Let me start by giving a little background. I have a Credit One card that is a few years old back from before I knew any better (with a $96 annual fee, I only keep it around because it's my oldest card), a Discover card I opened last August with a $3,300 SCL which is now at $4,800 and due for another CL request, a Chase Freedom opened last December with a $500 CL and a Chase Freedom Unlimited with a $500 starting CL.
When I apped for my first Chase card, I hadn't really worked on my credit and had a few medical collections and one late payment on my CRs but I saw the credit I got from Discover and overestimated myself and at this time had no idea about being able to recon so I dealt. A few months later I got an email about the new CFU when it was brand new and thought maybe since my score had increased, I'd be approved for more. Wrong. $500 again.
I only recently started using the Freedom more often now that the 5% category this quarter includes restaurants but nothing major. Discover is my main card for obvious reasons, plus double Cashback the first year. Since I've become addicted to this forum and other helpful credit information, I have managed to remove 2 of the 4 medical collections from my CRs as well as growing my Discover card.
Fast forward to today, I needed to make a large purchase and the company didn't accept my beloved Discover card UGH. So while I had planned to stay in the garden longer than 3 months (especially because I will be apartment hunting soon) I called the Chase exec office number from the backdoor number thread and asked for a CLI. I was told it would be one hard pull and was recommended to try for the Freedom first because it was older so I agreed, asked if I wanted a certain number or wanted to leave it blank, I left it blank. He came back less than 30 seconds later and YESSS APPROVED $4,500!! I was SO happy I decided to pull the trigger today. I asked if we could use the same CR to try for a CLI on the FU but was told it would be an additional hard pull. Should I recon this 🤔 I was told I might want to wait a couple more months until the FU is 6 months old. Any advice?? I'm beyond excited about the CLI and don't want to push it but also don't want to waste another hard pull. From $500 to $4500!!
Thanks for reading all the way through and THANK YOU members for all of this advice. I almost never post but I am constantly reading!
When I apped for my first Chase card, I hadn't really worked on my credit and had a few medical collections and one late payment on my CRs but I saw the credit I got from Discover and overestimated myself and at this time had no idea about being able to recon so I dealt. A few months later I got an email about the new CFU when it was brand new and thought maybe since my score had increased, I'd be approved for more. Wrong. $500 again.
I only recently started using the Freedom more often now that the 5% category this quarter includes restaurants but nothing major. Discover is my main card for obvious reasons, plus double Cashback the first year. Since I've become addicted to this forum and other helpful credit information, I have managed to remove 2 of the 4 medical collections from my CRs as well as growing my Discover card.
Fast forward to today, I needed to make a large purchase and the company didn't accept my beloved Discover card UGH. So while I had planned to stay in the garden longer than 3 months (especially because I will be apartment hunting soon) I called the Chase exec office number from the backdoor number thread and asked for a CLI. I was told it would be one hard pull and was recommended to try for the Freedom first because it was older so I agreed, asked if I wanted a certain number or wanted to leave it blank, I left it blank. He came back less than 30 seconds later and YESSS APPROVED $4,500!! I was SO happy I decided to pull the trigger today. I asked if we could use the same CR to try for a CLI on the FU but was told it would be an additional hard pull. Should I recon this 🤔 I was told I might want to wait a couple more months until the FU is 6 months old. Any advice?? I'm beyond excited about the CLI and don't want to push it but also don't want to waste another hard pull. From $500 to $4500!!
Thanks for reading all the way through and THANK YOU members for all of this advice. I almost never post but I am constantly reading!