Chase Credit Card Limit Increase From Chase
Author: moonshado
Posted: Thu Sep 01, 2005 9:49 pm
Post subject: Chase anyone?
Anyone have any idea how chase lends?
I have an 8k Line with them taking advantage of a nice 0% offer, I called two weeks ago and asked for a cli to 10k they said I had sufficent credit with them. I asked to speak to someone they said no one to speak with. So I go online and apply for another Chase card Visa Signature and I call the next day to find the status, they were still making a decision, I looked though my credit monitering service and saw they pulled two files for me today so I give them a call and boom they gave me a 7k line. Im just wondering if cli's people never look at maybe a computer decision and applications are reviewd by people? Any ideas out there?
And is it still their common practice to approve you for one line be agree to double it for bt's?
I know they have done that in the past I had a 2.5k line but they said if I wanted 5k in bts they would do it, same thing when I got the line I had now got the card at 4k and did 8k in bts.
Do they do this now that bank one has a hand in the pot?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: jlrdc909
Posted: Thu Oct 20, 2005 2:41 pm
Post subject: Manual Review
Chase seems to be one of the last of the CC companies that do a manual review if it doesnt pass on the computerized test.
I just got approved after waiting 3 weeks, I had opened a few CC's over the past 6 months, most banks would have said no, but they did a manual review, so the wait was worth it.
Author: moonshado
Posted: Fri Oct 21, 2005 8:18 am
Post subject: Chase Credit Card Limit Increase From Chase
Update on the very smart people at Chase.
So I get the 7k line and relize they gave it to me at a 21% interest rate. I call and complain they say there is nothing they can do. So I say fine just consolidate this line over to my other Chase line. They put me in touch with a credit analyst that denyes it saying I have too much credit. I reply with if your alredy giving me the credit why does it matter where it is.. I get a whole line of C R A P . I ask to speak with a supervisor they say they will have to have one call me back. I wait two days and nothing so I call back and ask for a supervisor credit analyst comes back on the phone and states ok we will combine them but we have to leave 500$ on the new card. Im like ok fine. So heres where they show how smart they are again. 8k + 6.5k = 14.5k but the analyst tells me so that will make your new line 16.5k which is where it is today.
So not only are they lacking in common sense but math skills as well..
But hey another 2k on my 7.9f line im a happy man!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Fri Oct 21, 2005 10:09 am
Post subject: Chase Credit Card Limit Increase From Chase
It'a confusing. My guess is that new card applications are handled differently from existing card line increase requests. In another thread, someone complained that Chase had cut her off from balance transfer offers. I forget to mention then that I have 4 active cards with Chase--when I go online and check for bt offers, 2 of the cards show I can do bts, 2 show I can't. The marketing offers are designed for certain cards or types of cards and vary month to month. Point--it's wrong to assume any of these actions are personal in any way. If there's no CLI for your account today, it may have nothing to do with your credit, only with the current marketing. Wait and try again.
I applied for a fifth Chase card earlier this week; TransUnion was pulled. I'm waiting to hear back...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Thu Sep 01, 2005 9:49 pm
Post subject: Chase anyone?
Anyone have any idea how chase lends?
I have an 8k Line with them taking advantage of a nice 0% offer, I called two weeks ago and asked for a cli to 10k they said I had sufficent credit with them. I asked to speak to someone they said no one to speak with. So I go online and apply for another Chase card Visa Signature and I call the next day to find the status, they were still making a decision, I looked though my credit monitering service and saw they pulled two files for me today so I give them a call and boom they gave me a 7k line. Im just wondering if cli's people never look at maybe a computer decision and applications are reviewd by people? Any ideas out there?
And is it still their common practice to approve you for one line be agree to double it for bt's?
I know they have done that in the past I had a 2.5k line but they said if I wanted 5k in bts they would do it, same thing when I got the line I had now got the card at 4k and did 8k in bts.
Do they do this now that bank one has a hand in the pot?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: jlrdc909
Posted: Thu Oct 20, 2005 2:41 pm
Post subject: Manual Review
Chase seems to be one of the last of the CC companies that do a manual review if it doesnt pass on the computerized test.
I just got approved after waiting 3 weeks, I had opened a few CC's over the past 6 months, most banks would have said no, but they did a manual review, so the wait was worth it.
Author: moonshado
Posted: Fri Oct 21, 2005 8:18 am
Post subject: Chase Credit Card Limit Increase From Chase
Update on the very smart people at Chase.
So I get the 7k line and relize they gave it to me at a 21% interest rate. I call and complain they say there is nothing they can do. So I say fine just consolidate this line over to my other Chase line. They put me in touch with a credit analyst that denyes it saying I have too much credit. I reply with if your alredy giving me the credit why does it matter where it is.. I get a whole line of C R A P . I ask to speak with a supervisor they say they will have to have one call me back. I wait two days and nothing so I call back and ask for a supervisor credit analyst comes back on the phone and states ok we will combine them but we have to leave 500$ on the new card. Im like ok fine. So heres where they show how smart they are again. 8k + 6.5k = 14.5k but the analyst tells me so that will make your new line 16.5k which is where it is today.
So not only are they lacking in common sense but math skills as well..
But hey another 2k on my 7.9f line im a happy man!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Posted: Fri Oct 21, 2005 10:09 am
Post subject: Chase Credit Card Limit Increase From Chase
It'a confusing. My guess is that new card applications are handled differently from existing card line increase requests. In another thread, someone complained that Chase had cut her off from balance transfer offers. I forget to mention then that I have 4 active cards with Chase--when I go online and check for bt offers, 2 of the cards show I can do bts, 2 show I can't. The marketing offers are designed for certain cards or types of cards and vary month to month. Point--it's wrong to assume any of these actions are personal in any way. If there's no CLI for your account today, it may have nothing to do with your credit, only with the current marketing. Wait and try again.
I applied for a fifth Chase card earlier this week; TransUnion was pulled. I'm waiting to hear back...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 7:19 PM
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