I have two Chase cards and for the life of me I can't get them to lower my APR or increase my credit line. Chase is charging 21.94%. Chase Card #1 has $500 CL with $0 balance since August. I have used it twice and paid off balance in full each time. Chase Card #2 has $7,500 with balance of $2,000 and I haven't used it since July. Balance was $6,700 on July 1, 2007 so you see why I haven't used it and I have made significant efforts to pay this monster off. I have two Capital one cards which they have both lowered my APR to under 9% and both have increased my CL. I have a BofA which has done the same. What is it about Chase wanting to be so tough? I have requested lower APR or CL each month for the past 8 months to no avail. I did have a 30 day late just over 3 years ago on both Chase cards, but give me a break...over 3 years ago. I have made up my mind that when the Chase Card #2 is paid off, both of them go in the sock drawer. And to rub salt into the situation, Chase pitched me to buy credit thief protection. I told them I couldn't afford it since Chase was charging me such a high interest rate. These folks are unbelieveable. My credit score has gone up from 569 to 693 since May, 2007.....I can't wait until Chase is chasing my business...Good luck Chase!
