topic Re: Funny..... in Credit Cards

Funny.....

Anonymous — Sat, 30 Jun 2012 05:56:34 GMT

So...when I started my journey back to Credit bliss....I began with Chase....I always regretted screwing over AMEX in my colllege years and when I began working in the corporate world it came to bite me in my ARSE. got denied for a corporate amex which was embarrasing....but at first as the dust was settling, chase gave me a chance.....

After a while and spending a god amount through chase....AMEX gave me a comeback...I paid old debt and was rewarded handsomely by them.....I now have 5 AMEX cards, including a plat....which serves me well since I travel weekly for my job.....and since, Chase has cut my credit limit from 5500 to 1500.....hardly usable on a work trip.....especially when I have a presumably unlimited Plat AMEX....I have tried to get their sapphire, which I think is one of the sexiest cards out there.. but they wont budge....I do love my AMEX's, but do get turned down in places that dont accept them all too often...

Point is....Chase is full of crap....everyone increased my CL while chase cut it...dont trust them....

Re: Funny.....

Anonymous — Sat, 30 Jun 2012 08:20:33 GMT

They gave u a chance to recover and extended you credit, now your bashing them? Gee...

Re: Funny.....

Repo-ed — Sat, 30 Jun 2012 10:40:29 GMT

@Anonymous wrote:
They gave u a chance to recover and extended you credit, now your bashing them? Gee...

Sort of my thoughts, as well.

Re: Funny.....

bettercreditguy1 — Sat, 30 Jun 2012 11:38:27 GMT

Chase has been very GOOD to me. I now have Freedom and SW Airlines Cards.

Re: Funny.....

Anonymous — Sat, 30 Jun 2012 14:09:01 GMT

@Anonymous wrote:
They gave u a chance to recover and extended you credit, now your bashing them? Gee...

+10

Re: Funny.....

CreditScholar — Sat, 30 Jun 2012 14:13:30 GMT

@Anonymous wrote:
@Anonymous wrote:
They gave u a chance to recover and extended you credit, now your bashing them? Gee...

+10

+100

Re: Funny.....

pokerpro — Sat, 30 Jun 2012 14:44:01 GMT

Chase Freedom has been good to us as well

10K limit at 10.99 Interest rate

Re: Funny.....

webhopper — Sat, 30 Jun 2012 18:05:00 GMT

Yep, I agree, you shouldn't bash them, they helped you get by while you worked on getting into the good graces of amex again

Re: Funny.....

android01 — Sat, 30 Jun 2012 21:23:13 GMT

I guess my question would be why Chase CLD'd you, especially so drastically? They normally don't do it without a good reason.

Re: Funny.....

laboi_22 — Sat, 30 Jun 2012 23:12:44 GMT

Although I understand that bashing a creditor who gave someone chances may be distasteful, I feel your pain OP. Chase can be SO SUPER conservative. I would recommend another lender such as BofA or Citi. Using an AMEX as primary does require you to carry back up cards, and you need comparable limits especially for work and travel. Chase is not the bank for you. I've been thinking about leaving the Chase family myself. The CL they have on my account right now is restrictive and conservative. I have excellent credit, and pay my bills in full all the time. I've never even carried a balance. It doesn't make sense that my JCP card is almost 5000, and Chase refuses to budge on a CL over 3000 for me. CRAZY so I understand your frustration!!

Re: Funny.....

Anonymous — Sun, 01 Jul 2012 04:18:28 GMT

I can see this from both sides of the fence but I do think your being a little bit harsh just becasue one card company has came full circle with you faster than the other dosen't necessarily mean that one is better or worse! I mean let's not forget who made the mistake first is all I'm saying!

Re: Funny.....

bettercreditguy1 — Sun, 01 Jul 2012 11:09:38 GMT

Are there other credit skeletons in your records? Things you are not disclosing here at My Fico Forums? You appear to be upset and/or angry that you are not getting your way. Perhaps you can see the other side of the fence. Credit is a priveledge, not a given. For the record Chase started me at $ 1500. and I got my FIRST CLI in 12 DAYS to $ 10,000.00. Yes, they do know how to make good business decisions. Remember the Three P's, Pay in full, Pay on time, and Patience. When you go above and beyond to take care of people to whom you are responsible, they will always return the RESPECT.

Re: Funny.....

Anonymous — Sun, 01 Jul 2012 19:04:40 GMT

I have had nothing but good experiences with Chase. I am curious as to why the CLD'd you though. I haven't known them to be conservative. Especially if you speak directly to an analyst.

Re: Funny.....

Anonymous — Mon, 02 Jul 2012 00:32:36 GMT

Something is missing here. Why would chase lower your CL? Any negatives? Either way, it's pretty ungrateful of you to bash the lender that helped you get back into the credit card game. It's not like you are entitled to credit.

Re: Funny.....

Anonymous — Mon, 02 Jul 2012 01:11:37 GMT

@Anonymous wrote:
Something is missing here. Why would chase lower your CL? Any negatives? Either way, it's pretty ungrateful of you to bash the lender that helped you get back into the credit card game. It's not like you are entitled to credit.

+10

Re: Funny.....

n777ua — Mon, 02 Jul 2012 04:03:03 GMT

Just my experience with Chase but I opened 3 accounts with them w/in 4 months with combined CL's of $26k. I like them.

Re: Funny.....

Anonymous — Mon, 02 Jul 2012 21:53:54 GMT

@bettercreditguy1 wrote:
Are there other credit skeletons in your records? Things you are not disclosing here at My Fico Forums? You appear to be upset and/or angry that you are not getting your way. Perhaps you can see the other side of the fence. Credit is a priveledge, not a given. For the record Chase started me at $ 1500. and I got my FIRST CLI in 12 DAYS to $ 10,000.00. Yes, they do know how to make good business decisions. Remember the Three P's, Pay in full, Pay on time, and Patience. When you go above and beyond to take care of people to whom you are responsible, they will always return the RESPECT.

Still waiting for this answer. He hasn't replied since his initial post.

Chase has also been good to me. I have 12k limits on 2 cards and I plan on getting another one with them. I worked hard to build up my credit to the point where I can get accepted for most loans. mortgages, and credit cards. Some people mistake credit as a status symbol you can attain overnight. Just because someone carries 1 prime card in their wallet, doesn't entitle them to any prime card out there. In my honest opinion, Chase did the right thing in this case.