Ink Bold Business Charge Card

[Super Speed]

I have an IB card with a $7k CL. Less than a month after I opened it, I bought $4k of VRs, and I got a call from the loan department asking if I needed a higher CL. At the time I said no, since I didn't want to get a hard pull. However, now I'm wondering if I can transfer credit from my UA card which has an $8k CL and I never use it. Is this doable, or only when doing reconsideration? Does it make a difference that the UA card is a personal card?

On the IB its not a hard pull when they offer it to you since there's no official CL like the IP. That being said IME you can't transfer CL to an IB only to an IP.

[PETERP]

On the IB its not a hard pull when they offer it to you since there's no official CL like the IP. That being said IME you can't transfer CL to an IB only to an IP.

Nothing @ Chase is set in stone IME.

[AnonymousUser]

Nothing @ Chase is set in stone IME.

I tried SM, they said no since 1 is biz and 1 is personal. Should I HUCA or don't bother and just ask for a regular CL increase?

[PETERP]

I tried SM, they said no since 1 is biz and 1 is personal. Should I HUCA or don't bother and just ask for a regular CL increase?

HUCA has performed miracles for me . When told it cant be done, HUCA and ask them is there any way you can help me to make this happen .

[ilherman]

HUCA has performed miracles for me . When told it cant be done, ask them is there any way you can help me to make this happen .

IME this is not the trick of HUCA, when a rep is not willing to help its usually worthless to ask please make it happen etc...... rather HUCA and find a nice help who is willing to help.

[PETERP]

IME this is not the trick of HUCA, when a rep is not willing to help its usually worthless to ask please make it happen etc...... rather HUCA and find a nice help who is willing to help.

I wasn't clear in my post which I modified . I meant to say on the next call .

[peace123]

so the IB is better then the IP because of free primary car insurance?  is this only collision coverage or all coverage and no other coverage is needed to purchase?

[Dan]

They have the same insurance.

[sammy n]

On the IB its not a hard pull when they offer it to you since there's no official CL like the IP. That being said IME you can't transfer CL to an IB only to an IP.

+1

[sguitarist18]

Quick question - if I have both the IB and IP and want to close one, which one would you recommend closing first?

[ilherman]

Quick question - if I have both the IB and IP and want to close one, which one would you recommend closing first?

Bold. you are not loosing CL.

[sguitarist18]

Not really worried about that - my credit utilization is hovering below 5% anyway.

Although if there's no reason not to, I guess that could be the deciding factor. Anything else I should consider?

[sillypainter]

Bold. you are not loosing CL.

Not really true, there is a credit limit there. I used to be able to shift lines, but on may last call (since their lending services became somewhat arrogant) they didn't want to shift credit lines, but they told me the reason is because I have too many cards open, not because of the line, so I still think the line is valid and it's there.

[thaber]

Not really true, there is a credit limit there. I used to be able to shift lines, but on may last call (since their lending services became somewhat arrogant) they didn't want to shift credit lines, but they told me the reason is because I have too many cards open, not because of the line, so I still think the line is valid and it's there.

+1, I'm maxed out at chase because of my bold CL, which I need and use. the only difference is that its flexible, and IME they let you go very significantly over.

[ilherman]

Not really true, there is a credit limit there. I used to be able to shift lines, but on may last call (since their lending services became somewhat arrogant) they didn't want to shift credit lines, but they told me the reason is because I have too many cards open, not because of the line, so I still think the line is valid and it's there.

It is not coming up a CL for a charge card on your credit report.
Chase just gives you a recommended CL for your Bold but its not really a CL, IME I was not ablt to shift CL from the Bold.

[intgesh]

Do you need to request additional credit over the recommended limit on the IB, or will it work automatically? Basically,if my limit is 6k and I want to spend 10k, 15k or 20k will it work if I just swipe in the store or do I have to ask Chase first?

[Marco Polo]

Do you need to request additional credit over the recommended limit on the IB, or will it work automatically? Basically,if my limit is 6k and I want to spend 10k, 15k or 20k will it work if I just swipe in the store or do I have to ask Chase first?

Probably better to ask.

[ilherman]

Do you need to request additional credit over the recommended limit on the IB, or will it work automatically? Basically,if my limit is 6k and I want to spend 10k, 15k or 20k will it work if I just swipe in the store or do I have to ask Chase first?

Going over the recommended CL is a A/A risk.

[Super Speed]

Going over the recommended CL is a A/A risk.

+1 I wouldn't recommend especially with the new A/A virus going around.

[BBM]

Do you need to request additional credit over the recommended limit on the IB, or will it work automatically? Basically,if my limit is 6k and I want to spend 10k, 15k or 20k will it work if I just swipe in the store or do I have to ask Chase first?

Just call them and explain you would like to put through a charge over the credit limit. They will transfer you to the financial department and ask a few questions about you business. They will then put you on hold for 2 min and review your account WITH OUT A CREDIT PULL and usually adjust the flexible spend line. (2X success).