Chase CSP CLI offer

[Mailak]

Hi, guys,

I got this CSP targetted offer for a CLI supposedly without a credit check. I can see people have gotten it over the last couple of months with Freedom. I have always been a little wary of having too much credit in case someone down the road declines me. I was thinking of perhaps getting Freedom at some point as well - would a CLI here fit with that goal?

I, of course, don't need a CLI. It could manage utilization but even that is not neccessary as such. I have let up to 3300 report without thinking much (and that added to a high of some 5500 out of 12500 - balance + new spending). I always PIF anyway. Of course, if I am spending that much, it wouldn't hurt to have the CL be around 15k or 16k - approaching my BCP CL. Any idea how many % increase would go on to still be a SP?

Also, why don't they just do auto CLIs if they really want to give these out as targetted offers?

[youngandcreditwrthy]

Are they not suggesting a specific cli for you?

Seems like on some of the other offers they suggest a cli to request for a specific customer...

I'd ask for $25k. They will prob counter. If you want the Freedom soon, be sure to app for Freedom after you get the cli on CSP.

I had Freedom a year and a half at $5k, got CSP for $6k  in Oct, then got Marriott PR for $25k in Jan. Chase doesn't mind multiple accounts. :-) With that cl on CSP, I'd bet you get a hefty approval on a co-branded card. Chase seems to be more generous with the co-branded cards.

Good luck!

[Mailak]

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@youngandcreditwrthy wrote:

Are they not suggesting a specific cli for you?

Seems like on some of the other offers they suggest a cli to request for a specific customer...

I'd ask for $25k. They will prob counter. If you want the Freedom soon, be sure to app for Freedom after you get the cli on CSP.

I had Freedom a year and a half at $5k, got CSP for $6k  in Oct, then got Marriott PR for $25k in Jan. Chase doesn't mind multiple accounts. :-) With that cl on CSP, I'd bet you get a hefty approval on a co-branded card. Chase seems to be more generous with the co-branded cards.

Good luck!

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Nope, that's the entirety of the e-mail I got last night: "Come request a CLI". And I"m all "How much do you want me to request?" hehe.

[yudeology101]

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@youngandcreditwrthy wrote:

Are they not suggesting a specific cli for you?

Seems like on some of the other offers they suggest a cli to request for a specific customer...

I'd ask for $25k. They will prob counter. If you want the Freedom soon, be sure to app for Freedom after you get the cli on CSP.

I had Freedom a year and a half at $5k, got CSP for $6k  in Oct, then got Marriott PR for $25k in Jan. Chase doesn't mind multiple accounts. :-) With that cl on CSP, I'd bet you get a hefty approval on a co-branded card. Chase seems to be more generous with the co-branded cards.

Good luck!

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+1.  I would def. ask for more and if anything, they'll counter and meet you somewhere in the middle.  I would hate for you to regret if you received the $16k although you acutally could've gotten the full $25k instead.  Chase offered more money, why not take the advantage? 

Best of luck and congrats on the offer!  BTW, how long have you had the card?

[Mailak]

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@yudeology101 wrote:

+1.  I would def. ask for more and if anything, they'll counter and meet you somewhere in the middle.  I would hate for you to regret if you received the $16k although you acutally could've gotten the full $25k instead.  Chase offered more money, why not take the advantage? 

Best of luck and congrats on the offer!  BTW, how long have you had the card?

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I have had the CSP for 10 months now. I got it in April of last year.

These high CLs approaching $20k scare me for some reason. I don't even like having my $18k BCP and think I went overboard there.

[takeshi74]

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@Mailak wrote:

I was thinking of perhaps getting Freedom at some point as well - would a CLI here fit with that goal?

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It's really not an issue with Chase.  If you hit your internal limit you can reallocate to open a Freedom (I did).  I suggest taking the CLI.

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@Mailak wrote:

Also, why don't they just do auto CLIs if they really want to give these out as targetted offers?

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Not sure why you're assuming that they're mutually exclusive.  They may not be common but my wife, for example, has received auto CLI's from Chase.  She has also received offers like this.

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@Mailak wrote:

These high CLs approaching $20k scare me for some reason.

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What reason?  You should be enjoying the high CL's that you've earned.

[Anonymous]

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@Mailak wrote:

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@yudeology101 wrote:

+1.  I would def. ask for more and if anything, they'll counter and meet you somewhere in the middle.  I would hate for you to regret if you received the $16k although you acutally could've gotten the full $25k instead.  Chase offered more money, why not take the advantage? 

Best of luck and congrats on the offer!  BTW, how long have you had the card?

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I have had the CSP for 10 months now. I got it in April of last year.

These high CLs approaching $20k scare me for some reason. I don't even like having my $18k BCP and think I went overboard there.

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It is good to be conservative and resposible. I don't think having a higher credit limit would increase your chances of being declined except in rare cases where a company might feel that they've given you their internal limit of exposure.

If anything, I feel that this increase will help you with your chances of getting the freedom. Also, if they for some reason gave you a limit on it of 4k and you wanted 10k, you can then just call them up and ask them to move 6k from this account to the Freedom, and they'll be happy to do so.

Also, say they increase this account to 22k which makes you uncomfortable, and your Freedom comes with a CL of 15k, again, you can call them and ask them to move some of the limit to Freedom from this account making both accounts 18.5 if you want to.

[clocktick]

So are you going for it OP?

So what do you guys think, because it was an e-mail offer do you think it'll be a SP?

[Mailak]

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@takeshi74 wrote:

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What reason?  You should be enjoying the high CL's that you've earned.

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Hehe, I don't know. Just not comfortable seeing those high numbers, ha. Wouldn't ever use it anyway. So long as I have 10k, I'm typically happy and content (and believe I have a nice, comfy, credit limit, which could accomodate any purchase I might ever have to make).

Two years ago, my high CL was  $300 (out of lack of knowlege really, rather than bad credit) ;-)

[Mailak]

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@clocktick wrote:

So are you going for it OP?

So what do you guys think, because it was an e-mail offer do you think it'll be a SP?

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Thinking about it...

Others have gotten e-mail offers and it has resulted in no HP... so it seems that they mean what they say.