Plan of action to apply for another Chase

[MazdaSpeed]

as most of you know becuase I have been posting a lot of here

I got my Freedom 11/12 with a 500 dollar limit

CSP 4/3 with a 5k limit and got a CLI of 500 on my Freedom

4/10 I got the United Explorer with a 2k CL and a 500 CLD on the Freedom (BCE was still reporting 7600 so Chase didnt want to give me more than my highest, like many people on this thread have said)

Fast Foward to 11/13 my CSP and united will be 7 months only, and my Freedom will be a year old and BCE with be reporting 14k I am going to try for the Hyatt Chase card

knowing that Chase has no problem switching around Credit between cards, should I first try to get a CLI on one of my current Chase cards so if I did need to recon they could take some credit away from a different card?

or becuase CLI are kind of hard to get from Chase, or so it seems. should I just hope for the best and just apply for the Hyatt? 

what are your thoughts?

I think the BCE being 14k is the only reason I am considering applying, I think showing them I have a limit that high is the only reason I have a chance of being approved (becuase the said when I was reconning my United the reason they had to take 500 from my Freedom was because they didnt want to give me more then my amex CL)

[Anonymous]

It does seem that Chase matches others, and rarely exceeds them. I think you'd be in good shape with your plan.

All that aside, you better be on msf!!

[bs6054]

Do you need the Hyatt card?  My concern is that if they want to take CL away from some other card (and they can't reduce the freedom) you end up with a set of cards with toy limits, which might or might not be ok.

I would try more on CLI on your Freedom and United first.   Or, if you don't really need the united, get that CL transferred to the Freedom.

[MazdaSpeed]

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@Anonymous wrote:

It does seem that Chase matches others, and rarely exceeds them. I think you'd be in good shape with your plan.

All that aside, you better be on msf!!

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sorry, I'm still kind of new on the forum, whats msf?

[MazdaSpeed]

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@bs6054 wrote:

Do you need the Hyatt card?  My concern is that if they want to take CL away from some other card (and they can't reduce the freedom) you end up with a set of cards with toy limits, which might or might not be ok.

I would try more on CLI on your Freedom and United first.   Or, if you don't really need the united, get that CL transferred to the Freedom.

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I'm honestly just got the United for the bonus, I do plan on closing it before the first AF, so if they say they can close the United in favor of the Hyatt being approved I will definitly allow that, becuase I will already have the miles in my mileage plus account

and I know the three cards I have are rock bottom for what they are, and that is why I was thinking about possibly trying for a CLI before applying for the Hyatt do you think I should?

[Anonymous]

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@MazdaSpeed wrote:

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@Anonymous wrote:

It does seem that Chase matches others, and rarely exceeds them. I think you'd be in good shape with your plan.

All that aside, you better be on msf!!

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sorry, I'm still kind of new on the forum, whats msf?

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MazdaSpeedForum...

[MazdaSpeed]

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@Anonymous wrote:

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@MazdaSpeed wrote:

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@Anonymous wrote:

It does seem that Chase matches others, and rarely exceeds them. I think you'd be in good shape with your plan.

All that aside, you better be on msf!!

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sorry, I'm still kind of new on the forum, whats msf?

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MazdaSpeedForum...

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ohhh that makes sense now, haha, I have been mazda247 a few times,  I have a yellow mazdaspeed protege

[MazdaSpeed]

So what's your thoughts? Apply for a CLI than the Hyatt, or just for for the Hyatt?

[enharu]

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@MazdaSpeed wrote:
So what's your thoughts? Apply for a CLI than the Hyatt, or just for for the Hyatt?

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just apply for the hyatt first, then apply for CLI.

depending on your income chase might deny your app (worst case scenario) if they feel that you have maxed out on the CL they are willing to extend to you, so you might have to transfer CLs from your existing cards to the hyatt if you want to be approved. If you don't have problems with that, then you should still be safe, and can proceed with asking for a CLI.

Compared to a lot of lenders, Chase as a much lower glass ceiling, but that number changes depending on your income, time you have an account(s) with them, and overall credit report in general. Even if your income / score doesn't change, account age plays a big role in helping to raise the ceiling.

[MazdaSpeed]

Sounds like a plan, thanks enharu