For your security, we cannot handle the following requests via e-mail: - Convenience Checks - PIN Information - Credit Line Increases - Additional Cards - Add Authorized Users - Requests for lower APRs<--------***** - Balance Transfers - Status of Applications - Lost/Stolen Cards - Reinstatement of Accounts - Credit Balance Refunds - Credit Bureau Report Inquiries - Charge Disputes I was going to E-MAIL FIRST USA again about my 13.99% rate...they are making NOTHING @13.99%...I pay NOTHING over 9.99%... From the list above it looks like you can't do much!?!?!? SECURITY???
Let us know how you do with your attempt to get a lower interest rate and who you dealt with. I am going to give them a call about this later in the week.
What do you expect from such a shortsighted company? A couple of weeks ago, they announced they were closing a service center in AZ. because they didn/t need it. They said since customer satisfaction had risen from 65% to 80% that basically it was mission accomplished. I can't beleive someonewould be satisfied knowing 1 out of 5 customers were still unhappy. The best way to send a messsage is vote with your wallet and get away from these peoplw. My personal experience is do not run large balances with either First USA or MBNA. Theyll raise your rates as fast as they can citing your debt levels overall as the reason.
Keepmine, good advice. Add Fleet to that list of creditors who like to increase rates once you have a sizeable balance. Dani
Never had a desire for a Fleet card. Something about the corp. name and walking past the enema selection at the drugstore draws an uncomfortable comparison!
I've posted this before (several times, actually), but this link will give you the lowdown on First USA: http://members.tripod.com/~FUSA1/
I finally got rid of all of my accounts with these moronic boobs. Among their stupidities: 1) Jacking up the interest rate for NO reason whatsoever. One time when this occured, I asked for an explanation and got a letter listing 4 FICO 'reasons', among them being 'previous delinquencies'. Funny thing was that ALL of my accounts on my credits reports are R1 (paid or paying as agreed - NEVER LATE). I wrote back another letter asking them to identify what delinquencies they were talking about and got back the same exact letter except that 'previous delinquencies' was replaced to 'too many open revolving accounts'. 2) After closing the account cited in #1, the continued to send convenience checks and other inducements to use the closed account for 4 months after it was closed. 3) They would not lower the ridiculous 22.65% interest rate on my old Chevy Chase FSB account. FirstUSA bought out Chevy Chase's Credit Card Portfolio a couple of years ago. I requested the account be closed numerous times and they refused to send me an account closure letter. Even after I finally got them to send me an official account closure letter, they continued with the practices cited in #2 for 5 months. 4) I accepted a pre-approved offer for their Titanium Card at a fixed 9.9% that the promotional material guaranteed would NEVER go up as long as I made my payments on time, etc. After a year, they unilaterally changed me to a Platinum Card to wiggle out from under their promise. They responded to my complaint by stating "We are no longer offering that product." Subsequently, they attempted to jack up the rate several times for totally specious reasons. Each time I complained and threatened to close the account, they backed down. The last time the reason they cited was "It is no longer economically feasible for us to continue charging only 9.9%." This was smack in the middle of the Fed's campaign to push DOWN interest rates. What they really meant was that it was no longer econmoically feasible for them to do business with people who paid their bills on time, had good credit, and could demand that they be offered the best terms for credit. 5) Their 'customer service' representatives could typically not help you with anything but the most rudimentary requests. Anything the least bit complicated had to be passed on to a 'specialist' which meant another 5-15 minutes on hold. It would seem to me that the reason their customer satisfaction rate went up dramatically is because many of their unhappy customers have cancelled their accounts. In fact, FirstUSA has experienced a very large decline in the number of accounts in the past two years. Given their behavior and the number of class action lawsuits against them, I'm not surpirsed.
