No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
wrote:
Today, I logged into my bank account online and noticed a green check mark with pre-approved offer for the FU, so I entered my income and hit submit. It was an instant approval, but for $500 limit. Bonus was for $300 credit if spend $500 within 3 months. My TU is 683 and EQ is 643. I did burn them 20 years ago when it was wamu. What are the chances of asking for increase on my starting limit without another pull? Is there a phone line for that type of request?
The chances are ZERO of getting a CLI without a HP.
Be grateful they gave you what they did. Are those credit karma scores?
What is your Experian FICO score?
Yes that would be a very good idea. Additionally, I've read that paying the card to 0 several times a month helps improve their internal score, so you may consider doing that as well if you have the means and patience.
wrote:
If Chase only gave you $500 they probably have their reasons. Just wait til your report improves build that history and then go for it in my ho. Amazing bonus offer
dat autocorrect 😂😂😂
wrote:Yes that would be a very good idea. Additionally, I've read that paying the card to 0 several times a month helps improve their internal score, so you may consider doing that as well if you have the means and patience.
That's what I have been doing. My first statement hasn't cut yet, but I'm hoping that increases my chances for a CLI.
Be patient. Use your $500 limit in a responsible manner and see what Chase does for you. Don't ask them for a CLI for at least six months, maybe a year. Meanwhile, get those scores up!
wrote:
Today, I logged into my bank account online and noticed a green check mark with pre-approved offer for the FU, so I entered my income and hit submit. It was an instant approval, but for $500 limit. Bonus was for $300 credit if spend $500 within 3 months. My TU is 683 and EQ is 643. I did burn them 20 years ago when it was wamu. What are the chances of asking for increase on my starting limit without another pull? Is there a phone line for that type of request?
Yeah, it would be helpful to provide your EX score too.
I burned WAMU too in the past and trust me they have that notes internally. Despite with a low SL, considered yourself lucky to even get prequalified for a Chase card.
I've never received any prequal from Chase ever. All my apps were cold apps and last time I requested a CLI I was asked about the WAMU account.
My Chase FU is a yr old now and recently converted to the regular Freedon and I can say it has grown to $3500 with 2 CLI request.