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Okay, this has probably never been asked, if you have a chase freedom and chase checking and savings, can the chase freedom reps see what i have in my checking and savings account?? One more thing, when you calll chase freedom to inquire about cli or bt etc, do they automatically see that you also have savings/checking with them, making them more inclined to help you better?
It would surprise me if there isn't a connection, be it direct or indirect, between bank accounts and credit card accounts. I keep my various accounts independent of each other to avoid that one is being leveraged against another.
My bank is for checking and savings only, along with a debit card. The mortgage is another bank. The retirement account is yet another company. The car installment loan is with dealer's finance department. I don't use any financial services of Amex and Discover, just as the banks associated with my Visas and MasterCard stay at just that.
The credit report data show all of the credit, but exclude bank accounts and income. I also don't use my bank's bill pay or any other such centralized service, but the automated setup of each respective account, including utility bills. It's the opposite at home. Fully shared household finances for bank and credit. It boils down whom you trust the most. Your banks or your family.
1. Yes, they can review internal information from their associated accounts.
2. Not necessarily automatic, but I would presume that any major creditor routinely reviews your prior history with them, looking, if for nothing else, unpaid delinquent debt, prior charge-offs, collections, etc. Being capitalists, I would also presume that your overall profitability to them would be a factor.
Thank you for the responses
@Anonymous-own-fico wrote:It would surprise me if there isn't a connection, be it direct or indirect, between bank accounts and credit card accounts. I keep my various accounts independent of each other to avoid that one is being leveraged against another.
My bank is for checking and savings only, along with a debit card. The mortgage is another bank. The retirement account is yet another company. The car installment loan is with dealer's finance department. I don't use any financial services of Amex and Discover, just as the banks associated with my Visas and MasterCard stay at just that.
The credit report data show all of the credit, but exclude bank accounts and income. I also don't use my bank's bill pay or any other such centralized service, but the automated setup of each respective account, including utility bills. It's the opposite at home. Fully shared household finances for bank and credit. It boils down whom you trust the most. Your banks or your family.![]()
FWIW, you have very little control of this. Mortgage loans are sold and resold behind the scenes. You're basically told it happened and who to pay going forward. They don't ask if it's OK either.