Does anyone else have bad experiences with Chase cards...

[Madison]

they seem to be the most unfriendly credit card I have. you would think as big as they are, they would be more customer friendly. I have already paid one off and have reduced the other to 55% utilization and they still won't lower interest rates.

[John060675]

Try to PIF the card with 55% utilization on it.  The sock drawer them for a few months.  Call them back then and negotiate.  You will have more leverage then. 

Basically, they have no incentive to lower your % rate when you are carrying a balance on your card. 

[Anonymous]

The only problem I have with Chase is that they are really hard-nosed and unmoving. I appd for what I thought was the co-branded CC card (lets face it the interest rate on that one sucks as well) but was only approved for a store card. IT was okay at first cause I knew that I had a 7 year old BK on file but I didn't see the point with the limit on the store card being what it was why not just approve the co-brand?

Hopfully they don't think I will jump at the chance for one of their bigger sucker cards as acording to EQ, despite the BK (all included med bills have been removed) I have 10 years of perfect payment history...go figure.

My kid used to get prepp'd offers from them at 25% interest because he only had AU accounts on file, he was getting Amex Gold Rewards offers at the same time.

Message Edited by Brammy on 10-21-2007 03:39 PM

[Anonymous]

For my first post I want to say Chase has irked me in a big way.  I got the card last November with an 8.99% fixed rate.  Today I got a notice saying they were increasing to 24.something as of December.  I called and asked what's up with this and was told it's because I have high balances on other credit cards.  That's funny, I paid off ALL my high balance credit cards nearly 2 months ago, including Chase.   I have used Chase since then, and only Chase.  I shredded the other cards (Providian x 2, Capital One x 2 - they had seriously high interest).  Anyway, I ended up speaking to a girl in the lending department and with very little fuss (this scares me), she said no problem, your APR will remain at 8.99%.  I don't get it.  I've never been late on my Chase card and my house is financed with Chase and I've never been late on that. 

I feel better now.

Now for the numbers:  As of 9-27-07 (One CC balance was still showing)

Experian 744

Equifax 703

TransUnion 728

[John060675]

Congrats on getting the APR lowered back to where it should be!

[haulingthescoreup]

---

@Anonymous wrote:

For my first post I want to say Chase has irked me in a big way. I got the card last November with an 8.99% fixed rate. Today I got a notice saying they were increasing to 24.something as of December. I called and asked what's up with this and was told it's because I have high balances on other credit cards. That's funny, I paid off ALL my high balance credit cards nearly 2 months ago, including Chase. I have used Chase since then, and only Chase. I shredded the other cards (Providian x 2, Capital One x 2 - they had seriously high interest). Anyway, I ended up speaking to a girl in the lending department and with very little fuss (this scares me), she said no problem, your APR will remain at 8.99%. I don't get it. I've never been late on my Chase card and my house is financed with Chase and I've never been late on that.

I feel better now.

Now for the numbers: As of 9-27-07 (One CC balance was still showing)

Experian 744

Equifax 703

TransUnion 728

---

Google "universal default." Wikipedia has a pretty good entry. Everyone should pull out their terms and conditions, or call their CCC's, and see if they could be hit with this.

Nice scores!

[MidnightVoice]

---

@haulingthescoreup wrote:

---

@Anonymous wrote:

For my first post I want to say Chase has irked me in a big way. I got the card last November with an 8.99% fixed rate. Today I got a notice saying they were increasing to 24.something as of December. I called and asked what's up with this and was told it's because I have high balances on other credit cards. That's funny, I paid off ALL my high balance credit cards nearly 2 months ago, including Chase. I have used Chase since then, and only Chase. I shredded the other cards (Providian x 2, Capital One x 2 - they had seriously high interest). Anyway, I ended up speaking to a girl in the lending department and with very little fuss (this scares me), she said no problem, your APR will remain at 8.99%. I don't get it. I've never been late on my Chase card and my house is financed with Chase and I've never been late on that.

I feel better now.

Now for the numbers: As of 9-27-07 (One CC balance was still showing)

Experian 744

Equifax 703

TransUnion 728

---

Google "universal default." Wikipedia has a pretty good entry. Everyone should pull out their terms and conditions, or call their CCC's, and see if they could be hit with this.

Nice scores!

---

Juniper SAYS they don't go in for universal default

[Anonymous]

They need to think again.  I haven't been late on anything else.  The bottom line is they suck and when I find something better, they're outta here!!!!!  I choose who to get screwed by and it won't be them.

[MidnightVoice]

So far I have had no problems with them and the CSRs speak English and seem to be located in the US, which always helps