That has more to do with the rewards program(s) than Chase's conduct towards their customers. If you're looking for more personalized service from Chase, you need a JP Morgan personal banker. If you don't have one, expect better service from AMEX and your local credit union.
I have no exposure to any personalized experience to compare, but as a "broke" college student, Sapphire service has been exceptionally courteous and so far just as attentive and accomodating as American Express though I am assuredly not a meaningful client in their eyes either. There's no denying that if Ultimate Rewards were not as enticing as they are, churners and points afficinados alike would flock elsewhere.
wrote:
wrote:I have 3 Chase cards: 24k, 24k, and 26k limits. Highest limits of any cards I have. Don't see them as being conservative.
I didn't mean conservative as in Chase is stingy. Chase can be very fair or even generous with their CLs when they feel that they can trust someone. However, I feel that Chase is conservative in that they don't have a lot of appetite for risky profiles or behaviors in their cardholders or potential cardholders. Whereas some banks may be more liberal with CLs and CLIs, Chase may not feel the same.
Probably not a bad thing in all honesty. Much better than taking on too much risk like CapOne then hitting everybody with CLDs when the going gets tough.
To be honest, most of the people that complain about adverse action (credit line decreases/balance chasing, closed accounts, etc.) by Chase have done something (or multiple things) that understandably skeeved them out. Aside from the obvious things like paying late and carrying huge balances with only small payments, these people have put large fractions of their annual income through the card before their first statement even cut, gone on huge app sprees shortly after opening their account, and so forth. Chase has also made it known through their actions that they want nothing to do with churners. (Honestly, who does?)
Most of the other (mostly valid) complaints about Chase stem from how they're a pretty conservative lender. They'll often give out lower starting CLs than others, it can be hard to get increases from them (if you request one, it *will* be a hard pull), and the APRs they start you off at tend to be set for life. In my opinion, Chase is the most selective of the major lenders (a distinction that has been historically given to Amex, but I think that’s outdated). For instance, because of my income, Chase did not initially want to approve me for the CSP without moving over $5000 of my $5600 of credit with them to the new card. Meanwhile, American Express was happy to give me more than 4x that between two cards.
However, I also think Chase is just as good to its cardholders as Amex is, especially if you have a good relationship with them. This is based on what I hear, as well as my own personal experience. Going back to my experience applying for the CSP: The rep I spoke to in the recon department actually pulled a few strings after I got off the phone with her, and I got a call back later with a better deal. $6500 SL, with $750 of credit transferred from each of my two Chase cards (not sure why I couldn't just be approved for a $5000 SL in the first place, but I never said Chase can't be a bit funny from time to time 
). Chase CS has been great in my dealings since then, but it's always very much appreciated when I encounter a CSR willing to work with me to that degree.
TL;DR: If you use your cards like a normal person, Chase won't give you any problems. If you're good to them, then they are often excellent. Don't believe the churners complaining on here.
wrote:To be honest, most of the people that complain about adverse action (credit line decreases/balance chasing, closed accounts, etc.) by Chase have done something (or multiple things) that understandably skeeved them out. Aside from the obvious things like paying late and carrying huge balances with only small payments, these people have put large fractions of their annual income through the card before their first statement even cut, gone on huge app sprees shortly after opening their account, and so forth. Chase has also made it known through their actions that they want nothing to do with churners. (Honestly, who does?)
Most of the other (mostly valid) complaints about Chase stem from how they're a pretty conservative lender. They'll often give out lower starting CLs than others, it can be hard to get increases from them (if you request one, it *will* be a hard pull), and the APRs they start you off at tend to be set for life. In my opinion, Chase is the most selective of the major lenders (a distinction that has been historically given to Amex, but I think that’s outdated). For instance, because of my income, Chase did not initially want to approve me for the CSP without moving over $5000 of my $5600 of credit with them to the new card. Meanwhile, American Express was happy to give me more than 4x that between two cards.
However, I also think Chase is just as good to its cardholders as Amex is, especially if you have a good relationship with them. This is based on what I hear, as well as my own personal experience. Going back to my experience applying for the CSP: The rep I spoke to in the recon department actually pulled a few strings after I got off the phone with her, and I got a call back later with a better deal. $6500 SL, with $750 of credit transferred from each of my two Chase cards (not sure why I couldn't just be approved for a $5000 SL in the first place, but I never said Chase can't be a bit funny from time to time
TL;DR: If you use your cards like a normal person, Chase won't give you any problems. If you're good to them, then they are often excellent. Don't believe the churners complaining on here.
I don't believe we have many (if any) churners on here. Some other sites however...