No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Are you using your CF a "lot" like your wife?
@Anonymous wrote:
Just a bit of a rant here, so take it for what it is. But I just don’t get Chase. I have a Freedom card, my oldest credit card, that has had the same $3k SL it came with. Wife gets auto-CLI’s with hers a lot. I mean, A LOT. Anyway, I went for the CLI and was denied, 750-ish scores across all three. Too many inquiries (3 at the time within 12 months, zero within six). Anyway, I ended up getting a Freedom Unlimited (8.3k), Sapphire Reserve (23.6k) and Amazon Prime (8.3k) for a total credit line of $40,200, in addition to the $3k Freedom card. Does that make any sense? 😂 Things to ponder, I suppose.
Yeah. That doesn't make sense. You can ask to move some limits around. Seems odd that they would give you so much credit on other cards and keep your Freedom limit low. I don't know. Credit limit methodology seems to be all over the place with credit card companies. I remember getting the AMEX Magnet card with a SUB to spend $3000 in three months and they gave me a $2000 limit. At the time, I had 4 other cards with them with 0% utilization. I had to call them to ask them to move some limits around to get the limit up to $7500. Which was fine because I didn't use my Blue Cash Everyday card that much.
It doesn't make sense, but it makes sense for Chase. New Years Eve a few years ago, I called ask asked for a CLI on my Freedom card which was about a decade old with a low $4200 limit ($1200 moved to it from a closed Slate account) and had never seen a CLI. Denied. As soon as I hung up the phone, I "rage apped" for a Chase Sapphire Preferred (now CSR) and I was instantly approved for $12,000 with the lowest APR available, then apped for a new Slate card (now closed) a few months later and was also approved with the lowest APR available.
"Rage apped" needs to be added to the official credit game lexicon immediately. Some powerful person please make it so.
@Anonymous wrote:"Rage apped" needs to be added to the official credit game lexicon immediately. Some powerful person please make it so.
Nice. Totally agree since I have rage apped in the past too. Even did it on my last spree.
Sometimes Chase will bucket you into a limit for that specific card. My first Chase Freedom which I recently got had a whopper of a $19,200 credit line. The limit will not make sense and the only real way out is to either transfer credit around or to have a perfect report. If they cannot find a reason to deny then they have to approve right? Lastly as a $3,000 Freedom card it is probably a problem that any increase will send you past $5000 and into Signature territory. A Visa Signature card will at times have a minimum credit score before a bank will be comfortable issuing it or you might be stuck out of that level.