Approved for Freedom

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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jumbo
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Postby jumbo » Tue Nov 19, 2013 10:47 am

robbrock11 wrote:I was excited today I called chase and got my credit limit increased from $1500 to $6500 ;)

What did you say when you called? Was there a hard pull for the CLI?
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GoCreditGo!
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Postby GoCreditGo! » Tue Nov 19, 2013 2:17 pm

Sounds like I need a co-app too. Was it only the income they were worried about?

tvirk888 wrote:So I got a letter in the mail from Discover. They said they would approve my application with a co-app. My score on TU according them them is 770! :cool: :D I called each credit bureau and they said they will look into this and get back to me.

robbrock11
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Postby robbrock11 » Wed Nov 20, 2013 1:16 am

jumbo wrote:What did you say when you called? Was there a hard pull for the CLI?


I just asked if I could get an credit limit increase he told me he couldn't guarantee the increase and once he ran my credit he was actually surprised i was approved right away for $6,500 i was only hoping to $2500-3000. My score is like a 715 never a late payment always paid well. But sorry didn't say anything specifically.
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jumbo
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Postby jumbo » Wed Nov 20, 2013 11:28 am

robbrock11 wrote:... and once he ran my credit ...


Ran your credit as in a hard inquiry?
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tvirk888
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Postby tvirk888 » Wed Nov 20, 2013 12:32 pm

GoCreditGo! wrote:Sounds like I need a co-app too. Was it only the income they were worried about?


I'm not sure, but I think they just wanted a co-app. Though the lady did think I was applying for the student card, could of made a difference, not sure.
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tvirk888
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Postby tvirk888 » Wed Nov 20, 2013 12:33 pm

robbrock11 wrote:I just asked if I could get an credit limit increase he told me he couldn't guarantee the increase and once he ran my credit he was actually surprised i was approved right away for $6,500 i was only hoping to $2500-3000. My score is like a 715 never a late payment always paid well. But sorry didn't say anything specifically.


So you had a HP for a CLI? I wish Chase didn't do that.
Amex BCE - $20K (11/2014)
Amex Everyday - $20K (04/2015)
Amex Business Gold - NPSL (09/2013)
Bank Of America Cash Rewards - $5K (11/2014)
Chase Freedom - $11,700 (10/2013)
Chase Sapphire Preferred - $18K (11/2014)
Citi Thank You Preferred - $10K (11/2014)
U.S. Bank Cash+ - $5K (03/2015)
Wells Fargo Platinum Rewards - $4700 (05/2009)

robbrock11
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Postby robbrock11 » Wed Nov 20, 2013 1:11 pm

I am assuming so yes but I won't know till I see my credit report next month but I haven't had any hard inquiries in a few years so I was ok with it.
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MemberSince99
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Postby MemberSince99 » Wed Nov 20, 2013 4:10 pm

I'd take a hard for that level of CLI.

Just be aware they may pull two bureaus but if you haven't had any inquiries it won't hurt too much.



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