Chase credit line decrease request

[dahx]

 I am currently at 40% credit line:income exposure with Chase.

I may want to go for a business card from them within the next few months.

Should I request a CLD of roughly $1.5k to make room for a new card? I won't need a high limit, but I need enough to be approved and actually use it.

My only two cards with Chase are:

CSP: 9.2k

Amazon Prime: 7.2k 

[coldfusion]

The traditional recommendation before Chase adopted policies specifically intended to make it difficult to churn their cards was to make sure that their exposure was no more than [(50% of your yearly gross income) - $10K] before applying for an additional card, but that assumed that the applicant's yearly gross income was more in at least the $80-120K range.   I've heard of cardholders whose yearly gross was close to yours ultimately getting a TCL across all their Chase cards of closer to 60% of yearly gross income.

If you're denied you can always recon and as a last resort offer to have some CL reallocated from one of your current cards in order to support an approval of your additional card,  which is something they sometimes will do when the donor card is a personal card.  If it were me I wouldn't bother with a $1.5K CLD request.

[Kforce]

Agree with @coldfusion.

[Varsity_Lu]

Recon and reallocation seems like a good plan to me. (Says the guy who got denied a Chase Amazon card with a failed recon even after he was pre-approved. 🤷🏼)