Got approved for Freedom with $500 CL

For just about anything you want to get off your chest about credit cards.
9 posts
andy1088
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Location: New Jersey, United States

Got approved for Freedom with $500 CL

Postby andy1088 » Fri Mar 30, 2012 8:14 pm

Only $500 limit though. Does anyone know how long I should wait to ask for a CLI? Most of my cards are 1K+ limit
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500


irvine801
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Location: Salt lake city, UT

Postby irvine801 » Sat Mar 31, 2012 12:23 am

I weny from 1k to 2k In four months. I always pay in full though :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

andy1088
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Posts: 156
Joined: Wed Nov 30, 2011 8:23 pm
Location: New Jersey, United States

Postby andy1088 » Sat Mar 31, 2012 7:57 am

I usually pay in full or about 80%. Do you know if there is a 0% apr offer?
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

irvine801
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Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Mar 31, 2012 10:48 am

I was given 6 mo 0%.. I'd imagine you would have got the some thing.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

andy1088
Centurion Member
Centurion Member
 
Posts: 156
Joined: Wed Nov 30, 2011 8:23 pm
Location: New Jersey, United States

Postby andy1088 » Sat Mar 31, 2012 1:16 pm

I hope so. I have 18 months (Aug '13) 0% apr with Citi and 12 months (Nov '12) with Discover. If chase gives me 6 months I would gladly replace my Discover temporarily with it until October. My credit has improved immensely because in January I was denied. I guess having a Chase checking account with 5K in it may have swayed their decision. Not to mention a 744 Fico and around 700 Experian score.
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Mar 31, 2012 4:44 pm

Oh nice. Yeah I got an auto approval in a branch at a 651 experian. It's great card for rewards. It's almost the same as discover so seeing that you have both I just recommend taking advantage of the 5% promos. I love my Chase and discover card. But I've had discover for longer. It's my highest credit line and lowest Apr account I currently have. :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

bmw1990Z
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Posts: 341
Joined: Sun Mar 18, 2012 10:08 am
Location: USA

Postby bmw1990Z » Sat Mar 31, 2012 8:47 pm

If I asked for a credit line increase, should I do it by phone or through the citi website
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

andy1088
Centurion Member
Centurion Member
 
Posts: 156
Joined: Wed Nov 30, 2011 8:23 pm
Location: New Jersey, United States

Postby andy1088 » Sat Mar 31, 2012 9:46 pm

Citi website.
My cards
Chase-Sapphire-$5,000 Freedom-$3,000, Amazon rewards-$700, Slate-$600
Citi- Diamond Preferred-$4,000, Thank you-$2,500
Discover IT-$2,500
Bank of America cash rewards-$2,000
Capital one newcomer rewards-$500

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sat Mar 31, 2012 10:55 pm

I would do phone.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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