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Have any of y’all applied for credit line increase on a cc and had your limit increased but at the same time credit line decreased on other cards?
Specifically with chase
Chase has an aggregate credit limit across products. Even applies to combined business and personal accounts.
If you’re at the limit the only way to increase one line of credit is to decrease another.
Are they all under the same bank?Have any of y’all applied for credit line increase on a cc and had your limit increased but at the same time credit line decreased on other cards?
Specifically with chase
Are they all under the same bank?
Hmmm, BofA did me the same way. 2 cards with them, raised one then lowered the other after I put in for an increase.4 cards all under chase
Don't apply for a credit line increase with Chase, that's a hard pull inquiry. You're better off using that hard pull on a new credit card and take advantage of a sign up bonus.
As said earlier, Chase has a soft rule of extending credit for 50% of your annual income.
They've started doing soft pulls a year ago. I did a CLI in the app for 3 of my Chase cards back in Oct and theres no hard pull on my credit reportsDon't apply for a credit line increase with Chase, that's a hard pull inquiry. You're better off using that hard pull on a new credit card and take advantage of a sign up bonus.
As said earlier, Chase has a soft rule of extending credit for 50% of your annual income.
How did you get over the humpfinally broke 800 on my credit score lol.
i was stuck between 770-780 for years
How did you get over the hump
Secrets?finally broke 800 on my credit score lol.
i was stuck between 770-780 for years
Does having borrowing power of over 100k have anything to do with this?finally broke 800 on my credit score lol.
i was stuck between 770-780 for years
Does having borrowing power of over 100k have anything to do with this?
Nice, im hoping to break 800 this year
Not for me. I asked to borrow >100k this last year from several lenders and they won’t give me.