cancel
Showing results for 
Search instead for 
Did you mean: 

Post chase app spree

tag
navigatethis12
Valued Contributor

Re: Post chase app spree

It seems people believe they can add as much debt as they want and no lender is supposed to do anything about it. You said you have 40,000 at Chase, 19,000 at American Express and a new automotive loan for 70,000, which is over 100,000; not including any other balances you may have with any other cards. Scores don't matter when you're seen as a risk and your wife clearly was. When's the last time you received her score?

 


@swpopham wrote:

 

 

Got ahold of PB who was pissed beyond all imaganation after i ripped him for 15 minutes, he said im sorry ive been fighting all weekend for sara and Im gonna lose my job now. Said tough go fight the unemployement line....  

 

 



It's brilliant to see how appreciative you are. Someone tries to get you what you want,gets terminated, and all you can do is tell them to "fight the unemployment line"?

Message 21 of 30
swpopham
Established Contributor

Re: Post chase app spree

amex prg is paid in full monthly so i dont know where your going with that? we just pulled 86k out of our savings and paid our house off because at 5% intrest it was in our best interest to pay the house off and not sit on the money.  I ordered alot of expensive items for our jeep build and wanted them on a credit card until they get delivered. there were no other balances reporting. last year my wife had 225k on her w2 and i paid myself 250k. All my employees make more then $20 dollars an hour. we always keep a rainy day fund for our buisness of 5m in the business savings account. Chase had no reason to freak at all. Their loss NFCU didnt hesitate in bringing our business and the rest of our personal back over to them...

 

edit: I pulled all of her scores here when i first saw the credit line reduction. her scores were between 813-830 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 22 of 30
09Lexie
Moderator Emerita

Re: Post chase app spree

Again, not to pry but if your incorporated why can't your wife have a position on the board? Also, if its incorporated why are they coming after your personal credit?

I'm so confused
Message 23 of 30
swpopham
Established Contributor

Re: Post chase app spree


@09Lexie wrote:
Again, not to pry but if your incorporated why can't your wife have a position on the board? Also, if its incorporated why are they coming after your personal credit?

I'm so confused

She is my VP and COO on the board. thats what im trying to get across to everyone, just because she is not at the office everyday dosent mean she is not involved in our business. All chase business cards have a PG on them. I dont know what they saw that freaked them out, her credit is pretty quiet compared to any of us on this board. She could care less about credit. They went after the cards she was joint owner on. I just never got around to having her sign the ownership agreement for the JPM cards. They just wanted to lower their exposure limit on her for some reason. (its me they should be worried about!!! ) I dunno, I think the fact we own a FFL and they dont support guns is one of the main reason, thats why they canceled our merchant account in feb of this year

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 24 of 30
myjourney
Super Contributor

Re: Post chase app spree


@navigatethis12 wrote:

It seems people believe they can add as much debt as they want and no lender is supposed to do anything about it. You said you have 40,000 at Chase, 19,000 at American Express and a new automotive loan for 70,000, which is over 100,000; not including any other balances you may have with any other cards. Scores don't matter when you're seen as a risk and your wife clearly was. When's the last time you received her score?

 


@swpopham wrote:

 

 

Got ahold of PB who was pissed beyond all imaganation after i ripped him for 15 minutes, he said im sorry ive been fighting all weekend for sara and Im gonna lose my job now. Said tough go fight the unemployement line....  

 

 



It's brilliant to see how appreciative you are. Someone tries to get you what you want,gets terminated, and all you can do is tell them to "fight the unemployment line"?


I totally agree with this statement the employee doesn't own the bank and is hardly a major voting shareholder thus can only go as far as his VP or EO allow.

But you're ok with him getting fired ......I'm sorry but that's just unacceptable in my eyes JMHO amd the wrong way to treat any person that has given you loyal service over the years (karma)

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 25 of 30
swpopham
Established Contributor

Re: Post chase app spree


@myjourney wrote:

@navigatethis12 wrote:

It seems people believe they can add as much debt as they want and no lender is supposed to do anything about it. You said you have 40,000 at Chase, 19,000 at American Express and a new automotive loan for 70,000, which is over 100,000; not including any other balances you may have with any other cards. Scores don't matter when you're seen as a risk and your wife clearly was. When's the last time you received her score?

 


@swpopham wrote:

 

 

Got ahold of PB who was pissed beyond all imagination after I ripped him for 15 minutes, he said IM sorry ive been fighting all weekend for sara and Im gonna lose my job now. Said tough go fight the unemployment line....  

 

 



It's brilliant to see how appreciative you are. Someone tries to get you what you want,gets terminated, and all you can do is tell them to "fight the unemployment line"?


I totally agree with this statement the employee doesn't own the bank and is hardly a major voting shareholder thus can only go as far as his VP or EO allow.

But you're ok with him getting fired ......I'm sorry but that's just unacceptable in my eyes JMHO amd the wrong way to treat any person that has given you loyal service over the years (karma)


He did not uphold any kind of ethics, he could have called and said hey im working on this.... or hey they wont work with me but your JPM is okay.... or His manager could have called us back as he begged and promised he would. Lack of customer service and charging us pretty healthy fees I think he could have had some common curiosity 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 26 of 30
myjourney
Super Contributor

Re: Post chase app spree


@swpopham wrote:

@myjourney wrote:

@navigatethis12 wrote:

It seems people believe they can add as much debt as they want and no lender is supposed to do anything about it. You said you have 40,000 at Chase, 19,000 at American Express and a new automotive loan for 70,000, which is over 100,000; not including any other balances you may have with any other cards. Scores don't matter when you're seen as a risk and your wife clearly was. When's the last time you received her score?

 


@swpopham wrote:

 

 

Got ahold of PB who was pissed beyond all imagination after I ripped him for 15 minutes, he said IM sorry ive been fighting all weekend for sara and Im gonna lose my job now. Said tough go fight the unemployment line....  

 

 



It's brilliant to see how appreciative you are. Someone tries to get you what you want,gets terminated, and all you can do is tell them to "fight the unemployment line"?


I totally agree with this statement the employee doesn't own the bank and is hardly a major voting shareholder thus can only go as far as his VP or EO allow.

But you're ok with him getting fired ......I'm sorry but that's just unacceptable in my eyes JMHO amd the wrong way to treat any person that has given you loyal service over the years (karma)


He did not uphold any kind of ethics, he could have called and said hey im working on this.... or hey they wont work with me but your JPM is okay.... or His manager could have called us back as he begged and promised he would. Lack of customer service and charging us pretty healthy fees I think he could have had some common curiosity 


Since you're a business owner answer this

You tell one of your employees not to do something including have no contact and what would you expect that employee to do?

His hands are tied IMHO (middle man)

 

Ethics would have forced me to make a call on his or her behalf for the effort and service before this unfortunate thing happened with you but you think the lonely man at the bottom of the food chain possessed all the power.......Again WoW is this ethically moral? 

 

I'm sorry and don't wish to offend but my dear sweet grandmother rest her soul always said " treat others as you would have them treat you" and this is just my opinion of a middle man probably with a family and possible no job tomorrow and you could care less  

Your comforting words were unemployment line .......wow I'm done 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 27 of 30
swpopham
Established Contributor

Re: Post chase app spree


@myjourney wrote:

@swpopham wrote:

@myjourney wrote:

@navigatethis12 wrote:

It seems people believe they can add as much debt as they want and no lender is supposed to do anything about it. You said you have 40,000 at Chase, 19,000 at American Express and a new automotive loan for 70,000, which is over 100,000; not including any other balances you may have with any other cards. Scores don't matter when you're seen as a risk and your wife clearly was. When's the last time you received her score?

 


@swpopham wrote:

 

 

Got ahold of PB who was pissed beyond all imagination after I ripped him for 15 minutes, he said IM sorry ive been fighting all weekend for sara and Im gonna lose my job now. Said tough go fight the unemployment line....  

 

 



It's brilliant to see how appreciative you are. Someone tries to get you what you want,gets terminated, and all you can do is tell them to "fight the unemployment line"?


I totally agree with this statement the employee doesn't own the bank and is hardly a major voting shareholder thus can only go as far as his VP or EO allow.

But you're ok with him getting fired ......I'm sorry but that's just unacceptable in my eyes JMHO amd the wrong way to treat any person that has given you loyal service over the years (karma)


He did not uphold any kind of ethics, he could have called and said hey im working on this.... or hey they wont work with me but your JPM is okay.... or His manager could have called us back as he begged and promised he would. Lack of customer service and charging us pretty healthy fees I think he could have had some common curiosity 


Since you're a business owner answer this

You tell one of your employees not to do something including have no contact and what would you expect that employee to do?

His hands are tied IMHO (middle man)

 

Ethics would have forced me to make a call on his or her behalf for the effort and service before this unfortunate thing happened with you but you think the lonely man at the bottom of the food chain possessed all the power.......Again WoW is this ethically moral? 

 

I'm sorry and don't wish to offend but my dear sweet grandmother rest her soul always said " treat others as you would have them treat you" and this is just my opinion of a middle man probably with a family and possible no job tomorrow and you could care less  

Your comforting words were unemployment line .......wow I'm done 


That is the absolute worst thing that can ever be done. Our business has grown over 500% each year over the last 4 years and it has been growing because of the CUSTOMER SERVICE, my phone is always on  no matter what time day or night. I treat all of my empoyees with respect. If we get in to a pickle  and I need time to work something out a phone call or email from an employee saying "Mr. Smith the owner-mangaer------ is working on your problem still, I do not have any update for you but just wanted to let you know that we were still trying to resolve XYZ for you" 

 

The branch manager begged us in front of 50+ people to give him till the next morning to call us back. We never heard a word back from him or anyone. If anyone of our employees did that to one of our customers they would be gone in a heart beat. 

"As long as the music is playing, you've got to get up and dance," he said. "We're still dancing."---Prince CEO Citi Bank

"Money isn't the most important thing in life, but it's reasonably close to oxygen on the "gotta have it" scale". ~Zig Ziglar
Message 28 of 30
Cstone87
New Contributor

Re: Post chase app spree

Perhaps you did not have enough "joint" cash accounts that satisfied the exposure of risk? My grandparents never have had any problems with JPM in Houston....My grandmother has  never has worked 0 income, and that's not true JPM treasury management accounts have commercial cards with no PG. That was my first card!!! It was silver!

 

Also bewildered about the corporation set up.....just my opinion.

Too many cards
DOJ
Message 29 of 30
09Lexie
Moderator Emerita

Re: Post chase app spree

As I am confused.

Regardless, with you DW as COO and not drawing a salary that is your right. The issue regarding your DW and as to how or why Amex and Chase seems to go after her you might want to address. If you are repeating the same app/ownership steps with your new cc's chances are flags will be raised with them too. Then what? Chase, Citi, BoA and NFCU will be off the list. I guess there's US Bank

Good luck to you and your new accounts. Hopefully, this will be the end of AA
Message 30 of 30
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.