Chase Pulls What Report?

[Percy]

i would like suggestions what should i do? what would you do?

[Percy]

I have a citi cards credit card thats interest rate went up not because i did something bad.... all citi cards customers interest rates went up im at 29.9 i want a lower interest credit card....

[Anonymous]

Do you have a recent reporting late in addition to your old lates? Or did they RJ you because you just paid late?

You need to call Citi and grovel to get your old APR back.

You really need to get some of this negative stuff aged before you app anywhere.

[Percy]

Noo... i got nothing recent... my old lates were in 05.... all of them..... and RJ? what does that mean? if that means they raised my interest rate due to lates thats not why.... all citi cards customers got their APR raised...

[Anonymous]

All Citi customers did not get their APR's raised. Mine is at 6.99%. Why was yours raised to the default rate? There has to be a reason.

RJ = Ratejack

[MrShush]

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@chopperacn wrote:
They pulled Experian for me in Philly.

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Heh...Chase pulled TU for me in Lower Bucks (Southeastern PA for the rest of you)

[Percy]

they said something about investors wanting more in return so they had to jack their interest rates up.. due to the economy?

[Anonymous]

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Abester000 wrote:
they said something about investors wanting more in return so they had to jack their interest rates up.. due to the economy?

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If they put you on a 29.99% APR something is wrong. Call them up and find out what it is. That's a default level rate and is punitive. It can be lowered just as easily as it was raised, but that can't happen if you don't ask.

[Anonymous]

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@Anonymous wrote:

All Citi customers did not get their APR's raised. Mine is at 6.99%. Why was yours raised to the default rate? There has to be a reason.

RJ = Ratejack

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Well, Hubby and I each have Cap 1 and our rates were increased to 17.9 and 21.9.  His was increased higher and he had the best credit!  Never late, never over limit.  Even my mom, who has THE most impecable credit got her cards RJ'd for no good reason... 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

All Citi customers did not get their APR's raised. Mine is at 6.99%. Why was yours raised to the default rate? There has to be a reason.

RJ = Ratejack

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Well, Hubby and I each have Cap 1 and our rates were increased to 17.9 and 21.9.  His was increased higher and he had the best credit!  Never late, never over limit.  Even my mom, who has THE most impecable credit got her cards RJ'd for no good reason... 

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Were any of these decisions questioned?

I don't like my stupid Direct Merchants Bank MC APR (HSBC, something like 27.99%), but I picked up the phone and asked - and they gave me a 6.99%F promo rate.