Hi guys,
What a fanstatic forum. This has helped tremendously. Not just for the "sport" of managing my credit but for such positive outcomes of going for the scroe growth and benfit rewards. Thank you to all who manage to chime in.
Anyway, Just got my first Chase card (first app to chase) - CSP $5k limit. I didn't need to recon but when applied online i was told to call during business hours. As soon as the credit rep answered and pulled up my file i was told i was approved.
I would appreciate some feedback on:
1) I would like to ask for CLI when i call in and activate the card. ideally i would like While I appreciate the CSP I like to put at least $2k on a card per month (3-5k per month in spend) and don;t want to worry about utilization anymore like i did when i had the $500 limit cards. When i call in i will make sure to tell them i don't want a HP
2) is Chase generous with CLIs at 6m or are all CLs a HP? if that is the case i will not bother. have 7 HPs on EX now and 5 on TU so reserving HPs for bonus signups down the road.
3) does chase care if you make a large number of payments on the card during the billign cycle? if they dont budge on 5k limit i will look to paying my card weekly (say $300-$500 payments). my understanding is that only amex cares that you make one large payment vs many small ones. wonder if it's the same with Chase?
4) Finally, does Chase give you instant credit when you make a payment from a Chase checking account? i LOVE how Amex gives you credit even before your ACH payment clears. BofA sucks in that regard.... i don't get credit until the next day even if i pay from a BofA account.
EX FAKO: 720, 7 HPs
TU FAKO: 699
Amex PRG, Delta Gold 6k, Cap One 500, BofA 500
Approved today: Amex SPG 5k, CSP 5k.
Pending EO recon: Citi Executive AAdvantage World Card (100k bonus offer)
@PointLager wrote:Hi guys,
What a fanstatic forum. This has helped tremendously. Not just for the "sport" of managing my credit but for such positive outcomes of going for the scroe growth and benfit rewards. Thank you to all who manage to chime in.
Anyway, Just got my first Chase card (first app to chase) - CSP $5k limit. I didn't need to recon but when applied online i was told to call during business hours. As soon as the credit rep answered and pulled up my file i was told i was approved.
I would appreciate some feedback on:
1) I would like to ask for CLI when i call in and activate the card. ideally i would like While I appreciate the CSP I like to put at least $2k on a card per month (3-5k per month in spend) and don;t want to worry about utilization anymore like i did when i had the $500 limit cards. When i call in i will make sure to tell them i don't want a HP
It will be a hp and no guarantee of an increase.
2) is Chase generous with CLIs at 6m or are all CLs a HP? if that is the case i will not bother. have 7 HPs on EX now and 5 on TU so reserving HPs for bonus signups down the road.
Lately, there have been reports of auto CLI's but they are rare. Chase HPs for customer initiated CLI's.
3) does chase care if you make a large number of payments on the card during the billign cycle? if they dont budge on 5k limit i will look to paying my card weekly (say $300-$500 payments). my understanding is that only amex cares that you make one large payment vs many small ones. wonder if it's the same with Chase?
Never had a problem with large pyts (Amex either)
4) Finally, does Chase give you instant credit when you make a payment from a Chase checking account? i LOVE how Amex gives you credit even before your ACH payment clears. BofA sucks in that regard.... i don't get credit until the next day even if i pay from a BofA account.
Are you referring to online pyts or pyts made inside the branch?
EX FAKO: 720, 7 HPs
TU FAKO: 699
Amex PRG, Delta Gold 6k, Cap One 500, BofA 500
Approved today: Amex SPG 5k, CSP 5k.
Pending EO recon: Citi Executive AAdvantage World Card (100k bonus offer)
Congrats on your CSP approval 
Congrats! Glad it came thru for you
Thanks @09Lexie
I will keep away from requesting CLIs. Not worth the risk.
Re payments I was actually looking at making multiple payments. Generally at a minimum semi monthly to coincide w paychecks but preferably weekly.
@whitesol. Would chase give me a Freedom without another HP? I doubt it. I don't really need more UR cards at this point. I'm at 7 HPs, 7 credit accounts and under a year of credit history.
I
I will keep away from requesting CLIs. Not worth the risk.
Re payments I was actually looking at making multiple payments. Generally at a minimum semi monthly to coincide w paychecks but preferably weekly.
@whitesol. Would chase give me a Freedom without another HP? I doubt it. I don't really need more UR cards at this point. I'm at 7 HPs, 7 credit accounts and under a year of credit history.
I
The only add that I would like to have in my portfolio is a high end airline one. If citi aa doesn't recon me I will likely go for benz Amex plat in the fall
Oh and @09Lexie, I was referring to online payments. In a pinch I would make one at a branch but would be great if they give instant credit/boost to available balance after online card payments