Chase question

[fungoman]

Is there anyway to figure out what credit score chase uses with an auto approval? Also, is it going to be a hard pull to call in to request a higher intial CL? I am not happy with initial CL offered.

Everyone talks about expedited card receipt, so how can I go about that?

Thanks in advnace.

[red259]

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@fungoman wrote:

Is there anyway to figure out what credit score chase uses with an auto approval? Also, is it going to be a hard pull to call in to request a higher intial CL? I am not happy with initial CL offered.

Everyone talks about expedited card receipt, so how can I go about that?

Thanks in advnace.

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Requesting a CLI will be a HP with Chase. I don't think their auto cli is based on credit score per se. I think its much more account history, util, heavy use and PIF, so its more what they see internally then some fico score.

[fungoman]

Should clarify this is a newly approved account (today)

[red259]

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@fungoman wrote:

Should clarify this is a newly approved account (today)

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Never tried it, but I remember other people saying its still a HP on new approvals. Maybe they check other credit bureaus. 

[Involver]

Chase HP CLI request will generally be EX and TU.

[fungoman]

So they do a 2nd hard pull in the same day they already did one?

[09Lexie]

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@fungoman wrote:

So they do a 2nd hard pull in the same day they already did one?

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Yes.  You are reconning the CL, so they will pull another bureau. If you think your other bureau might render a better result, by all means call. 

[fungoman]

Well, EXP is what they pulled and it is 40 points higher than TU, so I doubt that will help. What number can I call to get card expedited?

[CreditScholar]

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@red259 wrote:

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@fungoman wrote:

Is there anyway to figure out what credit score chase uses with an auto approval? Also, is it going to be a hard pull to call in to request a higher intial CL? I am not happy with initial CL offered.

Everyone talks about expedited card receipt, so how can I go about that?

Thanks in advnace.

---

Requesting a CLI will be a HP with Chase. I don't think their auto cli is based on credit score per se. I think its much more account history, util, heavy use and PIF, so its more what they see internally then some fico score.

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+1. Also if nothing has changed in your CRs since you were approved, then they have very little reason to give you a better CL. You probably won't find much room on this.

Now if you just got a promotion this afternoon and your income has doubled, then that might be a different story.