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 709 3/15 Walmart Fico 743 4/15|
Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
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
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.