topic Re: Chase Reallocation Call and... in Credit Cards

Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 03:30:36 GMT

Decided just now to call Chase to move CL from my pretty much useless Marriott (to me now) and put it on Amazon and AARP as I use extensively.

Asked to move $3k to AARP making it $7500 and

Move $1k to Amazon Visa making it $5500

leaving $5k on Marriott

She sounded like she did the AARP move and was "checking" something as I debating for a 2nd but then said yes just move the $1k to amazon leaving the $5k on Marriott...

she said so actually I need to get you to another department to process this and they are closed today, can you call back tomorrow to complete.

I said and what department is this? (I have helped my partner move CL's a couple times now and it's instant and with customer service so I instantly did an "oh no, what" outloud on the phone!)

she said "Lending"

I said... hmmm... ummm... so everything is the same and fine right now but I need to talk to lending if I want to move CL's?

she said yes.

I did check and as of right now I still show all my available credit and no blocks on any of my credit accounts but I think I will avoid that call unless something changes on my accounts!!!

Re: Chase Reallocation Call and...

Anonymous — Fri, 28 Nov 2014 04:05:13 GMT

I move credit lines/ relocate among my chase cards all the time. I do it with lending services, as they generally have to do a soft pull to make sure your in good standing

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 04:09:27 GMT

That scares me that a 2nd look at someone conservative go "omg, 3 accounts in 3 months, what and how did this happen... Close!"

Re: Chase Reallocation Call and...

B335is — Fri, 28 Nov 2014 04:10:18 GMT

CA,

When I reallocated CSP/Freedom last week they transferred me to Underwriting. They advised they do a soft pull on CR (the CSR said it was hard pull), but it sounds right.

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 04:12:37 GMT

So should I do it and not think crazy things... They are just making sure all is current

Re: Chase Reallocation Call and...

Anonymous — Fri, 28 Nov 2014 04:13:42 GMT

@B335is wrote:
CA,

When I reallocated CSP/Freedom last week they transferred me to Underwriting. They advised they do a soft pull on CR (the CSR said it was hard pull), but it sounds right.

Interesting..

Re: Chase Reallocation Call and...

B335is — Fri, 28 Nov 2014 04:19:33 GMT

@Creditaddict wrote:
So should I do it and not think crazy things... They are just making sure all is current

That's your call. After GTE I'm not telling you what to do anymore

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 04:24:25 GMT

Haha
That worked out better than most, he removed the hp on his suggestion! I still have a double pull for Bloomingdales but of course it is EQ and they don't do legal!

Re: Chase Reallocation Call and...

Anonymous — Fri, 28 Nov 2014 04:30:01 GMT

@Creditaddict wrote:
Haha
That worked out better than most, he removed the hp on his suggestion! I still have a double pull for Bloomingdales but of course it is EQ and they don't do legal!

Wait what? They HP'd you?

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 04:39:46 GMT

Gte? Yes and denied me for to many Inq on Chex systems.

Re: Chase Reallocation Call and...

Anonymous — Fri, 28 Nov 2014 04:41:50 GMT

@Creditaddict wrote:
Gte? Yes and denied me for to many Inq on Chex systems.

Yuck.

I also got denied for a Discover Checking for too many INQ on Chex.

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 04:44:37 GMT

The last guy I felt with was great and said he would override and open the account but I told him I was only interested in credit and based on the conservative issues I had with a savings account I didn't think that was good idea and he said he would remove the hp and he sent me a letter to do so stating they pulled in error!!

Re: Chase Reallocation Call and...

Creditaddict — Fri, 28 Nov 2014 18:47:52 GMT

Called in this morning and got transferred to lending... she asked what I wanted to do put me on hold for 1 minute and came back and said it was complete and effective immediately!
new credit line 7500 AARP
5000 Amazon
5000 Marriott
no upgrade to signature

Re: Chase Reallocation Call and...

Luscher — Fri, 28 Nov 2014 20:17:02 GMT

I normally just SM them and they do it no problem, no hard pull

Re: Chase Reallocation Call and...

Anonymous — Sat, 29 Nov 2014 20:02:44 GMT

Just received the message from Chase that they can't transfer the entire CL of my CSP to my Freedom. However, they have left $500 untouched and transferred all the remainder to my Freedom which has now a total CL of $20k ;-)

Re: Chase Reallocation Call and...

vwhirlwind — Sat, 29 Nov 2014 20:06:02 GMT

Watch the account with the $500 CL; they may post one last interest charge, which is probably why they leave the $500 on there.

Re: Chase Reallocation Call and...

Anonymous — Sun, 30 Nov 2014 05:17:28 GMT

@vwhirlwind wrote:
Watch the account with the $500 CL; they may post one last interest charge, which is probably why they leave the $500 on there.

Well I never paid a penny in credit card interest in my life. Other than that I haven't spend a penny with the CSP in months that's why I'm closing it.