Originally Posted by
RobertHanson
Well that's going to depend on your income, and possibly credit history. For me it was $60K across all of my Chase cards combined. When I didn't get an instant approval, and called Recon, the CSR said "I'm going to recommend this app for approval, but it will have to be sent for further consideration at a higher level,
because of all the credit you have with us".
I did get approved eventually. But I heard the message loud and clear: the amount of my total CCL was making Chase nervous. So then I cut my total CCL in half, and started getting instant approvals again. Ironically Chase keeps giving me @$20K cls on my new cards, which I then have to cut way back once I meet the min spnd, in order to not get back to needing Supervisor approval again.
Thanks. That makes sense. I think above 60K is when they start getting nervous. Not just Chase, but Amex, Barclays, Citi and Bank of America as well. The difference is that BAC issues me a card and without even telling me reduces credit limit on other cards. Amex would approve my app but give me 5K limit on new cards. So each bank seems to have a different way of dealing with this.