Chase mailers and credit limits

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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FutureBillionaire
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Chase mailers and credit limits

Postby FutureBillionaire » Wed Dec 05, 2012 1:41 pm

What's up folks? Do Chase cards start out with high credit limits? I'm just curious due to the insane number of mailers I get from them. I'm not going to apply anytime soon, but I am curious.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape


Vermonster
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Location: NJ

Postby Vermonster » Wed Dec 05, 2012 1:56 pm

I app'd for the Freedom with a 717TU, 12k income. I was given instant approval for $2.7k CL. To me that was an insane limit because I was expecting to have to fight for $500.

From what I've read though it can be hard to get a CLI out of them so it seems their generosity is all up front.
Case Freedom $5k
Chase Sapphire Preferred $5k
Amex Blue Cash Preferred $12.4k
Citi Double Cash $3.1k

RR101
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Postby RR101 » Wed Dec 05, 2012 2:24 pm

I got a Chase Sapphire preferred with 781EX, 122K income... with a 22,500K limit but I also bank with them maybe that help out too...


CC Deville
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Postby CC Deville » Wed Dec 05, 2012 4:52 pm

Chase Freedom approved 11/2010 with a $7K limit...auto CLI to $10K in 8/2011.

MaxPunishment
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Postby MaxPunishment » Sat Dec 15, 2012 12:14 am

I recently applied for 3 Chase cards in the past 6 weeks and was given the following limits:

Chase Sapphire Preferred: 7.5k
Southwest Premier: 8.5k (which I had lowered to 6k so I could qualify for the Hyatt Signature below)
Hyatt Visa Signature: 5k

Compare that to Discover which gave me 3k and American Express that gave me 3.5k for their Starwood Preferred Guest card in the same timespan.

Would definitely say Chase is the most generous of all the banks when it comes to credit limit, but I've had a really good history with them in the past 4 years as their Amazon card had been my primary spending card and my checking account with them being my primary checking account. I had no history with Discover and I only use my Amex Blue card with 5k limit for Costco purchases once or twice a month

FutureBillionaire
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Postby FutureBillionaire » Mon Dec 17, 2012 4:50 pm

Thanks all. I may do the Freedom.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

jdauria
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Postby jdauria » Mon Dec 17, 2012 5:14 pm

Was just denied Chase Freedom.
704 credit score (just starting out), 45k income. No student or car loans. :(
[font=Times New Roman][size=80]American Express Green[color=green] [NPSL][/color]
American Express Blue Cash Preferred
Chase Freedom

Future:
American Express Premier Rewards Gold[/size][/font]


FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Mon Dec 17, 2012 5:36 pm

jdauria wrote:Was just denied Chase Freedom.
704 credit score (just starting out), 45k income. No student or car loans. :(


Did they say why? Length of credit history?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

jdauria
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Location: Arlington

Postby jdauria » Mon Dec 17, 2012 5:49 pm

FutureBillionaire wrote:Did they say why? Length of credit history?


Yup.

Is it weird if your credit score varies by over 70 points from one credit provider to another?
[font=Times New Roman][size=80]American Express Green[color=green] [NPSL][/color]

American Express Blue Cash Preferred

Chase Freedom



Future:

American Express Premier Rewards Gold[/size][/font]



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