topic Re: Chase Help!!! in Credit Cards

Chase Help!!!

solid07 — Thu, 28 Feb 2008 01:34:29 GMT

Chase approved me for 400 dollars at 22%, what should I do ask for somtthing better, keep it, or let it go before I get th card!!!!

Re: Chase Help!!!

dangphuocloc72 — Thu, 28 Feb 2008 01:40:42 GMT

I know Chase is prime . but $400 I'll not take it . Did you try call them yet ? and what is your score May I ask ? solid07 , thanks a lot

Re: Chase Help!!!

pattycake — Thu, 28 Feb 2008 01:41:20 GMT

Keep it, pay it on time and you'll start to get CLIs. I got my first one after about three months from $200 to $300, asked for an increase (hard INQ) to $1000 and got it (after six months). Then just two weeks ago, I pulled up my account online and got a $2700 unsolicited CLI. Hang in there, I love my Chase Rewards card.

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 01:44:40 GMT

So I should call them?

Re: Chase Help!!!

Red1Blue — Thu, 28 Feb 2008 01:46:25 GMT

Now that you are approved, if you dont take the card it would still report on your CR. Just take the card and make the payments on time and keep asking for the CLI's. I am sure they would give you good CLI soon. It is a good way to start out.

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 01:46:51 GMT

Calling them never hurts. At least you'll have all the info you need to make an informed decision.

Re: Chase Help!!!

dangphuocloc72 — Thu, 28 Feb 2008 01:48:24 GMT

wait your card come then call them ask more . last time I did for my mother inlaw ( Citicard :they approve 4k ) when the card come I call them for her , Then they gave her 10k.

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 01:52:08 GMT

Congrats solid! A PRIME card to have. And it will grow with you!

Good show.

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 01:52:40 GMT

concorduser wrote:
Now that you are approved, if you dont take the card it would still report on your CR. Just take the card and make the payments on time and keep asking for the CLI's. I am sure they would give you good CLI soon. It is a good way to start out.

This is such a sore spot for me. We just finished the paperwork for a HELOC and one of the forms we had to fill out was called a "Notice of Right to Cancel". We couldn't fill it out right away, we HAD to wait three days and then bring it back. There was a spot to sign if we wanted to finalize the loan, or a spot to fill out if we wanted to cancel it. Seems like there should be a similar way to dump a card that gets approved with terrible terms.

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 01:54:34 GMT

I mean I dont need the card, I just wanna build credit, I guess ill call and just keep the card!!!

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 01:56:12 GMT

Con and Syl are right, it should grow with you.

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 02:08:46 GMT

Cool I will be very careful never to charge tomuch on it and always pif as small as the amount is I thinking I will pif every other week until my scores get better and ask foe a cli or apply for another card

On the bright side it is a Platinum and it has no annual fees

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 02:20:44 GMT

Here is my info, anyone feel free to give me advise about anything, I would gracefully and thankfully take it!!!

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 02:48:10 GMT

May 07 Boa 2k

May 07 Boa CL 1k

June 07 CU 6k CL

Feb 08 Cap1 500

Feb 08 Chase 400

Feb08 Hooters???

Equifax, No baddies

Trans Union, 3 Collections- Hospital,Ticket, Old storage bill

3, 30 Day lates all two years old

Experian, 2, 30 Days lates two years old

Re: Chase Help!!!

haulingthescoreup — Thu, 28 Feb 2008 02:58:58 GMT

Hang in there, nourish it like the most high-maintenance girlfriend that you've ever had, and see what happens. It's probably good to have Chase showing up on your reports, even if the CL is kinda sad.

One thing to keep in mind: I'm pretty sure that I've read that Chase does hards on customer-initiated requests. So you might want to think happy thoughts about automatic CLI's, and just see what happens.

If Chase would ever bother to respond to my online app for the Borders Visa, I might be able to give you something more useful.

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 07:23:50 GMT

@solid07 wrote:
May 07 Boa 2k
May 07 Boa CL 1k
June 07 CU 6k CL
Feb 08 Cap1 500
Feb 08 Chase 400
Feb08 Hooters???
Equifax, No baddies
Trans Union, 3 Collections- Hospital,Ticket, Old storage bill
3, 30 Day lates all two years old
Experian, 2, 30 Days lates two years old

Do you mind sharing how old your credit hstory is? Was BoA in 5/07 your first credit card? thks!

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 18:28:04 GMT

It was my third card, I had two 1st Premier Cards but closed them, My oldest credit history is 4 years

and the average age of my accounts are on 1 year old, Im 26 years old I have bought and paid off 6 automobiles, I just pay them off early or trade them in every 6 to 12 months!!

My mortgage is only 2 years old

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 18:31:30 GMT

My revolving account are only 19 percent used, but simulator said if I pay them down more my score would be fro 674-704 So I paid them down yesterday to about 4 percent,

wonder how long before all my scores are in the 700's

Re: Chase Help!!!

Anonymous — Thu, 28 Feb 2008 18:39:48 GMT

@solid07 wrote:
My revolving account are only 19 percent used, but simulator said if I pay them down more my score would be fro 674-704 So I paid them down yesterday to about 4 percent,
wonder how long before all my scores are in the 700's

solid, it's time to stop app'ing and time to start working on the collections. And the first one I'd start on is the med collection. IMO they are the easiest to deal with. then move to the next one, then the next.

Again, imo, and it's only my opinion, as long as the collections are on your CR, you will not be able to break into the 700 club. I may be totally off base on that....but just my thoughts.

Good job on getting the cc's you DO have. Treat them well, pay WELL before the due date, never go over the cl. And in 6 months or so you should start seeing some cli's.

Re: Chase Help!!!

solid07 — Thu, 28 Feb 2008 18:47:57 GMT

The bad thing about the collections are they are with the same collection company and those people are very hard to work with, I have paid them over two years ago and when I dispute the collections they will not remove them, any suggestions?