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My experience with CHASE


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I got my first Chase card 4 months ago. Slate with 2000 limit. Have used it heavily and paid in full every month. Just applied for and was approved instantly for 7000 CL. Called next day for CL recon... increased to 10K, since it was that easy I asked for more... denied. Initially i thought "10K is nice since I only got my first cc 9 months ago (cap1 with 300 limit) then thought about it some more and called back. Felt I should have received a higher limit with my income, payment history on other cards, and 3 loans paid flawlessly for high end cars. Talked to a very nice lady in the lending dprt... instantly approved for 20K. My advice.... pay your cards in full every month or carry a very minimal balance, and take advantage of recon numbers. Talking to a person really helps.

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Congrats.

My experience, Chase is just like Bofa.

Never carry a balance .

This is good advice for any credit card...

Absolutely true. its the formula I used for my first credit card... a cap1 card with a 300 limit. By using the card and paying it off in full several times a month I was able to get an automatic CLI from 300 to 3000 in 6 months. When I called to make sure there was not some kind of mistake the rep told me that my obsessive payment history was a huge plus in getting me the large CLI. This is a card that I had read about people on these boards having for years and not being able to get a CLI ever, or if they did it was minimal.

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