Has anyone ever had any luck with a PFB and Chase? I have tried everything else short of small claims. Just thought that it might be a last effort. They are reporting an account that was included in bk 3 years ago as DOLA = 9/02. It is killing my DH's score. It is also his only negative on TU and EQF.
They do respond, but will they comply is another story. I PFB'd them about a rate jack, they responded, my rate is still jacked!
For me when i called the number PLATINUM gave out...they dropped my rate down to 7.99% fixed apr.....i just called this week again, since some have gotten the 6,99% fixed apr.....be careful when calling and asking....she was about to CLOSE my account which has a $20 credit balance....i said NO i dont want it closed, just a rate reduction please.......well she put me on hold and said NO....maybe try back in 30 days when we update our records.....ill try again monday...... Tony V. San Diego, Ca
I just got my new Chase Plat MC in the mail today. There was no rate information included in the packet, so I called to find out my rate on BT. Turns out we didn't "qualify" for the 0% for 12 month pre-qualified mailer. We got a $4k credit line at 19.xx% I just about gave up on CHASE receiving any of my credit balances. So I called that phone number 1-800-345-8089. Talked with Bob and he was able to get me 0% APR for 9 months (better than no months!) and thereafter a fixed rate of 9.74% (much better than 19%!) I'm a much happier camper! I'll try to get the lower APRs after we use the account for 0 percent for 9 months. Thank you all for your help!!!
I called that number too and was informed that Chase will not lower our rate unless we have '12 months of perfect credit'. I asked politely what perfect credit is supposed to mean and they really couldn't give a reasonable answer to that question. So, can someone explain to me what 'perfect credit' means? PawMix
"Perfect Credit" (to me) is no negative information reported EVER. Always 100% on-time with your payments and rarely over-limit. Has little to do with utilization %'s or inquires. It's taking care of the credit that you do have and meeting at least the minimum requirements to keep the account in good standing.
Yeah, that's what I thought. Yet, they have accepted my application, given me a $7000 credit line with NO perfect credit and with %0 APR on balance transfers for 6 months. Then they jacked my rate to currently %22.99 with positive changes to the credit reports and to the FICO score. Leap in thinking? PawMix
Did you recently become late on other tradelines within the past year? I know that if you have a really good interest rate, it will only stay in effect as long as you are current on ALL your other debt obligations.