I currently have a Washingtion Much cc with a 16k limit its in good standing zero balance, had the card since 2004, It will become a chase cc in march. My questions is about chase and credit limit increases, how often can you get them, do they do it in house with no hard pulls? Also I was wondering what kinda BT offers they send there good customers. Any insight from a card holder would be great. Thanks in advance for your replies.
I've had good luck with Chase. I don't know if they do hard pulls if you request a CLI or not. I haven't requested one in a while. They were pretty generous with increases until I got into the 25K range. I had been getting BT offers in the 3.9% to 4.9% range, but frankly, I haven't paid much attention lately.
Like you, I am wondering about the same thing. Have a Visa and a MC from Washington Mutual. Just received a notice from Chase saying that when my current card expires they will "re-evaluate" you based on "their criteria". Whatever the hell that means. I guess until then the limits will stay the same.
Chase CLI's YES! Chase does a hard pull for a CLI. When I requested my CLI by phone, I asked the CSR to do a soft pull and was told he had no way of controlling that. I said to go ahead and submit the request and was rewarded by a hard pull from TU. I'm in GA and have no way of knowing if they pull from different CRB's but for both my original application and my CLI request, they pulled TU.
