- Gold Member
- Posts: 35
- Joined: Mon May 27, 2013 4:16 pm
- Location: Monterey, CA
That's why you're my hero.
Over on the FICO forums, everybody advocates approaching creditors with hat in hand like some sort of pauper begging for their spare change. Your attitude is that you're the customer, and if you're not treated well, you'll take your custom elsewhere. Adopting that attitude for myself has worked wonders for me (except apparently with Chase).
Discover has treated me really well so far. Initially I had a $1500 limit, but a few weeks ago I called in and asked for a CLI to $5000. A few pretty reasonable questions later I had my CLI.
Amex declined me for a CLI at the same time, but it looks like they used an older soft pull from the single worst week my credit report has ever had. That is, a baby arrived earlier than expected, and utilization temporarily skyrocketed, it's since come down to 30%. I'll not hold it against them unless I get declined next time.
As for Chase, yeah I'll try to find the EO contact info and hit them up. If not, I'll give Chase 6 mos to get me to 5k before I pull the plug and take my business elsewhere. It's a shame, because I would be in the market for a balance transfer card sooner or later, but I can't take a chance apping for Slate when their limits are so laughable.
Let me know how you like that Citi Dividend. It seems like it might make for a decent replacement for my Freedom card.
Ex- 705 AMEX pull (5/13), Tu: 753, Eq:685
First Premier Pimpcard 0.7k (01/10), Capital Bank (secured) 1.0k (02/11), Amex Delta 2.0k (5/13), Chase Freedom 1.5k (5/13), Discover It 5.0k (5/13), Capital One Cash Rewards 2.5k (5/13), DCU Platinum Visa 7k (12/13), Barclaycard Arrival World Mastercard 5.0k (01/14)