@Anonymous wrote:
Dealing with them is so frustrating. Just a simple answer yes or no and if no why? End of story
Not to derail the thread but I do agree. As much as Chase does have some excellent products I don't find them easy to deal with. They do not give CLIs without a HP (ok, very very very rarely they do), they don't reduce APRs period, they just don't seem interested in working with people as their credit improves. Instead, your "solution" is to open a new card (which can't be the same as the old, so you have to want a different product), move the limits around, etc. Not a real solution, it's a kind of half ass solution and Chase should be more flexible with working with people IMO.
Chase is great if you want a product they offer and you do not care about your CL ever growing or the APR moving down. If that's your situation, they have good products. For those who prefer a more flexible lender who adapts to your credit improvements (such as Discover, who does reduce APR and does do SP CLIs), Chase is not the one, at least not in my experience.
