Just got approved for a Chase card!

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Yeru
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Just got approved for a Chase card!

Postby Yeru » Sun Jun 01, 2014 12:39 pm

Here is a quick history of my cards.

1. My first card is a Citi Platinum Select card which is a secured card given to me by my mother back in Summer 2012. The credit line on this card is and always has been $1,500

2. My second card I went for a DiscoverIT earlier this year around February 2013. The credit line on this card is and always has been $500

3. My third card I went for AMEX Everyday in March 2013. The starting credit line given to me was $3,000. I requested 3xCLI this past Wednesday and the CL is now $9,000

Now the AMEX is hands down my favorite card and I like to use it whenever I can. The DiscoverIT, I find no reason to use it at all. I only have this card for the free TU FICO score. And the CIti card I use in emergency situations when AMEX is not accepted. I really want to sockdrawer this Citi card but I keep having to come back to it.

I was out at dinner with a few friends on Friday and wanted to charge it to my AMEX but the place did not accept AMEX so once again I had to go with the Citi card :(

So I decided the hell with this Citi card, Im going to apply for a new MC or Visa card. I really liked and decided to apply last night for a Chase Marriot Rewards Premier card:
Image

I was approved :) But the thing that took me by surprise is that they are starting me out with $7,500 credit line. Whaaaat?!! Is Chase that generous with CLs?


RRMATT
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Postby RRMATT » Sun Jun 01, 2014 2:31 pm

Congrats man

I think chase is generous, in my case too. I only had one cc before I got my csp. It was a capital one card with a 300 LIMIT!!! Anyways flash foward 6 months later I got my csp for 5k limit.

Yeru
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Postby Yeru » Sun Jun 01, 2014 5:54 pm

Thanks! :)

And Im glad to hear that they are generous. Is there any Chase CLI increase tricks i should know about? like for example the AMEX 61st 3xCLI

ncosky290
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Postby ncosky290 » Sun Jun 01, 2014 6:58 pm

Yeru wrote:Thanks! :)

And Im glad to hear that they are generous. Is there any Chase CLI increase tricks i should know about? like for example the AMEX 61st 3xCLI


No... Chase will review your account like 6 months in and may auto CLI you but usually you must ask and it is a Hard Pull...
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

astronautcowboy
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Postby astronautcowboy » Sun Jun 01, 2014 7:59 pm

Chase has given me regular increases on my Slate and Freedom for as long as I have had them. They are also my bank, though, so they know me pretty well.

Occasionally they send out a soft (or no) pull, only-if-you-want-it CLI offers. I added $2500 to my Freedom CL by simply telling them my income and saying "Yes, please." By request it's a hard pull, but you can move lines around on Chase cards too (I moved some Slate credit to my Freedom).

If you ever need a higher limit you could always apply for another card and move your line around.

Robrus1
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Postby Robrus1 » Mon Jun 02, 2014 10:37 am

astronautcowboy wrote:Chase has given me regular increases on my Slate and Freedom for as long as I have had them. They are also my bank, though, so they know me pretty well.

Occasionally they send out a soft (or no) pull, only-if-you-want-it CLI offers. I added $2500 to my Freedom CL by simply telling them my income and saying "Yes, please." By request it's a hard pull, but you can move lines around on Chase cards too (I moved some Slate credit to my Freedom).

If you ever need a higher limit you could always apply for another card and move your line around.


+1. Seems like the more spend I put through my CSP the more they want to up my CL. Put some spend through it and you'll likely get an offer down the road to up your CL for a soft pull by verifying your income.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

luvbullmarkets
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Postby luvbullmarkets » Mon Jun 02, 2014 11:35 pm

Sweet initial credit limit.

I suggest calling and bumping up that Discover limit.
Amex EveryDay, Amex BCE , Barclaycard Arrival+ WEMC, CSP Visa Signature, Discover it, Wells Fargo Propel 365 Amex

"Attack this day with a level of enthusiasm unknown to mankind." - Jack Harbaugh

JHORNECK
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Postby JHORNECK » Tue Jun 10, 2014 6:19 pm

I was just as confused as you a couple weeks ago. 2 cards, one military star card (1.5k) and one AMEX (3.5k). I applied for the Chase Sapphire Preferred and they approved me for a 15k limit. Chase seems to be pretty generous with their credit limits, especially when you have an AMEX already.

takeshi
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Postby takeshi » Wed Jun 11, 2014 12:29 pm

Yeru wrote:Is Chase that generous with CLs?

It's not a matter of generosity. It's your credit versus the creditor's criteria and creditors vary. You can't just assume that creditors will all issue the same credit limit given the same credit profile. In my experience Chase has issued me more credit than AmEx.

MemberSince99
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Postby MemberSince99 » Wed Jun 11, 2014 12:34 pm

It's also a case of YMMV. My experience is some lenders just love you and will shower you will limit and perks. Others will give them slowly, almost grudgingly over time, if you ask. And a last group really seem to not care if you are their customer at all. You never know which category you will fall into with a lender until you do business with them.


Some people with mediocre credit get huge limits with Discover while others with numerous 20k limit cards get 2k from them. That's not about your credit obviously that's about something to do with the creditor.



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