He was absolutely rude. He was beyond rude.
He responded to me simply to be rude. I didn't need him to chime in about why I got declined. I'm very aware of why I got declined. I could care less that I got declined. I used to have my mortgage through them years ago, they were horrible with that too. Like I said, I put hundreds of thousands of dollars through their bank accounts for years and they still had the audacity to decline me. As far as I'm concerned, I don't care about their rules or lending practices. When a customer puts a large sum of money through your bank, and you decline them for a credit card, your business practices are off course, your customer service is horrible and I will be annoyed.
He responded to me and told me what my priorities should be, and that I should be annoyed at my own credit. That's not rude? My priorities are none of his business.. nor are they in any way shape or form out of order. The fact that my priorities CAN BE what material my card is made out of is in my eyes and accomplishment. At 30 years of age, I don't have to work. I could simply sit back and live off my savings and my investments. However, I still work. So If I want to worry about what my card is made out of, I will.
Secondly, I am not annoyed at my credit. If I wanted to liquidate every last bit of credit that has already been extended to me into cash, I could live like a king for years. Just in credit cards alone I have more available credit than your average American makes in two years. If you want to include my lines of credit, and any other loans I have, I already have enough for a lifetime. That being said, I am not annoyed at my credit. The only thing I would like to see is CHASE to remove an error that is on my credit report which is causing it to be lower than it should be.
Third, I wasn't personally attacking him, merely asking him a question. He was the one who originally replied to me being rude, and in my opinion, annoying. He didn't add anything to the thread, nor did he help, other than to raise my blood pressure. There was no reason for him to post. Had he read the thread, he would have seen the whole point of my post.
Finally, I am entitled to my opinion about Chase. My opinion is not only derived from whether or not they extend me credit, rather their practices, along with other large banks. They extended me a mortgage years ago. Almost $700,000, obviously paid in full when I did my refi. I put ridiculous amounts of money into their bank and their investment firm. I spent years as a banking customer. Would a small little bank see that and extend me credit? Yes. Would there be discretion? Yes. Does Chase see that, nor do they care? No. They have a strict guideline to go by. There is no discretion. Can the credit analyst even see the dollar amount of money that JP Morgan used to hold for me? Probably not. Don't you think that should be taken into consideration? Previously, I made good on almost a million dollars you lent me AND put in hundreds of thousands of dollars through your institutions... but don't give me credit, give the 18 kid with no income a $500 credit card that has a more probability that he'll overspend with and will default on, because they'll make more money that way by writing off and selling the debt, combined will over limit fees, late fees and ridiculous interest.
When a person pokes the bear, and the bear attacks the person, why does everyone get mad at the bear? There was no reason for him to respond to me like that.. or at all for that reason. He was rude and condescending. There was no reason for it.
My blood pressure rises when someone responds directly to my post and proceeds to be condescending and rude towards me for absolutely no reason. That doesn't happen often. Internet board or in real life, I will respond to it accordingly.
You're right, he had his right to express his views. However, his views were that my views were wrong. He also expressed that my priorities are out of order. That being said, I responded directly to him. Multiple people then chimed in for voice their opinions about whether or not I was wrong and/or he was wrong. I responded directly to him. If he wants to respond to me about it, he can. I've looked through his posts, and it's not uncommon for him to be condescending and rude to other people too. Had he not replied to my post to begin with, we wouldn't be having this conversation.
Maybe I have too much time on my hands that I can take what was said personally, and in return reposed to what was said. I just simply don't understand why he had to reply to me. End of story.
@Mopar_Jones wrote:My blood pressure rises when someone responds directly to my post and proceeds to be condescending and rude towards me for absolutely no reason. That doesn't happen often. Internet board or in real life, I will respond to it accordingly.
+1
As you should, and rest assured, I'm the last person who would ever advocate "turning the other cheek," in IRL or otherwise 
All I'm trying to convey is that however assertively you'd like to respond, any kind of "name" calling in our "Politically Correct Sanitzed" era will undermine your efforts, however reasonable and/or justified you may otherwise be.
I'm certainly *NOT* suggeting that you should back down to anyone. I hail from the school of thought where the first thing you do when you run into a "big guerrila" is to hit him in the mouth as hard as you can.
*Edited* - PS - In the world of Hawks and Doves, I'm every bit the former who believes steadfastly that we still live in a Hobbesian world.
I burned AMEX in my BK years ago. Believe me, if I could get another business AMEX I would..
Should have said leases.. two leases.. and one boat loan. I'd pay off the boat loan, but there's no way I could pay off a 52' Cruiser. The term is almost as long as my mortgage..