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  1. #1
    FutureBillionaire
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    Default Chase mailers and credit limits

    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 cash 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: US Bank Cash +, Citi Forward,
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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    Reply With Quote Reply With Quote     Dec 5, 12, 11:41 am
  3. #2
    Vermonster
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    Default

    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.
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    Reply With Quote Reply With Quote     Dec 5, 12, 11:56 am
  4. #3
    RR101
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    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...
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    Reply With Quote Reply With Quote     Dec 5, 12, 12:24 pm
  5. #4
    CC Deville
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    Chase Freedom approved 11/2010 with a $7K limit...auto CLI to $10K in 8/2011.
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    Reply With Quote Reply With Quote     Dec 5, 12, 2:52 pm
  6. #5
    MaxPunishment
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    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
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    Reply With Quote Reply With Quote     Dec 14, 12, 10:14 pm
  7. #6
    FutureBillionaire
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    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 cash 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: US Bank Cash +, Citi Forward,
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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    Reply With Quote Reply With Quote     Dec 17, 12, 2:50 pm
  8. #7
    jdauria
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    Was just denied Chase Freedom.
    704 credit score (just starting out), 45k income. No student or car loans.
    NavyFed GoRewards (4/2012)
    Citi Forward (12/2012)
    Chase Freedom (12/2012)
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    Reply With Quote Reply With Quote     Dec 17, 12, 3:14 pm
  9. #8
    FutureBillionaire
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    Quote Originally Posted by jdauria View Post
    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 cash 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: US Bank Cash +, Citi Forward,
    Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
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    Reply With Quote Reply With Quote     Dec 17, 12, 3:36 pm
  10. #9
    jdauria
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    Quote Originally Posted by FutureBillionaire View Post
    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?
    NavyFed GoRewards (4/2012)
    Citi Forward (12/2012)
    Chase Freedom (12/2012)
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    Reply With Quote Reply With Quote     Dec 17, 12, 3:49 pm
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