I think I hate Chase now - But I love chase Recon line and chase credit analyst line

[roshan]

hello Fico members

I am very pissed at Chase now Becuase

I have chase checking and saving account for 10 years 

I have 4 Chase Credit cards for 6 years

2 - Chase Freedom (one with $2000 credit and second with $1400) :   

1 - Chase Amazon card ( $6000) :    

1 - Chase Slate card  ($4000) :   

They never did CLI on any of my cards since 6 years So i called the Chase Exc. office number 888 622 7547 and asked them to do CLI on my cards. She said it will be one hard pull . i said Yes. She said i will cal you back in 25-48 hrs.

Today she called me and told me my CLI was Denied

Reason 1:  I have sufficient  credit limit with Chase.

Reason 2:  I have sufficient revolving account on my credit report. 

So they denied my CLI and put one Hard pull on my report.

i only have total of 7 credit card account on my report. 4 from chase, 1 amex, 1 discover and 1 macys.

i have score of 725+ with incoming of 85K. and after 10 years with chase this is what they give me.

 I was planning to apply for CSP but not sure now if i sould apply or not.

******

Update:

After reading you very inspiring post, I decided to call Chase again bec they denied my CLI and they did not reply my call for consolidate my credit card for 36 hrs.

So i just called them on "App Recon" 800 number from "Backdoor number" post from this forum.

I got one very nice lady on other hand. I asked her why my CLI was denied and if she can help me with it. She said let me take a look.  hold for 3 mins. and she said you have enough account with Chase so that is why it is denied. 

I said to her that i am chash customer for 10 yrs and never had one single late payment. and some other things.

She said Let me calucate some numbers and i will be back.

2 mins hold

she offer me $5K CLI from my current $2K.  I request her to match my new Amex CL which is not on CR yet. But i just got it as auto CLI from Amex. $12K.

She said she knows Amex give you 3X CLI after some months.

So she said let me calculate some more numbers.

2 mins hold.

And BOOM... She said she approved me for $12K for my freedom.

I Thanks her a lot and said she is my angle. She laughed and thanked me and i thanked her again.

And now i got 12K on my freedom from $2K.

It's still not done...

I called the credit analyst customer service line 800 from "Backdoor post"  and asked them to consolidate my all accounts in one freedom.

he said sure he can do that. But he can't transfer all CL from othe accounts to one. He needs to leave $500 on each card when he consolidate.

I said ok. He moved all my credit to my Freedom and i asked him to close my 2 accounts.

So now i have one freedom with $17K limit and one Amazon chase with $1K with chase.

everyone on this forum are really true.. You just need to find a right person to talk to and you get what you need.

Thank you very much to all Fico member. This forum is big help for all us.

[fittiger]

What's your other debt? Mortgage? Auto? Student? Etc...

Other CC limits?

[LS2982]

Sorry to hear

Might be time to move your money to a different bank.

[webhopper]

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@roshan wrote:

hello Fico members

I am very pissed at Chase now Becuase

I have chase checking and saving account for 10 years 

I have 4 Chase Credit cards for 6 years

2 - Chase Freedom (one with $2000 credit and second with $1400) :   

1 - Chase Amazon card ( $6000) :    

1 - Chase Slate card  ($4000) :   

They never did CLI on any of my cards since 6 years So i called the Chase Exc. office number 888 622 7547 and asked them to do CLI on my cards. She said it will be one hard pull . i said Yes. She said i will cal you back in 25-48 hrs.

Today she called me and told me my CLI was Denied

Reason 1:  I have sufficient  credit limit with Chase.

Reason 2:  I have sufficient revolving account on my credit report. 

So they denied my CLI and put one Hard pull on my report.

i only have total of 7 credit card account on my report. 4 from chase, 1 amex, 1 discover and 1 macys.

i have score of 725+ with incoming of 85K. and after 10 years with chase this is what they give me.

 I was planning to apply for CSP but not sure now if i sould apply or not.

---

In your situation, I would move the limit from Slate over to Chase Freedom #1.  Move the Limit from Chase Freedom #2 over to Freedom #1.  Close Chase Slate and Chase Freedom #2.  Then,  Apply for new Chase card,  CSP or SW Visa comes to mind.

[09Lexie]

I agree with Webhopper. Did they offer moving your limits?

[HiLine]

Having 4 credit cards with 13.4k total credit limit represents quite a sizeable exposure for Chase. Do you have assets in your checking and savings accounts to back up a higher credit limit? Unless you updated Chase with your current income, they may be using an outdated annual income which may be significantly less than your current total credit limit...

[LS2982]

Those are some good points I forgot about being able to move lines.

I agree with webhopper's plan on how to move them.

[roshan]

I ask them to do that. I asked her to merge slate and freedom 2 into freedom 1.
She said she is not sure if it will be approved but she will call me again in 24-48 hrs to let me know if it is possible or not.

[bluedog1]

In my experience they will reallocate limits but keep $500 on the old card.

[roshan]

I have one mortgage and one auto loan in good standing. No late payments at all.

I have Amex with 12k, discover with 5k and Macy's with 1K.

There is no other debt on any credit card. All paid in full each month.