Recently I was trying for an increase on the Chase Freedom Flex card but was denied twice. Mainly, I wanted the increase earlier than 6 months as I am interested in the On Path Federal Credit Union Cash Back Checking account where you can fund with a CC up to $1k. This would help with earning cashback rewards (5% up to $200 spend earning $10 each month) to pay down that old US Bank chargeoff being handled by Radius Global Solutions as I wouldn't have to use one account so much. But I think I should wait a few more months for my scores toi improve into the 800s and instead of depending on the Chase card for a CLI, to try for the PayPal Cashback Mastercard again which had been closed in March of last year for 2 returned payments. I say 800s because then I could potentially obtain the lowest interest rate for that card and have a SL of at least $1k.
It also is a few days past the 6 month CLI mark of 6 months for the Amazon Prime Store Card which sits at $5k. Does waiting longer than 6 months improve the chances of a bigger CLI - say 7 or 8 months as long as there is positive credit activity? Thinking of asking for $10k. If it's approved now though, it could improve the score more as it would increase the util. ratio. The other cards I'd like to get this year when my score improves, is the AMEX Blue Cash Everyday and my own account of the Discover It Cashback instead of being an AU. I also read earlier that Chase could be sensitive to lots of new accounts being opened as it does a SP every month automatically. Would spacing one of these 3 cards every 2-3 months be the best way to go about it or is Chase ok with 2-3 accounts being applied to in one day?
As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.
Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500
- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.
