I was approved for a Chase Freedom Saturday with an initial CL of $4500.
IS it wise to request a CLI now or on activation since it's still fresh?
Trying ot see if they woulc match my Discover's CL
@scientifics wrote:You could always ask if they can recon without another hard pull! If they need to do a hard, I wouldn't try.
Ok just tried and CSR said it would be another HP. I declined.
Does chase always do a HP for CLI?
@CS800 wrote:
@scientifics wrote:You could always ask if they can recon without another hard pull! If they need to do a hard, I wouldn't try.
Ok just tried and CSR said it would be another HP. I declined.
Does chase always do a HP for CLI?
From what I remember of them, that tends to be the rule. It was also what they said on the phone last time I asked details.
I don't recall seeing a "request CLI" button on their page either lately (though I never look for it and the page is a bit odd).
They used to do auto CLI's though a few years ago. I'm gonna guess that in 6 months they'll review and notice your DM 6500 (hehehe YEE HAA) and probably match it anyway (I'm gonna cross my fingers that my new NFCU does that).
In about 50 days, my BCE will be due for a CLI (I'm using the 61 day upon activation rule)
So we'll see in I get one; although I will request the 3X, hopfully they either give me the 3X or counter. I dont have any card with 5 digits CL.
@RockinRay wrote:You might be surprised on what Amex will do for you at 61 days. I did my request via the automated line, was told the max that could be approved this was way $25,000. I started with a $10k line, asked for the full $25k, and they countered back with $22,200. I accepted that.
Now, I do have my cards back-dated to 1979 and I am not sure if that makes a difference or not, it might.
I think long enough now that I can try again and ask for $25k so I will do that soon.
Ray
You did the 61 day CLI request also?
That's stange that they didnt give you the full 25K, what's $3k more in the scheme of things?
But the 1979 is helping you a lot. Mine only backdates to 2001.
@RockinRay wrote:Yep - 61 days...
I also thought a bit strange on the counter but just accepted it. I will try again to get it to $25k. I feel good that will be no problem.
If we decide to renew the Costco Membership, I will get one of those cards again too. That card is cool looking. I do not need it though and may hold off. I have told myself that I will not app in 2012 - except for a car. I have more that I can manage right now!
I also think the Zync will go away when it is time for renew. I have my daughter (in college) as an AU on that card in order to help her build with Amex. After she has had it for 6 months, we will try and get her own card with them for her.
It's funny. I really like that Zync card! Not sure why, but I do. I have put quite a bit of money through it and I do use the points for everyday purchases. I got a Gold card late last summer and closed it as I just could not justify two charge cards. I never have any problems with the Zync, it has never been declined. And, if I "Check my Spend Ability" on the Amex website, it will approve me for $25k now. So why would I need more???
Ray
I'm counting on the 61 day CLI.
That's one card I would have liked but the closest Costco is about 1 hour from me so I shop at BJ's more.
I have the Platinum also and use it for work travels;you cant beat the conceirge and the VIP lounges, they come in very handy. Even if I get a CLI to $8k on the BCE, I think I will still keep the Platinum for the travel benefits. I just recently had a long trip and stopped at 3 airports. Used the VIP lounges to relax while waiting fo the next flight. I was wondering how I could have lived without this card lol
Like you said, the Zync is a handsome card. I have had people ask me what type of AMEX it is.
When you call for CLI, see how much they can get you up to. Ask for $30k. But i fear this might trigger an FR?
I will just use the automated system... Honestly, I do not even need the CLI, but $25k is a nice, easy number! 
As for a FR, I am not worried about this. If I were to ever be subject to a FR, I'd send them what they wanted. Contrary to what some good people here say, I really do not care. When I applied and was accepted with PenFed and PSECU, I sent them copies of 2010 tax returns as well as two paystubs for both my Wife and myself. Why not hammer them with information up front? In both cases, $20k approved with each of them. PenFed Visa and PSECU Visa / Signature line.
Since we do not travel much, I can't justify a Plat card with them, but since you do, I think your taking advantage of those perks is for sure the way to go!
Ray