08-18-2009 07:08 AM
So... since I've opened my Chase account, from day one I wasn't thrilled with how they handled my account. When I originally opened it, the goal was to perform a balance transfer of $1000. Instead of what I originally wanted, they opened up a card with a credit limit of $400 and transferred $200 over. After paying the $200 the following month as not to kill my utilization on the card, it remained mostly idle for 2 years (using it here and there to keep the card active).
My other cards were receiving CLIs periodically when Chase remained at a strong $400. After 2 years and not feeling a credit inquiry was worth it, I finally just cancelled the card. This will not hurt my current credit score seeing as I currently have $34 / $8550 utilized.
The strange thing though is it was the fastest account close I've ever had. They didn't even try to retain me as a customer. Oh well.
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