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@dizbuster wrote:
I have learned to take all this credit stuff in stride. I've been through credit purgatory (maybe still their) so none of this stuff affects me much. I keep thinking back to when I filled BK and had to watch as some stranger came and drove away my truck and camp trailer. That was the worst. So if Chase wants to close a $500 card, so be it. My life has other more pressing concerns, so if they want me to worry about it they will have to get at the back of the line.
LOL....good attitude to have. Do what you can, recognize what you can't, realize worry doesn't help anything but high blood pressure medication sales.
I'm still waiting for my DHs to go although it was an ex Circuit City card that they replaced with a Chase Freedom.
His did have a $800 balance on a $1020 limit, I paid that down to $0 just before the swap and have started using the card as an everyday one with the balance being PIF each month (just as it is basically the only reward card we have) I am not sure if it is a good idea or not but i guess we'll find out in the next couple of months
@Anonymous wrote:I'm still waiting for my DHs to go although it was an ex Circuit City card that they replaced with a Chase Freedom.
His did have a $800 balance on a $1020 limit, I paid that down to $0 just before the swap and have started using the card as an everyday one with the balance being PIF each month (just as it is basically the only reward card we have) I am not sure if it is a good idea or not but i guess we'll find out in the next couple of months
I suspect you will be fine. Be glad you're not a Providian -> WaMu -> Chase refugee. Not having been originally approved by Chase seems to make you lower that low. txjohn is in a modestly better position that I am - he is at 29.99% and converted - I am at 31.99% and not converted. We both PIF. Hopefully at some point we will be allowed to sit at the grown up table. There is no reason why we shouldn't be there now.
@Anonymous wrote:
I see on my CR that when they updated( 7/22/2009)the card was close. I just logged into the website and both cards r still open. I got a letter saying that my EX score was to low but it's been a while since I check and when I did it was over 700. I understand why they wouldn't want my business b/c i used my card once per Month to make 1 small purchase but why would they get rid of customers that's using there cards a lot and paying way more than the minimum.
Once again: It is impossible to tell from the website if your account is open or closed! You must either call, try to use it or I, suppose, wait for it to report.
@creditwherecreditisdue wrote:
@Anonymous wrote:
I see on my CR that when they updated( 7/22/2009)the card was close. I just logged into the website and both cards r still open. I got a letter saying that my EX score was to low but it's been a while since I check and when I did it was over 700. I understand why they wouldn't want my business b/c i used my card once per Month to make 1 small purchase but why would they get rid of customers that's using there cards a lot and paying way more than the minimum.Once again: It is impossible to tell from the website if your account is open or closed! You must either call, try to use it or I, suppose, wait for it to report.
I understand that! I was making a point that my card was close on the 22nd r earlier and it's still showing as open on the site.
creditwherecreditisdue wrote:
When the deck is so heavily stacked in your favor you don't have to care about your customer, let alone your former customer. They do it because they can. They have run the numbers and it is cheaper for them to act this way. Since when did a money center bank's concerns run beyond their bottom line?