topic Re: I'm done with Chase. in Credit Cards

I'm done with Chase.

boomhower — Wed, 29 Feb 2012 01:15:07 GMT

I have a Freedom card that PC'd from an old Providian account. Evidently they don't like that. My CL has been stuck at $1k since they have had it. APR stuck at 28.24%(odd huh) I've never been late with them or when it was with Providian. I burned a HP for a CLI. Got a whopping $500. Called about my APR, nothing. My FICO's are low 700's with no CC lates. The only derogs are two collections from 6 years ago. They were my daily back-up to Amex. No more. I'll take .25% on Discover just out of spite. I'll still use it for 5% and their ultimate rewards online store for 5-20% deals but they will not get any normal 1% usage from me, I'd rather use my debit card. The thing got heavy heavy usage too. Their loss.

Re: I'm done with Chase.

Anonymous — Wed, 29 Feb 2012 01:29:00 GMT

You could always switch to hard-copy statements.

Re: I'm done with Chase.

Anonymous — Wed, 29 Feb 2012 03:42:07 GMT

@Anonymous wrote:
You could always switch to hard-copy statements.

Or perhaps also doing your payments from on-line bill pay like $5 a day from different banks. See if you can break a limit in the maximum number of payments

Then start a blog for rallying anti-chase customers together.

Re: I'm done with Chase.

clocktick — Wed, 29 Feb 2012 04:15:23 GMT

I've read you can have more than one Freedom card. Maybe if you applied for another "real" originating Chase Freedom, it would be better. Or not. Maybe they don't like your derogs? You'd rather use your debit than the Freedom? Is it because of the HP?

Re: I'm done with Chase.

LS2982 — Wed, 29 Feb 2012 11:02:43 GMT

@boomhower wrote:
I have a Freedom card that PC'd from an old Providian account. Evidently they don't like that. My CL has been stuck at $1k since they have had it. APR stuck at 28.24%(odd huh) I've never been late with them or when it was with Providian. I burned a HP for a CLI. Got a whopping $500. Called about my APR, nothing. My FICO's are low 700's with no CC lates. The only derogs are two collections from 6 years ago. They were my daily back-up to Amex. No more. I'll take .25% on Discover just out of spite. I'll still use it for 5% and their ultimate rewards online store for 5-20% deals but they will not get any normal 1% usage from me, I'd rather use my debit card. The thing got heavy heavy usage too. Their loss.

This is more than likely what is holding you back from higher CLI's. Try gardening the account for a year. Give it good usgae/payment history and you can either wait until the collections drop off in a year or try to resolve them with PFD's if not paid or GW's if paid.

Re: I'm done with Chase.

Anonymous — Wed, 29 Feb 2012 11:21:40 GMT

hey if i where you i would consolidate that cl i had an old wamu card with the same deal as you. had a 1k cl and when it went to chase it was 27% had them send the 1k over to my amazon and now my amazon is at 2.8k

Re: I'm done with Chase.

boomhower — Wed, 29 Feb 2012 12:58:29 GMT

@LS2982 wrote:
@boomhower wrote:
I have a Freedom card that PC'd from an old Providian account. Evidently they don't like that. My CL has been stuck at $1k since they have had it. APR stuck at 28.24%(odd huh) I've never been late with them or when it was with Providian. I burned a HP for a CLI. Got a whopping $500. Called about my APR, nothing. My FICO's are low 700's with no CC lates. The only derogs are two collections from 6 years ago. They were my daily back-up to Amex. No more. I'll take .25% on Discover just out of spite. I'll still use it for 5% and their ultimate rewards online store for 5-20% deals but they will not get any normal 1% usage from me, I'd rather use my debit card. The thing got heavy heavy usage too. Their loss.

This is more than likely what is holding you back from higher CLI's. Try gardening the account for a year. Give it good usgae/payment history and you can either wait until the collections drop off in a year or try to resolve them with PFD's if not paid or GW's if paid.

I agree, it probably is. If they are that hung up over something that old then I'll take my business somewhere else. Amex didn't mind. Discover didn't mind. I have given the card heavy use for the two years they have had it and have never missed a payment. I have shown them I pay my credit cards.

As for the collections, I won't pay them. One the business has went out of business and they other is 2.5x what I actually owe. I tried paying what I owed at the time and they refused, I won't pay something I don't owe just on principle.

Re: I'm done with Chase.

frogfan12 — Fri, 02 Mar 2012 13:26:45 GMT

Leave Chase behind. They're prime but I don't like how they treat their customers. I've been a non-Chase customer for over a year now and I couldn't be happier.

Re: I'm done with Chase.

lithium78 — Sat, 03 Mar 2012 14:20:59 GMT

@frogfan12 wrote:
Leave Chase behind. They're prime but I don't like how they treat their customers. I've been a non-Chase customer for over a year now and I couldn't be happier.

I used to have my accounts with WaMu back in the day, but when Chase took over it was a huge mess. I had just moved for a new job, so money was tight, and Chase would purposefully hold my checking account transactions for days in an attempt to trick me into overdrawing so they could charge me NSF fees. They were really sneaky about it. Needless to say, I closed my accounts and took them elsewhere and they lost out on a lot of deposits and interchange fees because they decided to screw with me. I won't do any kind of business with Chase. I don't even like it when people give me Chase gift cards.

Re: I'm done with Chase.

LS2982 — Sat, 03 Mar 2012 14:27:52 GMT

@boomhower wrote:
@LS2982 wrote:
@boomhower wrote:
I have a Freedom card that PC'd from an old Providian account. Evidently they don't like that. My CL has been stuck at $1k since they have had it. APR stuck at 28.24%(odd huh) I've never been late with them or when it was with Providian. I burned a HP for a CLI. Got a whopping $500. Called about my APR, nothing. My FICO's are low 700's with no CC lates. The only derogs are two collections from 6 years ago. They were my daily back-up to Amex. No more. I'll take .25% on Discover just out of spite. I'll still use it for 5% and their ultimate rewards online store for 5-20% deals but they will not get any normal 1% usage from me, I'd rather use my debit card. The thing got heavy heavy usage too. Their loss.

This is more than likely what is holding you back from higher CLI's. Try gardening the account for a year. Give it good usgae/payment history and you can either wait until the collections drop off in a year or try to resolve them with PFD's if not paid or GW's if paid.
I agree, it probably is. If they are that hung up over something that old then I'll take my business somewhere else. Amex didn't mind. Discover didn't mind. I have given the card heavy use for the two years they have had it and have never missed a payment. I have shown them I pay my credit cards.

As for the collections, I won't pay them. One the business has went out of business and they other is 2.5x what I actually owe. I tried paying what I owed at the time and they refused, I won't pay something I don't owe just on principle.

Why not dispute them?? You have a great chance of them removing because they cant verify.

Also, I don't blame you if you leave Chase behind, 2 years of good history should mean something!

Re: I'm done with Chase.

Anonymous — Sat, 03 Mar 2012 16:27:37 GMT

If there's no love from Chase by August, it'll end up my sock-drawer.

Re: I'm done with Chase.

LS2982 — Sat, 03 Mar 2012 16:29:01 GMT

@Anonymous wrote:
If there's no love from Chase by August, it'll end up my sock-drawer.

I should take this thread as leave them alone until next year.

Re: I'm done with Chase.

Anonymous — Sat, 03 Mar 2012 16:35:28 GMT

I'm not taking an HP for CLI, LOL!

A card that doesn't grow with regular use and on-time payment is only good for utilization.

The Freedom basically backs up my BCP. I'd hate swapping cash back for points but USAA would likely grow faster.