- Green Member
- Posts: 13
- Joined: Tue Jul 22, 2014 2:16 am
- Location: Kansas City, Kansas
Long time lurker, first time poster....This site has helped me take my credit seriously over the past few years! Theres so much information here for people if they're eager to learn. Truly life changing! Anyone that asks me how i learned so much about the credit world i always refer them to this site.
Anyways last night after doing hours of research on this site, I applied for the Chase Sapphire Preferred card and got instantly approved for a 10K CL!!! May not seem like much to a lot of you guys, but considering the rest of my cards are as follows: CO: $3,250 Discover it: $3,300
as well as an AMEX Gold (which i just upgraded to premiere rewards yesterday), 10K CL is a lot!
I'm happy with it but i just have a few quick questions.
I've had flawless payment history on all of my cards as well as my car loan BUT at the time i applied for the CSP i have about a $1500 balance on my discover card and $200 balance on my capital one card. Do you guys think that if i would have applied for the CSP when i had all my balances paid off, would they have given me a higher CL? I know when you apply for credit, it's just a snapshot in time. There's no way for the creditor to know that all my balances on my cards will be paid off next month.
Also do you guys think that now since Chase has given me a 10K CL that CO and Discover will start being a little more generous with the auto CLIs? or will i have to call them when the time comes for a CLI and mention that my CSP CL is 10K? What are your thoughts? Oh and my salary is 50K a year, if that helps any. Thanks.
CO (7/2011): $6,250
Discoverit (9/2012): $9,500
AMEX PRG (3/2013)
CSP (7/2014): 10K