Chase Credit Reallocation

[Anonymous]

I got two chase cards that both offered me 25K credit (CSR and CF). I'm not going to be using the CF beyond the 1500 5% limit per quarter. That being said, I think it makes sense to reallocate the credit, seeing as I'll be putting a lot more on the CSR (correct me if I'm wrong).

I was thinking of moving 15K over to the CSR; however I read that there's a hard pull if a card goes over 35K. Can someone confirm whether this is true / how strict the 35K number is? If I put 35,000 will there be a hard pull? If I do 34,999?

Thanks for any guidance

[Priory_Man]

I think your best bet would be to just call the number on the back of your CSR card and ask the rep, they should know for sure.

[Peteyglad]

I had no hard pull when combining to get my current 67k limit, but that was a couple years ago.

[UpperNwGuy]

I would leave the two cards at their current limits.  They are both more than adequate.

[HeavenOhio]

---

@UpperNwGuy wrote:

I would leave the two cards at their current limits.  They are both more than adequate.

---

The OP didn't mention spending on the CSR. There's no way for us to determine whether 25k is adequate or not.

That said, we do know that there's only a finite amount that can be spent on a Freedom card while still making the most of the rewards. Given what we know, I think 40k/10k is a good split.

[iheartwings]

I have done the Chase credit line shuffle on more than one occasion.

The last time I did it - I reallocated $$$ to my CSR to $40k without an issue (November 2018).

Hope that helps. 

[Anonymous]

Perfect! Did you secure message or call? Is there an issue for requesting this the same month in approved for the freedom? Also does allocation affect future apps at all like CFU or only total credit line?

Thanks!

[Anonymous]

Exactly this is what I wanted to do @heavenohio

[wasCB14]

---

@HeavenOhio wrote:

---

@UpperNwGuy wrote:

I would leave the two cards at their current limits.  They are both more than adequate.

---

The OP didn't mention spending on the CSR. There's no way for us to determine whether 25k is adequate or not.

That said, we do know that there's only a finite amount that can be spent on a Freedom card while still making the most of the rewards. Given what we know, I think 40k/10k is a good split.

---

If enough spend goes through Chase, maybe 20k/5k...with the other 25k on a new CFU.

[Anonymous]

---

@wasCB14 wrote:

---

@HeavenOhio wrote:

---

@UpperNwGuy wrote:

I would leave the two cards at their current limits.  They are both more than adequate.

---

The OP didn't mention spending on the CSR. There's no way for us to determine whether 25k is adequate or not.

That said, we do know that there's only a finite amount that can be spent on a Freedom card while still making the most of the rewards. Given what we know, I think 40k/10k is a good split.

---

If enough spend goes through Chase, maybe 20k/5k...with the other 25k on a new CFU.

---

I do all my spend through Chase. Spend about 1200-2000/mo on it, sometimes more (like 4-5k in certain months, cause I don't have a business card) depending on time of year; I wanna maintain about 5% util, so was thinking 40k on the CSR / 10K on the CF (since I'll only ever use $1500 per quarter max). As I recently got the CF, I don't imagine I'll be able to get the CFU anytime soon. So thinking about how I should allocate now and whether it'll result in a hard pull. All the posts about the 35K hard pull are from 1-2 years ago, no recent anecdotes.. so was looking to hear if anyone experienced it recently.

Thanks!

Edit: Income is in the 120-150K bracket, so I don't think this is 50% of my income; only worry is I intend to apply for CFU in the next 3-4 months (rather than 6-12 months as I've been advised), so worrying if they don't want to extend me too much credit and I'd have to reallocate/lower CL first then.