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Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012

Re: should I open a chase account?

Good call on firing BoA.  I've never had them, but I have heard way too many negative thiings about them to even consider them

Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: should I open a chase account?


ccnewcc wrote:

Good call on firing BoA.  I've never had them, but I have heard way too many negative thiings about them to even consider them


yea pretty much only reason why I held on this long was 1. I was in chexsystems so I couldn't open another one 2. I was fighting bad marks on my credit so I possibly needed old statement copies just in case for documentable proof. 3. Their online banking is nice 

 

Why I want to get rid of them. 1. customer service is poor 2. $8 for a cashiers check are you fken kidding me? 3. always looking for new charges 4. usally little to no grace periods on their credit cards 5. they DENIED me for a secured credit card last year 6. They call the SWAT team on their customers for trying to close their accounts -_-;  list goes on.

 

Personally I'm sure that Bank of America is bankrupt but is doing things like banks in Japan did in the lost decade about lying about their losses in the early 90's to stay afloat. 

 

 


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
creditnocash
Posts: 2,172
Registered: ‎07-23-2012

Re: should I open a chase account?

i put 20 dollars in my boa account everymonth to pay for my gym membership and thats it... 

 

 

im thinking about opening a chase account to get the 10/10 deal but is it still good withought the other card? ie. the trifecta. 

so i have the freedom and if i have an account i still get 10cents per swipe? 

 

i get the same thing right now on my citizens card..... 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012

Re: should I open a chase account?


creditnocash wrote:

i put 20 dollars in my boa account everymonth to pay for my gym membership and thats it... 

 

 

im thinking about opening a chase account to get the 10/10 deal but is it still good withought the other card? ie. the trifecta. 

so i have the freedom and if i have an account i still get 10cents per swipe? 

 

i get the same thing right now on my citizens card..... 


you get 10% of what every the purchase was plus 10 points per swipe


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Valued Contributor
kevinjjc
Posts: 1,296
Registered: ‎01-14-2009

Re: should I open a chase account?

I opened a Chase checking account for the 10/10 perk and $200 opening bonus. Since I'm prior military, I got upgraded to the Chase Premier Plus checking, and I don't need to meet any requirements to avoid monthly fees. My primary checking account is still with USAA.
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: should I open a chase account?

I've had my Chase accounts since the conversion of WaMu. It never helped me get in better with them in respect to their credit cards--applied several times and was denied. I got in with them due to having matured my credit file. I don't believe me having an account with them maximized my chances at all. In fact, when I applied for the Chase Freedom, I used the long application. Lol.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

Re: should I open a chase account?

Wow never had any issues with BofA. They are actually my favor bank atm. Also I just open a chase banking account last week online ,and they tried to get me to apply for freedom. But I am waiting for a few months so I can try to leverage the checking account and cashflow if freedom gets denied. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!



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