01-18-2013 09:26 AM
Has anyone been able to get a reduced apr with chase or a credit line increase if so how? I've been with them for about 1 year and 4 months and am still stuck at $800 limit and apr of 22.99%
01-18-2013 10:01 AM
01-18-2013 05:55 PM
have you used the card alot?
i was approved back in july for a 500 limit with the 22.9apr but 0% on bt and purchases for the first 18 months. since then i got a auto cli to 1k last month.
to my knowledge you can request one but it would be a hard pull.
|Current: Discover Fico 701 10/14 Walmart Fico 689 9/14|
Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014
|Amex Zync(Unicorn) |
Citi Diamond Preferred$6000
01-18-2013 07:21 PM
Chase bought WAMU a few years back, and I had a WAMU card. Chase immediately rate jacked my APR to 29.99% (the default rate) for no reason. The account was 10 years old, with no issues. Eventually they switched me to a Slate card, and about 6 months ago I PC'd it to a CSP, and got a CLI to $25,000. I've tried and tried to get them to reduce the APR since they took over the account years ago, and they always refuse, saying that I they'll "check again in six months". I also have a JPM Select that has the standard 14.24% that comes with that card, and they STILL won't lower the rate on the CSP. The APR really doesn't matter as I never carry balances - it's the principal of the matter that gets to me every time I think about it!
01-20-2013 04:48 AM
I'm at 17.99% and plan on calling to ask for a reduction Tuesday.
05-31-2013 08:59 PM
ok so based on what im hearing and being in contact with there executive office these companies will never budge on apr becuse i also get told to callbck in 6 months
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO