@newstart13 wrote:Thanks everyone. I guess I'll find out Monday and I'll post results. And yes the fraud migh be the problem.
Sorry to hear about the CLD. I've had many cards get CLD in years past, from higher limits.
One frustrating thing about your question, even though it is disappointing to hear about the CLD, you aren't outlining your credit profile for us to understand what might be going on. This board is anonymous, no one knows who you are, and we only need generic names of standard credit cards and credit line information to understand better.
Which specific cards do you have (and you don't have to list the card numbers) ? What are their credit lines? If you had a Chase card with $10,000 limit, and they cut it to $1,000, that's a different situation from having a Chase card with $1,900 and they cut it to $1,500.
You say you have a Barclays card, and that had fraud in the past? I'm not sure how that would affect Chase at all, not even sure they would know about it.
How extensive was the fraud? Just one card, which was replaced?
Good luck with the call. Did you call today to see if you can get answers?
In the interim, slow down, sit down, take some time to write out more than one sentence in a post here, and you'll get some good responses from people here after you give a more complete picture of your situation.
@Anonymous wrote:
@NRB525 wrote:In the interim, slow down, sit down, take some time to write out more than one sentence in a post here, and you'll get some good responses from people here after you give a more complete picture of your situation.
Well, that's the bit I sort of disagree with. Only Chase knows the reasons. Others MIGHT say "Oh, I had a similar experience with similar stats and I found...." but we have little idea of what really matters to Chase. I think giving lots of detail isn't worthwhile, but then I would have called Chase rather than post anyway!
As far as being able to say specifically what Chase saw in OP's situation that led to this change, yes, we cannot specifically know that.
Based on the general profile, and perhaps specific actions the OP has taken, it is possible to get closer to some sort of understanding that is a bit further along the spectrum past a shoulder shrug.
@NRB525 wrote:
@Anonymous wrote:
@NRB525 wrote:In the interim, slow down, sit down, take some time to write out more than one sentence in a post here, and you'll get some good responses from people here after you give a more complete picture of your situation.
Well, that's the bit I sort of disagree with. Only Chase knows the reasons. Others MIGHT say "Oh, I had a similar experience with similar stats and I found...." but we have little idea of what really matters to Chase. I think giving lots of detail isn't worthwhile, but then I would have called Chase rather than post anyway!
As far as being able to say specifically what Chase saw in OP's situation that led to this change, yes, we cannot specifically know that.
Based on the general profile, and perhaps specific actions the OP has taken, it is possible to get closer to some sort of understanding that is a bit further along the spectrum past a shoulder shrug.
It is a total waste of time to speculate at this point. OP will call Chase tomorrow and hopefully they will give a more detailed reason. It seems like with these types of threads we go off on tangents trying to figure things out and then the poster calls in and its something completely unrelated to what anyone thought and usually is the result of the poster leaving out a key piece of information that they did not realize was important when they originally posted. Hopefully the OP will remember to update the thread with the answer from Chase tomorrow and then we will get a better idea.
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