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Need advice for chase credit limit increase.

TOTORO88
Regular Contributor

Need advice for chase credit limit increase.

So I have a chase sapphire preferred. It has been my main card for a while. 

Should I

1) ask chase to increase CL to a high number, like $30k and see what's the max they'll give me?

2) or should I say a low number like $21k? And have a high chance of approval?

 

what is the suggested method?

 

Message 1 of 22
21 REPLIES 21
KoF88
Frequent Contributor

Re: Need advice for chase credit limit increase.

I banked with Chase and have had their cards for a while. Chase is not generous with CLI as they are with initial CL (though it's not like they're generous with initial CL in anyways) but if your profile warrant it they will grant it. Yes, they will counter, from my experience.
Message 2 of 22
myjourney
Super Contributor

Re: Need advice for chase credit limit increase.

Yes reach for the stars and hope for the moon 

Also to note a request by you will result in a HP

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 3 of 22
TOTORO88
Regular Contributor

Re: Need advice for chase credit limit increase.

So you are saying I should ask for $30k and they will counter with their max? Hopefully they don't hang up. 

Message 4 of 22
TOTORO88
Regular Contributor

Re: Need advice for chase credit limit increase.

Nah. My credit score can take several hard pulls. Smiley Wink

Message 5 of 22
myjourney
Super Contributor

Re: Need advice for chase credit limit increase.


TOTORO88 wrote: 

So you are saying I should ask for $30k and they will counter with their max? Hopefully they don't hang up. 

I hope not but if so call again Smiley Very Happy


Yes ask for what you want and let them say what's available 

Since you'll be offering the CLI Gods a HP anyway

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 22
TOTORO88
Regular Contributor

Re: Need advice for chase credit limit increase.

I just asked for a CLI on my citi double cash card recently. 

is it alright if I call chase and ask for a CLI on the chase card?

 

too soon?

Message 7 of 22
myjourney
Super Contributor

Re: Need advice for chase credit limit increase.


@TOTORO88 wrote:

I just asked for a CLI on my citi double cash card recently. 

is it alright if I call chase and ask for a CLI on the chase card?

 

too soon?


Ask for all your Chase cards if you like CSP, Freedom and Amazon 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 22
NRB525
Super Contributor

Re: Need advice for chase credit limit increase.


@TOTORO88 wrote:

I just asked for a CLI on my citi double cash card recently. 

is it alright if I call chase and ask for a CLI on the chase card?

 

too soon?


You are only asking for $30k and the CSP is already at $18k? Why not a $40k ask?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 9 of 22
elim
Senior Contributor

Re: Need advice for chase credit limit increase.

your exposure with chase is 41k now.   total exposure is a factor but we have no idea what your max exposure with chase actually is.    good luck    :]   keep us posted.

Message 10 of 22
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