DO NOT apply for Anything with CHASE

[lg8302ch]

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@Anonymous wrote:

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@lg8302ch wrote:

OP...so you are not going to call and find out what triggered this ?  What I find strange looking at your card limits that hardly any card is over 5K with the figures you mentioned...(except NFCU which is famous for high limits) ... this leaves me a bit puzzled and I would love to learn what triggered the account closure.  Hope you will call and give us an update. Thks.

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You must have missed some of the posts from yesterday.... I went to a branch and sat for 2 hours. Was told I have too much available credit. Even business banker was in disbelief and called back in to no avail.

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Indeed I missed that part. I must have skiped a page when "back reading" Sorry.  Looks like Chase really is not interested in your business as with your income and your limits this explanation simply does not make any sense.  I have a fraction of your income and my total CLs are a multiple of my income and Chase alone is over 50%. . Like this I would have to say this explanation is valid but in your case

[Anonymous]

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Certainly with lenders like Chase, where you can combine CLs,, you can get high CLs on a single card.   But that might not make sense, depending on your goals.   If the several cards have rewards that you can actually use, having more cards with lower CLs might be better.   And if many of the cards that are good for you come from one lender, certainly diversity in getting say two cards from two other issuers, but no need to restrict # of cards if you don't need to.

High CLs, in themselves, aren't worth all that much.

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It does to me whe I buy something close to 10k over 10k
I bought Round Trip plane tickets for my family that was more tha 10k
you don't have to worry about split scharging it with few diffent cards
all I am saying is that if you can find similar rewards with other banks then diversify

[Anonymous]

What's wrong with split charging?

[Anonymous]

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@Anonymous wrote:

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Certainly with lenders like Chase, where you can combine CLs,, you can get high CLs on a single card.   But that might not make sense, depending on your goals.   If the several cards have rewards that you can actually use, having more cards with lower CLs might be better.   And if many of the cards that are good for you come from one lender, certainly diversity in getting say two cards from two other issuers, but no need to restrict # of cards if you don't need to.

High CLs, in themselves, aren't worth all that much.

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Agree 100%. Especially with Chase I'm not interested in combining all cards into one high CL because I got these cards for their different rewards programs.  Down the road I want the Marriott and Mileage Explorer cards and if they only give me $5K limits so be it.  That will still allow me to use them for their purpose=earning rewards

[Anonymous]

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@Anonymous wrote:
What's wrong with split charging?

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Nothing wrong with it
Airlines I've used don't let you do it on their website

[jamesdwi]

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@Anonymous wrote:
What's wrong with split charging?

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having to enter two credit card numbers at the least? Potentially having to place two orders and then having to deal with more paper work and emails to track it all. Credit cards should make my life easier, why should I have to worry about which card to use because of low credit limits. This is why my Cap1QS with a 750 CL gets almost no usage. If getting gas, and dinner and going to cirque du soleil puts me at 50% on a card its not going to get much use. 

[Anonymous]

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@jamesdwi wrote:

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@Anonymous wrote:
What's wrong with split charging?

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having to enter two credit card numbers at the least? Potentially having to place two orders and then having to deal with more paper work and emails to track it all. Credit cards should make my life easier, why should I have to worry about which card to use because of low credit limits. This is why my Cap1QS with a 750 CL gets almost no usage. If getting gas, and dinner and going to cirque du soleil puts me at 50% on a card its not going to get much use. 

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I agree, too low limits are useless.  I was more arguing about making BIG limits.    So I have ~ 57K over three Chase cards, I could put most of that on one card, but I don't see the need (Actually, I hardly use any of them so not a good example for me, but let's pretend).    Many cards max out rewards at low levels, which is why I'm OK with my amazing $5k limit on Sallie Mae.   I do move CLs around when I need them (like with my ill-fated Amex BC).   So if you need to buy $10K in air-tickets, yes, you want a card with at least $15K and probably more.   But, if you have other cards, you really don't need that on your Discover, Freedom etc

[Anonymous]

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@Anonymous wrote:

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@jamesdwi wrote:

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@Anonymous wrote:
What's wrong with split charging?

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having to enter two credit card numbers at the least? Potentially having to place two orders and then having to deal with more paper work and emails to track it all. Credit cards should make my life easier, why should I have to worry about which card to use because of low credit limits. This is why my Cap1QS with a 750 CL gets almost no usage. If getting gas, and dinner and going to cirque du soleil puts me at 50% on a card its not going to get much use. 

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I agree, too low limits are useless.  I was more arguing about making BIG limits.    So I have ~ 57K over three Chase cards, I could put most of that on one card, but I don't see the need (Actually, I hardly use any of them so not a good example for me, but let's pretend).    Many cards max out rewards at low levels, which is why I'm OK with my amazing $5k limit on Sallie Mae.   I do move CLs around when I need them (like with my ill-fated Amex BC).   So if you need to buy $10K in air-tickets, yes, you want a card with at least $15K and probably more.   But, if you have other cards, you really don't need that on your Discover, Freedom etc

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I feel like the the Chance of AA goes up with a higher limit on any one card.

[lg8302ch]

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@Anonymous wrote:

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@Anonymous wrote:

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Certainly with lenders like Chase, where you can combine CLs,, you can get high CLs on a single card.   But that might not make sense, depending on your goals.   If the several cards have rewards that you can actually use, having more cards with lower CLs might be better.   And if many of the cards that are good for you come from one lender, certainly diversity in getting say two cards from two other issuers, but no need to restrict # of cards if you don't need to.

High CLs, in themselves, aren't worth all that much.

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Agree 100%. Especially with Chase I'm not interested in combining all cards into one high CL because I got these cards for their different rewards programs.  Down the road I want the Marriott and Mileage Explorer cards and if they only give me $5K limits so be it.  That will still allow me to use them for their purpose=earning rewards

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Agreed. I only keep my current Chase limits because I would love a few more of their cards for the rewards and hopefully can get approved by moving CL from existing cards. 5K on certain cards would be perfect for my needs. I  much rather have different rewards than a high CL and then miss out on rewards. But I guess this is a personal preference.

[takeshi74]

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@Anonymous wrote:
What's wrong with split charging?

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Nothing "wrong" with it.  I'd rather not deal with the hassle if not necessary.