topic Re: Throwing in the towel with Chase in Credit Card Applications

Throwing in the towel with Chase

Kathy4NU — Thu, 09 Apr 2015 20:38:26 GMT

I have two cards with Chase. Freedom and Disney. $1,000 & $3,000. Usually always PIF except when I get the special financing from a Disney trip. I have had both cards 2 years.

Called today to see about a CLI with the Freedom. This is my primary card due to the 5% catergories and always 2%. I usually have to pay it off once or twice mid cycle to free up space on it. My scores are in the low 700 except for TU which is 673. A few things have not updated on it TU yet. The guy I talk with at Chase says they need to pull a report. I asked which bureua as that will determine if I go ahead or not. He said EXPERIAN. I gave my ok. He ask how much I want, I tell him a total of $6,000. He immediately tells me I am declined due to too high of revolving balances. Hmmm. I said ok and knew right away I would call the back door to recon. This is what I had to do 2 years ago when I got the card. Hang up and see I have an alert. New Inq from TU!!!! Click and see it is Chase. Grrrr.

Call recon # and told same thing - to high balance on revolving. I explained that 2 of the cards were at 0% interest and the other 2 were in fact paid off. She said she is concerend about the Lowe's. Has $889 balance on $800 cl. I explained that it was at zero and that I ordered something and the sales person ordered wrong and than ordered the right but it put me over the limit but once the wrong came in they immediately credited my account and than I paid off what I really bought as I use the card for the 5% discount you get when buying (this is updated on EX and EQ). She asked permission to pull another report. I said no as the first guy told me he was pulling Experian and really pulled TU. She said they don't have control over what is pulled that the computer automatically does it. I told her no, don't pull again I don't want to rack up a bunch of inq. She said no one really looks at ing and you wouldn't get declined for having too many. I pointed out that when I first got the Freedom I was infact declined due to too many inq and I had to call and explain they were from mortgage shopping. She than said "Yes, they often decline for having too many ing." What??????? Did you just not tell me that ing don't matter. It was like talking in circles with her and the other guy.

Next she suggest I call back within 30 days and they can review again. I asked if this would involve another credit pull and she said "yes, but it wouldn't count as another." I asked how that would be and she said it would be within the same 30 days but they would pull from something other than TU. I politely declined and said I really do not want to rack up any more inq. She than said to wait 30 days as TU updates my file only once every 30 days. I corrected her and said , No TU updates as often as creditor tell them to. She said no, when we submit they just hold onto the data and do all updates just once a month. I informed her that I do have credit monitoring service and I get updates multiple times a week and sometimes within the same day. I gave the example that Chase updates on teh 5th of each month, Discover on the 8th and Lowe's on the 11th. She proceeded to tell me that I was wrong and she was an expert and that TU only updates a person's file once a month after they get all the information from the various creditors as it takes to long to update daily as the data becomes available.

GRRRR. I love my Freedome card but paying it multiple times a month is becoming a pain. What is the next best rewards card? I am done with Chase Freedom and need better go to card for daily spending.

Re: Throwing in the towel with Chase

Anonymous — Thu, 09 Apr 2015 20:45:18 GMT

Wow, they must be hiring their csr's from the dmv.

Re: Throwing in the towel with Chase

joedtx — Thu, 09 Apr 2015 20:45:21 GMT

@Kathy4NU wrote:
I have two cards with Chase. Freedom and Disney. $1,000 & $3,000. Usually always PIF except when I get the special financing from a Disney trip. I have had both cards 2 years.

Called today to see about a CLI with the Freedom. This is my primary card due to the 5% catergories and always 2%. I usually have to pay it off once or twice mid cycle to free up space on it. My scores are in the low 700 except for TU which is 673. A few things have not updated on it TU yet. The guy I talk with at Chase says they need to pull a report. I asked which bureua as that will determine if I go ahead or not. He said EXPERIAN. I gave my ok. He ask how much I want, I tell him a total of $6,000. He immediately tells me I am declined due to too high of revolving balances. Hmmm. I said ok and knew right away I would call the back door to recon. This is what I had to do 2 years ago when I got the card. Hang up and see I have an alert. New Inq from TU!!!! Click and see it is Chase. Grrrr.

Call recon # and told same thing - to high balance on revolving. I explained that 2 of the cards were at 0% interest and the other 2 were in fact paid off. She said she is concerend about the Lowe's. Has $889 balance on $800 cl. I explained that it was at zero and that I ordered something and the sales person ordered wrong and than ordered the right but it put me over the limit but once the wrong came in they immediately credited my account and than I paid off what I really bought as I use the card for the 5% discount you get when buying (this is updated on EX and EQ). She asked permission to pull another report. I said no as the first guy told me he was pulling Experian and really pulled TU. She said they don't have control over what is pulled that the computer automatically does it. I told her no, don't pull again I don't want to rack up a bunch of inq. She said no one really looks at ing and you wouldn't get declined for having too many. I pointed out that when I first got the Freedom I was infact declined due to too many inq and I had to call and explain they were from mortgage shopping. She than said "Yes, they often decline for having too many ing." What??????? Did you just not tell me that ing don't matter. It was like talking in circles with her and the other guy.

Next she suggest I call back within 30 days and they can review again. I asked if this would involve another credit pull and she said "yes, but it wouldn't count as another." I asked how that would be and she said it would be within the same 30 days but they would pull from something other than TU. I politely declined and said I really do not want to rack up any more inq. She than said to wait 30 days as TU updates my file only once every 30 days. I corrected her and said , No TU updates as often as creditor tell them to. She said no, when we submit they just hold onto the data and do all updates just once a month. I informed her that I do have credit monitoring service and I get updates multiple times a week and sometimes within the same day. I gave the example that Chase updates on teh 5th of each month, Discover on the 8th and Lowe's on the 11th. She proceeded to tell me that I was wrong and she was an expert and that TU only updates a person's file once a month after they get all the information from the various creditors as it takes to long to update daily as the data becomes available.

GRRRR. I love my Freedome card but paying it multiple times a month is becoming a pain. What is the next best rewards card? I am done with Chase Freedom and need better go to card for daily spending.

Sorry that happened to you Kathy4NU. The good news is with your current scores you do have options. I really am happy with Discover, but of course you have options everything from the BOA products, even Quicksilver gives back 1.5% on everything then there's Citi DC of course. I'd suggest you give it some thought and scutinize whomever you decide to app with because of course you deserve to be treated well.

Re: Throwing in the towel with Chase

Kathy4NU — Thu, 09 Apr 2015 21:46:25 GMT

I have a feeling that the DMV has a few higher IQ indivudals working for them compared to the two I talked with today.

I also have the Discover IT card. I do like the 5% from Chase a little better but not that much. I just asked for a CLI with my Discover card and with a soft pull was bumped up to $4250. This will become my everyday card. Freedom has a new residence in my sock draw.

We have a big 3 week trip planned to Alaska in June which will result in lots of restaurant charges... I was hoping to use the Freedom to really rack up some credit for future airline tickets. It looks like Discover also has 5% this quarter on eating out.

Re: Throwing in the towel with Chase

Anonymous — Thu, 09 Apr 2015 22:20:53 GMT

Oh good grief -- that must have been a frustrating phone call. The sad thing is that before I found MyFico, CSRs would tell me things and I would just take it as gospel because I didn't know any better. Maybe we should suggest that Chase CSRs join MyFico?

What about calling back and asking if you can apply for CSP? They are usually a minimum $5k limit and when I got my Freedom, they used they same pull for my CSP -- might be worth a shot since you've already taken the TU pull. BTW, I got my CSP with a pretty high SL ($24K) with a TU 687 -- your 673 is close. CSP doesn't have the 5% bonus categories, but you get 2% on dining all the time.

Re: Throwing in the towel with Chase

bigbang91 — Thu, 09 Apr 2015 22:42:41 GMT

You should contact Chase EO, have them review the request,ask if they can SP to see the update, or you can call recon again

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 00:21:14 GMT

Sorry bout the Chase nonsense. I would look into an Amex card. We just got both the ED and BCE for our day to day use. Your EX should be fine for a good starting CL. I however have read that Amex rewards and points lag by 2 statements so that may be of concern to you. just my $0.02, hope it helps.

Re: Throwing in the towel with Chase

Kathy4NU — Fri, 10 Apr 2015 12:55:09 GMT

Grrrr. I just received a myfico warning of a new inquiry. Chase did in fact pull Experian after I told them no to pulling a second report.

Why would they pull a second report? The lady asked permission and I told her NO I didn't want another one pulled. Damnit!

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 13:36:13 GMT

I am sorry for your trouble with Chase. Posts like this make me SO SO tempted to close my account with them. There is NO REASON what so ever for the, to be doing a hard pull. They can see the EXACT SAME info and entire report on a soft pull. Sometimes I honestly think they do it to purposely put a inquiry on your credit and to drop your score a few points. Amex does soft pulls and they are WAY more prime than Chase. Even Discover nowadays is doing soft pulls. Chase won't budge either. My GF mailed there Office of the President/CEO and even THEY said "It will place a hard check on your credit report". Chase is a joke. There "Lending Department" credit analysts are rude as you know what to. When I called them to verify my new account all I asked was for a extra $500 cause I was going to be using the card a lot and PIF and she said "Chase does not give more credit to PEOPLE in your credit case. I was like WOW you do not talk to ANY customer like that. You wanna make your customers fell welcomed and warm not like a piece of crap.

Re: Throwing in the towel with Chase

chalupaman — Fri, 10 Apr 2015 13:36:19 GMT

That sucks. I've never requested CLIs with Chase before and I guess this is the reason. I find it much easier to just app for new cards from them.

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 13:42:50 GMT

The bad thing with the second credit pull is Chase will use the excuse that "Since you authorized a credit check for a CLI we reserve the right to pull 1 or MULTIPLE CRA". I would steer clear of Chase. Call there EO and tell them you want that second pull reversed ASAP. You can escalate higher to. To the Office of the CEO/President. There ridiculous. I would also file a CFPB complaint if they refuse to remove. The CFPB has ALOT of power and in some cases compel or force companies to do something. They helped me in a fight with Verizon Wireless one time and I won. There service and the complaint is free for consumers.

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 13:58:52 GMT

I second the above. Definitely contact the EO. They can review the calls and should have the inq removed. Just went through this. Nice gentleman said it may take up to two months but it was gone within a week. Also received a confirmation letter.

Re: Throwing in the towel with Chase

Kathy4NU — Fri, 10 Apr 2015 14:05:45 GMT

I called the recon number AGAIN. The guy I talked to was really nice and said he can see where I said No to a second pull and that he would submit a request to have it removed. I will give it a week and call back if it is not removed. I really really really think that they think that we as customers are not educated when it comes to credit. The guy today 'got it' but the two idiots yesterday obviously needs to join myFico to learn a little bit. The lady actually told me I was wrong and she was an expert. Guess she also thought I would never find out about her pulling Experian on me. It did drop my score by 2. I am heavy on inq right now but come May 22 I drop over 15 of them (from mortgage shopping).

I did ask the guy today about an app for the Saphire card using the current 2 pulls they did yesterday. He said they can't. Each app has to be it's own pull. They really do like to play hardball. I declined.

Both Freedom & Disney were removed from my purse today. I was tempted to get the Southwest as I fly them once or twice a month. Not now. Disney has been at zero balance, I paid off Freedom this morning (third time this billing period). I have myFico auto billing to Freedom. Will change that this morning to Discover. According to my last 3 Freedom statements I put a little ver $3,000 through the $1,000 card each montha and always PIF every 7 to 10 days. Hello Discover!

I won't do business with companies that have poor customer servive and treat their customers as insignificant.

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 14:18:56 GMT

I'm glad you got someone more cooperative and that he's going to try to get the Experian pull removed, But...he's not well informed or being completely truthful either because I just got my Freedom about 3 weeks ago and they pulled both TU and Experian (saw them immediately). Later that afternoon I applied for CSP, was approved and no additional pulls. Sounds like you are making the right decision to SD the Chase cards and move on to a company that will treat you like a customer, not an uninformed nuisance. I think you should send a message or write a letter telling the head office of your experience and that you're moving your business to Discover. Who knows, maybe they'll reach out and try to win you back. If not, you've got Discover and can leave Chase in the dust.

Re: Throwing in the towel with Chase

Anonymous — Fri, 10 Apr 2015 14:57:15 GMT

@Anonymous wrote:
I'm glad you got someone more cooperative and that he's going to try to get the Experian pull removed, But...he's not well informed or being completely truthful either because I just got my Freedom about 3 weeks ago and they pulled both TU and Experian (saw them immediately). Later that afternoon I applied for CSP, was approved and no additional pulls. Sounds like you are making the right decision to SD the Chase cards and move on to a company that will treat you like a customer, not an uninformed nuisance. I think you should send a message or write a letter telling the head office of your experience and that you're moving your business to Discover. Who knows, maybe they'll reach out and try to win you back. If not, you've got Discover and can leave Chase in the dust.

Or at least ask for if you qualify for a Slate with a higher limit -- don't let those hard pulls go to waste without a fight.

Re: Throwing in the towel with Chase

joedtx — Fri, 10 Apr 2015 17:10:05 GMT

@Kathy4NU wrote:
I called the recon number AGAIN. The guy I talked to was really nice and said he can see where I said No to a second pull and that he would submit a request to have it removed. I will give it a week and call back if it is not removed. I really really really think that they think that we as customers are not educated when it comes to credit. The guy today 'got it' but the two idiots yesterday obviously needs to join myFico to learn a little bit. The lady actually told me I was wrong and she was an expert. Guess she also thought I would never find out about her pulling Experian on me. It did drop my score by 2. I am heavy on inq right now but come May 22 I drop over 15 of them (from mortgage shopping).

I did ask the guy today about an app for the Saphire card using the current 2 pulls they did yesterday. He said they can't. Each app has to be it's own pull. They really do like to play hardball. I declined.

Both Freedom & Disney were removed from my purse today. I was tempted to get the Southwest as I fly them once or twice a month. Not now. Disney has been at zero balance, I paid off Freedom this morning (third time this billing period). I have myFico auto billing to Freedom. Will change that this morning to Discover. According to my last 3 Freedom statements I put a little ver $3,000 through the $1,000 card each montha and always PIF every 7 to 10 days. Hello Discover!

I won't do business with companies that have poor customer servive and treat their customers as insignificant.

Just wanted to mention that you can ask Discover for another CLI, 3 months from your most recent CLI it will give you a little more breathing space along with it will not be a hard pull. I think you'll find Discover rewarding over time.

~all the best

Re: Throwing in the towel with Chase

jamesdwi — Fri, 10 Apr 2015 20:14:03 GMT

with Chase you have to go about it backwards, don't ask for HP CLI's, apply for another card, CSP for example, minimum approval is 5k, and they will give you $400 for doing it, after a few months, you can move some of your CL to the freedom card, and in the mean time you can transfer some spend to the CSP card, and get the same base rewards for non-catagorie spend, and 2% on travel and dining. You can also try for their Southwest card, get 40k miles for doing, and move CL to your other cards, keep it for 6-12 months close, after moving CL to your other cards. Approvals are much easier than CLI's with chase.

Re: Throwing in the towel with Chase

FocusedAndDetermined — Fri, 10 Apr 2015 23:30:16 GMT

@Kathy4NU wrote:
I called the recon number AGAIN. The guy I talked to was really nice and said he can see where I said No to a second pull and that he would submit a request to have it removed. I will give it a week and call back if it is not removed. I really really really think that they think that we as customers are not educated when it comes to credit. The guy today 'got it' but the two idiots yesterday obviously needs to join myFico to learn a little bit. The lady actually told me I was wrong and she was an expert. Guess she also thought I would never find out about her pulling Experian on me. It did drop my score by 2. I am heavy on inq right now but come May 22 I drop over 15 of them (from mortgage shopping).

I did ask the guy today about an app for the Saphire card using the current 2 pulls they did yesterday. He said they can't. Each app has to be it's own pull. They really do like to play hardball. I declined.

Both Freedom & Disney were removed from my purse today. I was tempted to get the Southwest as I fly them once or twice a month. Not now. Disney has been at zero balance, I paid off Freedom this morning (third time this billing period). I have myFico auto billing to Freedom. Will change that this morning to Discover. According to my last 3 Freedom statements I put a little ver $3,000 through the $1,000 card each montha and always PIF every 7 to 10 days. Hello Discover!

I won't do business with companies that have poor customer servive and treat their customers as insignificant.

The only positive outcome I experienced with Chase was the removal of an unathorized HP, which ocurred under a similar circumstance. The removal was quick and without hassle.

Other than that I have nothing positive to say about Chase. The perks I receive from banking with PNC are far superior to anything offered by Chase and I have found credit cards with other lenders that suit my needs and wants.

Re: Throwing in the towel with Chase

Anonymous — Tue, 28 Apr 2015 21:16:21 GMT

@Kathy4NU wrote:
I have two cards with Chase. Freedom and Disney. $1,000 & $3,000. Usually always PIF except when I get the special financing from a Disney trip. I have had both cards 2 years.

Called today to see about a CLI with the Freedom. This is my primary card due to the 5% catergories and always 2%. I usually have to pay it off once or twice mid cycle to free up space on it. My scores are in the low 700 except for TU which is 673. A few things have not updated on it TU yet. The guy I talk with at Chase says they need to pull a report. I asked which bureua as that will determine if I go ahead or not. He said EXPERIAN. I gave my ok. He ask how much I want, I tell him a total of $6,000. He immediately tells me I am declined due to too high of revolving balances. Hmmm. I said ok and knew right away I would call the back door to recon. This is what I had to do 2 years ago when I got the card. Hang up and see I have an alert. New Inq from TU!!!! Click and see it is Chase. Grrrr.

Call recon # and told same thing - to high balance on revolving. I explained that 2 of the cards were at 0% interest and the other 2 were in fact paid off. She said she is concerend about the Lowe's. Has $889 balance on $800 cl. I explained that it was at zero and that I ordered something and the sales person ordered wrong and than ordered the right but it put me over the limit but once the wrong came in they immediately credited my account and than I paid off what I really bought as I use the card for the 5% discount you get when buying (this is updated on EX and EQ). She asked permission to pull another report. I said no as the first guy told me he was pulling Experian and really pulled TU. She said they don't have control over what is pulled that the computer automatically does it. I told her no, don't pull again I don't want to rack up a bunch of inq. She said no one really looks at ing and you wouldn't get declined for having too many. I pointed out that when I first got the Freedom I was infact declined due to too many inq and I had to call and explain they were from mortgage shopping. She than said "Yes, they often decline for having too many ing." What??????? Did you just not tell me that ing don't matter. It was like talking in circles with her and the other guy.

Next she suggest I call back within 30 days and they can review again. I asked if this would involve another credit pull and she said "yes, but it wouldn't count as another." I asked how that would be and she said it would be within the same 30 days but they would pull from something other than TU. I politely declined and said I really do not want to rack up any more inq. She than said to wait 30 days as TU updates my file only once every 30 days. I corrected her and said , No TU updates as often as creditor tell them to. She said no, when we submit they just hold onto the data and do all updates just once a month. I informed her that I do have credit monitoring service and I get updates multiple times a week and sometimes within the same day. I gave the example that Chase updates on teh 5th of each month, Discover on the 8th and Lowe's on the 11th. She proceeded to tell me that I was wrong and she was an expert and that TU only updates a person's file once a month after they get all the information from the various creditors as it takes to long to update daily as the data becomes available.

GRRRR. I love my Freedome card but paying it multiple times a month is becoming a pain. What is the next best rewards card? I am done with Chase Freedom and need better go to card for daily spending.

Hmmmmmmmmmmmmmmmmm, is it me or Kathy are you just having the time of your life with your creditors. First it was Capital One (Who you HATE). Now, you HATE Chase. Who's next Citi??? Luck doesn't seem to be on your side or you're just ranting off on every bank that gives you lip service.

Time for a martini or a glass of wine to chillax.

Time to update your signature too - 2012 and 2013 want their numbers back.

Re: Throwing in the towel with Chase

Anonymous — Tue, 28 Apr 2015 21:23:51 GMT

@Kathy4NU wrote:
I called the recon number AGAIN. The guy I talked to was really nice and said he can see where I said No to a second pull and that he would submit a request to have it removed. I will give it a week and call back if it is not removed. I really really really think that they think that we as customers are not educated when it comes to credit. The guy today 'got it' but the two idiots yesterday obviously needs to join myFico to learn a little bit. The lady actually told me I was wrong and she was an expert. Guess she also thought I would never find out about her pulling Experian on me. It did drop my score by 2. I am heavy on inq right now but come May 22 I drop over 15 of them (from mortgage shopping).

I did ask the guy today about an app for the Saphire card using the current 2 pulls they did yesterday. He said they can't. Each app has to be it's own pull. They really do like to play hardball. I declined.

Both Freedom & Disney were removed from my purse today. I was tempted to get the Southwest as I fly them once or twice a month. Not now. Disney has been at zero balance, I paid off Freedom this morning (third time this billing period). I have myFico auto billing to Freedom. Will change that this morning to Discover. According to my last 3 Freedom statements I put a little ver $3,000 through the $1,000 card each montha and always PIF every 7 to 10 days. Hello Discover!

I won't do business with companies that have poor customer servive and treat their customers as insignificant.

Discover is good and Amex is awesome!

Not sure why CHASE is #7 on this list with the way they treated you today.