CarefulBuilder14 wrote:It's pretty normal for topics to vary all over the place. I haven't requested a CLI on my CSP specifically (I was happy with the limit from my instant approval a few weeks ago), but I do have other experience with Chase.
Chase cares much more about the limits I have on other cards than how loyal I am to Chase. Putting a lot of spending through the card might not do much. I started with a $600 limit on Freedom, then with a HP I got it up to match the $2k on Discover about 8 months later. I had requested a new $3k limit and $2k was what I got. It didn't seem to matter that I pay paying in full every few days and had put several thousand dollars through a $600 card.
When I got my CSP, I suspect that the $6k I had on BCE was what Chase cared about when they gave me a $7.5k CSP limit.
When you got your $5k CSP, it looks like your $4.8k Lowes card was your highest limit. So your experience has been like mine. Chase was willing to match or slightly exceed whatever the highest existing limit was, but only slightly.
Spot on, I'm almost fearful of how much info I put out on my signature based on how good you studied it LOL j/k.
I'm feelin the same way, I haven't been nearly as disciplined with my CSP as I have with my other cards following, which mainly were acquired because of a 0 percent purchase and/or BT promo, so it's probably partially my fault for my struggles. Although, I've had one paid off auto with them (Chase), and currently have my house and current auto with them so when I talk to them I almost exaggerate how they have me by my you-know-what.
CarefulBuilder14 wrote: Chase wasn't the first lender to grant a higher 'CL tier' to someone with a short history (me) or rebuilding (you, presumably, from your First Premier closed accounts).
To your last point, which was also spot on, I have been rebuilding my credit since pretty much 2009 when I got the first premier and I am proud of how far I've come. In less than 10 years I've improved almost 350 to 400 points no lie.
Additional note: The Bank of America shown at the very bottom of my sig was a defaulted/maxed out card, and that was when I was first in college and didn't know any better haha. I eventually (right around 2009, when I applied for my mortgage) settled for about 30 percent of the original balance. Only working as a bartender and/or server at the time, I just started pickin up extra shifts and sellin stuff lol.