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- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
lobbythis wrote:They are completely assbackwards on the Freedom. I even pointed out how much I already spent on the CSP and Ritz (5 figures and all paid in full) and they still said, "No, f*ck you, $600 for you."
popamode72 wrote:They just tend to give a lot more on the AF cards, especially if they have the potential to be issued as Visa Signature cards.
The CB pulls database shows a lot of people getting approved for a Freedom with initial CLs of several thousand - up to even $30k. I started at $600, but the only thing in my file at the time was a year-old GECRB inquiry. Freedom doesn't normally have a toy limit unless someone is an early credit builder/rebuilder.
Chase usually likes to see high CLs with other issuers, which popamode72 certainly has (along with a year and a half of history). I agree that it may be easier to get an approval and a somewhat higher CL on a card with an annual fee, but $500 is lower than the lack of an AF can reasonably explain.
It could also possibly be an inquiry, new credit, and/or existing total CL vs. income concern. However, it is not something inherent to new Freedom cards. It's not like a Cap One Platinum where people with really great usually get a toy limit. It looks to me like an internal limit concern.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt, SPG
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech