Reply
Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Two Chase cards, can I product change?

I have two Chase credit cards and one Chase store card (Best Buy)....I have finally gotten my two main Chase cards to 0 balance. Had to use them for rent and tuition during college, and being late a day on a due date caused their APR's to rise to 27.24%, though there were never any lates on my credit reports. Needless to say, now that they're at 0 balance, I won't be using them again. Can I product change these cards? Or am I stuck with them? Should I write to them requesting my APR be lowered (though they don't do that often, do they?) Should I close them and try and open new Chase accounts? They are the United Mileage Plus VISA and Flexible Rewards VISA.

 

United Mileage Plus VISA $0 balance $4700 CL

Flexible Rewards VISA $0 balance $1500 CL

 

Any suggestions?


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 320
Registered: ‎05-17-2011
0

Re: Two Chase cards, can I product change?

Wait. So why won't you be using them anymore? Just because of the high interest rate? You could just PIF every month. I don't think if you were to close the accounts and open new ones or PC your going to get a lower interest rate because of the lates they have in their system. You might have better luck apping with a different bank, but those cards have decent CLs so I would keep them open and just use them every once in a while for small purchases.

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Frequent Contributor
Posts: 281
Registered: ‎04-30-2008
0

Re: Two Chase cards, can I product change?

[ Edited ]

Yes, I plan to keep them in the PIF rotation, I just wish I could lower the APR. The late payment/s in their system occurred at least 5 years ago. I would like to PC the United card because I don't need or use airline miles, even if the APR doesn't change.


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Established Contributor
Posts: 777
Registered: ‎08-02-2008
0

Re: Two Chase cards, can I product change?


simonlarano wrote:

Yes, I plan to keep them in the PIF rotation, I just wish I could lower the APR. The late payment/s in their system occurred at least 5 years ago. I would like to PC the United card because I don't need or use airline miles, even if the APR doesn't change.


Why not call and ask for a rate reduction if it was at least 5 years ago? If you've had great payment history since then and have paid to a zero balance, I could not see why that wouldnt help in your favor.

FICO: EX: 743 (10/14); TU: 758 (9/14); EQ 721 (9/14)

In My Wallet: Amazon X 1 |Amex X 5 | Barclays X 2 | BOA X 1 | CapOne X 3 | Chase X 5 | Citi X 6 | DCU X 1 | DinersClub X 1 | Discover X 1 | Fidelity X 1 | Fifth Third X 2 | Macys X 1 | PenFed X 2 | PSECU X 1 | Sams Club MC X 1 | Target RedCard X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1

Holding off apps until the end of the year! Wish me luck!
Frequent Contributor
Posts: 320
Registered: ‎05-17-2011
0

Re: Two Chase cards, can I product change?

Yea I would call and ask about a rate decrease. I was under the impression that the lates were fairly recent. As for the PC, you can ask while your on the phone with them but it seems like Chase doesn't like to do them too often. 

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Valued Contributor
Posts: 1,072
Registered: ‎04-24-2008
0

Re: Two Chase cards, can I product change?

I had 3 Chase CCs and one of them was a Slate that's opened since 1999. I asked for months for a PC from Slate to Sapphire. My Slate CL was $8,600 and it had 15% util at the time. Chase refused the PC. They wanted me to apply for a Sapphire card and it would be a hard pull. I passed....

 

Please post if you were successful in getting the PC. I am dying to know, haha.

New Visitor
Posts: 3
Registered: ‎06-02-2011
0

d tRe: Two Chase cards, can I product change?

I would try sending a message through online, I was able to PC a non-rewards business card into the Ink Exclusives. 

Established Contributor
Posts: 519
Registered: ‎05-09-2008
0

Re: Two Chase cards, can I product change?

 


tntexans72 wrote:

I had 3 Chase CCs and one of them was a Slate that's opened since 1999. I asked for months for a PC from Slate to Sapphire. My Slate CL was $8,600 and it had 15% util at the time. Chase refused the PC. They wanted me to apply for a Sapphire card and it would be a hard pull. I passed....

 

Please post if you were successful in getting the PC. I am dying to know, haha.


They had the Slate back then? :smileysurprised:

American Express Blue Cash Everyday $6600
Barclays US Airways Premier World Mastercard $14500
Chase Sapphire Preferred $5000
Chase Freedom Visa $1000
Chase United Explorer $8500
Citi AAdvantage Platinum Select Visa Signature $7500
Citi ThankYou Premier World Mastercard $7500
New Visitor
Posts: 3
Registered: ‎06-02-2011
0

Re: Two Chase cards, can I product change?


aftermath wrote:

 


tntexans72 wrote:

I had 3 Chase CCs and one of them was a Slate that's opened since 1999. I asked for months for a PC from Slate to Sapphire. My Slate CL was $8,600 and it had 15% util at the time. Chase refused the PC. They wanted me to apply for a Sapphire card and it would be a hard pull. I passed....

 

Please post if you were successful in getting the PC. I am dying to know, haha.


They had the Slate back then? :smileysurprised:


No they didn't have Slate back then, but since they consolidated their card offerings, most everything is either Slate, Freedom, or Sapphire through one product discontinuation or another.

Established Contributor
Posts: 855
Registered: ‎06-29-2010
0

Re: Two Chase cards, can I product change?

I know the Mileage Plus cards are only PCable for other Mileage Plus cards because I called about that earlier this week.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.