topic Re: Chase cards… in Credit Cards

Chase cards…

afbar1114 — Thu, 24 Jan 2013 20:10:28 GMT

What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?

Re: Chase cards…

Anonymous — Thu, 24 Jan 2013 20:13:04 GMT

They are Prime cards. Usually getting one means that you can consider your credit "OK!" or better.

At least, thats how I feel about them.

Re: Chase cards…

Anonymous — Thu, 24 Jan 2013 20:15:03 GMT

@afbar1114 wrote:
What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?

The ultimate rewards program is pretty good. I have the old 10 &10 program and I get pretty good points with the Trifecta.

Re: Chase cards…

daybreakgonesXe — Thu, 24 Jan 2013 20:59:42 GMT

@afbar1114 wrote:
What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?

Also love the 5x rotating categories on Freedom, and with CSP you can combine the 5x from Freedom, transfer them to CSP, then further maximize the rewards by transferring them to hotel/airline points!

Re: Chase cards…

nickn86 — Thu, 24 Jan 2013 21:26:02 GMT

Ultimate Rewards is probably the best and most flexible points system out there right now. High sign-up bonuses with low annual fees. Probably gives the highest starting limits outside of credit unions. A couple of their cards are metal (hey, people are superficial).

Sapphire/Ink/Freedom paired together can bring in a ridiculous amount of reward points. I want all 3, but I'm gonna have to wait a while.

Re: Chase cards…

kwinks — Thu, 24 Jan 2013 23:28:52 GMT

Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.

Re: Chase cards…

visorboy1974 — Thu, 24 Jan 2013 23:52:07 GMT

Customer service is top notch.

Re: Chase cards…

afbar1114 — Fri, 25 Jan 2013 00:01:05 GMT

@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.

I don't like boa any more their site is a pain in the *** I am getting rid of them as soon as I can....I am sticking with chase for every thing now

Re: Chase cards…

Imua — Fri, 25 Jan 2013 05:41:30 GMT

@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.

i have no trouble paying BofA online
just curious - does your computer have a particular problem/issue with the BofA website?

i agree that chase has great customer service

Re: Chase cards…

Revelate — Fri, 25 Jan 2013 05:48:20 GMT

@afbar1114 wrote:
@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.
I don't like boa any more their site is a pain in the *** I am getting rid of them as soon as I can....I am sticking with chase for every thing now

You may want / need a diversity of lenders in the future. Trying incredibly hard not to get on my soapbox, but I'd point out you may be disavantaging yourself by this approach of kicking every institution you dislike in the slighest to the curb... you can't approach relationships like that and expect to get much of anywhere, perfect does not exist.

I can pretty much guaruntee Chase will annoy you at some point in the future as well.

Re: Chase cards…

jefftca925 — Fri, 25 Jan 2013 07:04:43 GMT

I've been with Chase for going on 5 years now and have had very good customer service with them. I use them for my main checking account, have a savings, my mortgage and 5 CCs. The UR program is excellent and the CSP card gives Amex a run for their money. It's hard nowadays to find a big bank that does a lot of good things right!

Re: Chase cards…

chnceit — Fri, 25 Jan 2013 07:50:06 GMT

I like the rewards of the CSP as well as the sign up bonus. The rate is good, but not great. Also the look of the CSP is cool and made out of metal

Re: Chase cards…

bmd0224 — Fri, 25 Jan 2013 13:34:31 GMT

@afbar1114 wrote:
What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?

Agreed about customer service being great! You can also switch around credit limits after having the card for a matter of a few months whereas other lenders make you wait 13 months if I'm not mistaken. Get the CSP, you can't go wrong! Plus no Foreign Transaction Fees.

Re: Chase cards…

afbar1114 — Fri, 25 Jan 2013 13:40:16 GMT

@bmd0224 wrote:
@afbar1114 wrote:
What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?
Agreed about customer service being great! You can also switch around credit limits after having the card for a matter of a few months whereas other lenders make you wait 13 months if I'm not mistaken. Get the CSP, you can't go wrong! Plus no Foreign Transaction Fees.

I just got the CSP as well as united both $5k limits

Re: Chase cards…

youngandcreditwrthy — Fri, 25 Jan 2013 14:30:42 GMT

Freedom has one of the better cashback programs, plus I bank with Chase. The second I click "submit" when making a payment, it is reflected in my bank account and avail cred.
Also, 0% for bts and prchses for 15 months ?!?! Can't go wrong!!

Re: Chase cards…

09Lexie — Fri, 25 Jan 2013 19:51:54 GMT

@Revelate wrote:
@afbar1114 wrote:
@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.
I don't like boa any more their site is a pain in the *** I am getting rid of them as soon as I can....I am sticking with chase for every thing now
You may want / need a diversity of lenders in the future. Trying incredibly hard not to get on my soapbox, but I'd point out you may be disavantaging yourself by this approach of kicking every institution you dislike in the slighest to the curb... you can't approach relationships like that and expect to get much of anywhere, perfect does not exist.

I can pretty much guaruntee Chase will annoy you at some point in the future as well.

Revelate makes an excellent point regarding diversity. There was a post a few months ago regarding Chase closing all of the posters CL. From what I remember the poster also had business accounts (Ink and bank accounts) they were affected as well. Later, they did return some CL but not at all or they were reduced.

YMMV

Re: Chase cards…

afbar1114 — Sat, 26 Jan 2013 05:29:02 GMT

@09Lexie wrote:
@Revelate wrote:
@afbar1114 wrote:
@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.
I don't like boa any more their site is a pain in the *** I am getting rid of them as soon as I can....I am sticking with chase for every thing now
You may want / need a diversity of lenders in the future. Trying incredibly hard not to get on my soapbox, but I'd point out you may be disavantaging yourself by this approach of kicking every institution you dislike in the slighest to the curb... you can't approach relationships like that and expect to get much of anywhere, perfect does not exist.

I can pretty much guaruntee Chase will annoy you at some point in the future as well.

Revelate makes an excellent point regarding diversity. There was a post a few months ago regarding Chase closing all of the posters CL. From what I remember the poster also had business accounts (Ink and bank accounts) they were affected as well. Later, they did return some CL but not at all or they were reduced.

YMMV

there has to be alot more to that story then what was told...he may not have been good with limits or payments or bank accounts..who knows

Re: Chase cards…

SamsungHDTV — Sat, 26 Jan 2013 06:57:18 GMT

@afbar1114 wrote:
@bmd0224 wrote:
@afbar1114 wrote:
What is it about chase credit cards that people want them so bad? It seems the csp and freedom are the most wanted cards. Why is this?
Agreed about customer service being great! You can also switch around credit limits after having the card for a matter of a few months whereas other lenders make you wait 13 months if I'm not mistaken. Get the CSP, you can't go wrong! Plus no Foreign Transaction Fees.
I just got the CSP as well as united both $5k limits

afbar, why CSP and United? Unless you travel United frequently, and bring lots of luggage, I don't see the point of having both.

Re: Chase cards…

kwinks — Tue, 29 Jan 2013 01:10:27 GMT

@Imua wrote:
@kwinks wrote:
Also customer service is really great! I have never had one issue with them vs say Bank of America cash rewards which is a pain to pay every month because I can't do it online.
i have no trouble paying BofA online
just curious - does your computer have a particular problem/issue with the BofA website?

i agree that chase has great customer service

no my account just won't let me do it. I have tried on my phone/tablet/computer and it won't let me. Called customer service and they keep saying that they fixed the problem but I still can't do it, even after being with them for a year. But now that I got the csp and amex bcp I am no longer planning to use bofa

Re: Chase cards…

Anonymous — Tue, 29 Jan 2013 01:44:30 GMT

Just got denied for chase freedom today with 718 fico 1% utl i dont know why i guess but some ppl do get approved