I paid off my balance with Chase 2 months ago. I've used the card since to make 1 large purchase and have paid it off completely before the due date. I have such a high interest rate bc I was deliquent on the account about a year ago for a few months. I have been current with on-time payments for 6+ months now and have a $0 balance. What are my chances of getting a rate reduction and what can I expect for a new rate.
Outside of you Chase account that has a zero balance, How much in revolving balances do you have on other credit cards? You may want to call Chase and ask for an apr review, especially with your payment history that you have established with in the few months.. Good luck
How serious was the delinquency? 60-days? 25.9% is extremely high and I doubt Chase would jack up that high for 1 30-day late payment. What was the original APR on the account? I hate Chase and I know they are rate jackers, but 25.9% is unreasonable.
