Anyone have any experience with them? I sadly can't really do much right now with a delayed mortgage in flight still for the next few months but not lost on me they are offering a holiday loan (admittedly capped ar 5K) and HELOC rates at much cheaper than my mortgage quotes.
One of my times on the forum was when the CC was the rage and they were pretty easy to join, they didn't whack my membership or card so I still have the relationship there, but hadn't really considered expanding the relationship until that mailer.
Wouldn't surprise me if I wind up at 8% on the mortgage and if I can self refinance that down before rates fall more generally and I could refinance, well... interesting. 
ETA: opening a slew of accounts could be in the cards since I really don't need my credit for anything major once the mortgage closes so reindeer games may be in season much longer than the traditional holiday haha.
@CreditCuriosity wrote:No experience with loans other than the 3% CC with them. I know auto loans they only do in the state as talked to them about that at one point, whether they do other loans I am unsure of. Likely auto not out of state is a secured and harder to repo? Doesn' really make sense to me.
All lending laws are state by state; I know mortgages are utterly separate in terms of licensing seemingly than other loan types, and the same applies to the sub-prime space though that has more to do with various state's restrictions on loan types and specifically APR limits. Maybe auto loans are different too, I don't honestly know either but I can't think of any other good reason... it's not like the repo market is anything but local anyway AFAIK and the FI doesn't do it itself.
If I weren't in flight for a mortgage I'd give it a try but that's just a non-starter for me currently and I doubt their aggressive Holiday Loan rate (which is better APR than even my new mortgage quote) will be there by the time I hopefully close in January.
@CreditCuriosity wrote:
@Revelate wrote:
@CreditCuriosity wrote:No experience with loans other than the 3% CC with them. I know auto loans they only do in the state as talked to them about that at one point, whether they do other loans I am unsure of. Likely auto not out of state is a secured and harder to repo? Doesn' really make sense to me.
All lending laws are state by state; I know mortgages are utterly separate in terms of licensing seemingly than other loan types, and the same applies to the sub-prime space though that has more to do with various state's restrictions on loan types and specifically APR limits. Maybe auto loans are different too, I don't honestly know either but I can't think of any other good reason... it's not like the repo market is anything but local anyway AFAIK and the FI doesn't do it itself.
If I weren't in flight for a mortgage I'd give it a try but that's just a non-starter for me currently and I doubt their aggressive Holiday Loan rate (which is better APR than even my new mortgage quote) will be there by the time I hopefully close in January.
likely not, but they come around each holiday I believe if for future use.. Think this is 3rd holiday for me or is it the second with those rates for loan
Dude thanks for this, I just searched through my email and they actually offered not only the Holiday Loan last year (at 3.99%) but they actually had a loan special around March Madness too. They offer other specials during the year but most of those were around 7% which unless rates tick back up I'm not going to get saddled with. Still, if I can re-fi my mortgage ~5K at a time over the course of a few months, why not do it? Use the pretty FICO score for *something*.
Had the frank conversation with Chase, opened the second front. Either way unless I get a massively unexpected spike in the mortgage market rates I'll be under that **bleep** 7.8% rate and only out another 1.2K worst case. In the case of the weird, Chase asked for a second chance too, basically if I have the second front and get an official quote, they asked to at least see it to submit to see if they could beat it.
Short of being six feet under I don't think I'll ever stop being surprised at some things.