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ive heard great things about having the freedom and chase sapphire preffered combo
so maybe its time to app again?
income is 63,000
score 700
aaoa 2.5 yrs
no collections
car loan 02/2013 for 30,000 down to 25,000
student loans in defferment
app free for 6 months! 6 or 7 inquiries in last year (car shopping)
credit cards:
1. discover over 5 yrs old 0/1000
2. citi opened 12/2012 550/1000
3. csp opened 04/2013 500/5000
4. jared 2 yrs old 900/1400
my first cc ever was a bank of america american express which i maxed out and i closed for financial hardship
so never went to collection but currently still paying off, remaining balance is 500
do you guys think i cant get the amex blue or cash card? or the chase freedom?
well, why haven't you been getting CLI's on the discover if its 5 years old its time to call and say hey am i prequalified for a 10k limit? and think too your citi is at 55% uti
ive literally tried to get a cli every year and they keep giving me bs answers why not to.
thats why i refuse to use it but i cant close it since its on my oldest
@jaraico wrote:ive literally tried to get a cli every year and they keep giving me bs answers why not to.
thats why i refuse to use it but i cant close it since its on my oldest
If it helps any, I had my Discover card since 2009, rarely used it. Started out with a $500 limit. I've tried in the past to get a CLI but was denied. I tried the other day and punched in $4500, so that it would bring me to 5,000 and I was approved. Have you tried CLI through your account on the site rather than calling?
good idea!
For American Express I would be worried about there "internal algorithmic" you said you opened a BoA/Amex card maxed it, than closed, and are slowly paying it off. I would wonder how their super secret system views that.