Chase being somewhat mysterious in its ways is why I posted the datapoint on my 2nd auto cli in another post. Currently Chase is #3 in my lineup at $17K between CSP and Freedom Unlimited. They're just behind Discover at $19.7K and a ways behind BoA at $40K. My #4 card is from Elan (Florida Community Bank) at $7500 (Which also just auto increased from $5K, and I barely used that card.)
It's crazy how every financial institution out there varies so much in what they like to see in our behavior. Aside from making payments on time and not gaming the SUB's, it's all over the map.
@iced wrote:
@Anonymous wrote:There is discusson that Chase will only give limits that are 50 to 60% of your income, so if you income is significantly high, it would make sense for that to occur. However, since I am still a student, my highest aggregate is AMEX, they even gave me a $25k limit on my SPG biz upon approval which i quickly reduced to $10k to avoid FA.
so with that, it's YMMV
There are also cases where Chase gives much more than 50-60% of reported income as well. I'm such a case: I'm already over that mark and I am confident that if I applied for another card from them today they'd throw another $20,000-$30,000 my way in a heartbeat.
I'll also emphasize reported because I intentionally underreport my income to banks, including Chase. What I don't know is if their system is able to figure out I'm sandbagging them and adjust their metrics to be more in line with what they believe I actually make.
The common theme in all of these Chase threads is that people are trying to analyze them the same way they do American Express, Capital One, or Discover. They search for some repeatable (and exploitable) algorithm such as the 3x CLI from American Express that will allow them to min/max their Chase profile. The one constant to date is that such an algorithm does not exist with Chase. Aside from 5/24, there are no hard and fast rules - they won't touch some people while they'll be someone else's first card. They won't give so much as a $1,000 CL to one person while showering another person with a similar profile with tens or hundreds of thousands in CL. Some get auto-CLIs with heavy spend; others don't. Some get approved with a recent BK, others never get approved.
Someday someone might crack the secret sauce, though I expect that the day after that Chase will change things up to throw everyone off again.
Oh, this is so very true. Chase, who denied me a CLI on a Freedom card I'd had for a decade yet minutes later approved me for a $12k CSP. Chase, who never gives me auto-CLIs even when I throw heavier spend their way. Chase, whose credit analysts treat me like I'm in an FBI interrogation even though I have an extremely thick file with several decades of spotless payment history with every single lender and have never had so much as a late payment in my life.
Ignoring the AU cards, I'm at a grand total of $19k with my CSR and Freedom cards, which is like 8% of income. Just going by revolving cards that I am the primary on, Chase comes in at #7 behind BoA ($99.9k), Synchrony ($53k), Amex ($50.5k), PenFed ($49k), Navy ($35k), and my single Synchrony card ($26.8k). Even notoriously stingy Citi ($18.8k) will be passing them in about 6 weeks when I get my next SP CLI, and they'll fall to #8 (and #9 if I end up grabbing the US Bank Altitude Reserve in the spring).
@K-in-Boston wrote:
Chase, whose credit analysts treat me like I'm in an FBI interrogation
K - I can relate to this experience with them 
To answer the OP, No Chase has never been the highest for me. I can't say I've had any bad experinces with them, but they just haven't been close when it comes to this for my profile. I did at one time get a second card (Slate), but it was apparent with both, neither were going to grow, so I closed that one.
Thank you all for the responses!! It seems like the trend here is that Chase is unlikely to be the issuer that is most exposed, either because other issuers like Amex give large limits, or just because Chase is wary of all of us as customers 
At the same time there are a few people who have a lot of exposure with Chase but I'm not sure if it's too common.
I feel like another issue is that Chase's CL don't grow the same way other issuers do, so it makes it difficult for them to be the issuer consistently giving you the highest limit.
Currently my chase cards combined end up #3 out of my 4 issuers. Amex is first at 19K, followed by BoA 10K, Chase 6.5K, USB 2K.
After I apply for the CSP, if I'm approved (for a 5K minimum SL) Chase will jump to #2 on the list, but I doubt they will ever reach first in total limits.
@AverageJoesCredit wrote:
Whats an aggregate?
Aggregate means the sum of several seperate parts. If you have several Chase cards, the sum of their limits is the aggregate.
@Anonymous wrote:
@AverageJoesCredit wrote:
Whats an aggregate?Aggregate means the sum of several seperate parts. If you have several Chase cards, the sum of their limits is the aggregate.
AJC was just messing around, hence the wink. He knows very well what aggregate means
HAHA Whoops I took that too seriously!! 