Chase Bank Credit Card

[Dallasgirl]

Here's something funny...  I just went down to the bank to make a deposit and the teller said, "Oh, Ms. So & So, you've been pre-approved for a Chase credit card.  Would you like to take advantage of it?"  I hesitated for a second and wanted to ask, "Would it involve a hard inquiry?"  "What kind of credit line?"  Then I chuckled and said, no thanks!   (NO NEW CREDIT FOR 09!)

I've been a Chase customer for about 15 years and don't ever recall them offering credit cards while transacting business.  I thought banks were tightening up on credit????

[marty56]

IMHO I dont like the idea of tellers hawking credit cards.

[Dallasgirl]

I agree.  Makes me wonder if tellers receive some sort of commission everytime someone says yes.

[Mark_in_Pasadena]

---

@Dallasgirl wrote:

I've been a Chase customer for about 15 years and don't ever recall them offering credit cards while transacting business.  I thought banks were tightening up on credit????

---

Based on your FICO scores, I'd lend you some money if I owned a bank.  There's almost no chance you wouldn't pay me back.

Don't forget that bankers love to offer umbrellas on a sunny day (high FICO scores), and take them away as soon as it starts to rain (low FICO scores).

[Dallasgirl]

---

@Mark_in_Pasadena wrote:

Based on your FICO scores, I'd lend you some money if I owned a bank.  There's almost no chance you wouldn't pay me back.

Don't forget that bankers love to offer umbrellas on a sunny day (high FICO scores), and take them away as soon as it starts to rain (low FICO scores).

---

Thanks, M-I-P!  Unfortunately I had a bit of a rude awakening yesterday.... I got my very first Scorewatch notice only to let me know that my EQ score dropped 7 POINTS, and all because a $34 balance posted on my Lowe's card this month!  Finicky, fincky!  

[Anonymous]

---

@marty56 wrote:
IMHO I dont like the idea of tellers hawking credit cards.

---

You, and everyone else who thinks that, should let the heads of the banks know that's the way you feel.  

After all, it's not the poor teller's fault that his/her bosses are telling him/her to sell sell sell.

Message Edited by woopah on 12-30-2008 02:45 PM

[Anonymous]

My bank used to do that all the time before the "Credit Crisis".  I think they do get some type of bonus or incentive to sign up new customers.

[MidnightVoice]

---

@Dallasgirl wrote:

  I thought banks were tightening up on credit????

---

Some of them want to keep their better customers happy.  It is just that different companies have different ways of defining "better".

 

I know my bank (USBank) softs me every two months or so 

[arjames01]

I noticed the recent asking from Chase as well. A month or two ago I went to see a personal banker, about re opening my savings, and he had me in there for about an hour! He did persuade me to open a Chase Freedom card, of which I don't regret! Very nice card for me!

[Anonymous]

Almost everytime I visit the branch to do business, they would tell me I was pre-approved and did I want the card. I would say no and go about my business.

Well, this past month, the branch was really slow and I was doing my banking.  The teller's all  know me by name and remembered me turning down the other offers. She said it was for the Freedom card and it was a pretty black card. My Freedom Plus is blue, so, she turned her monitor around so I could see the offer and card. I asked about the limit and that I didn't really need another new account. When she said 12k, I got weak in the knees and had to give in. Best part no hard pull.

I did have to call and get the card changed because they sent me the siggy card. I don't like the way Chase reports them, so they ended up sending me another Plus card, which is better the CSR said and I will NOT have to pay the $30 AF that is normally attached to this card.