PFB and Chase

Discussion in 'Credit Talk' started by LisaMc, May 6, 2003.

  1. LisaMc

    LisaMc Well-Known Member

    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.
     
  2. IrishEyes

    IrishEyes Well-Known Member

    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!
     
  3. Amy B

    Amy B Well-Known Member

    I pfb'd them about my new card, no answer yet. Keep us posted.
     
  4. GEORGE

    GEORGE Well-Known Member

    CHASE never responded to me...
     
  5. PawMix

    PawMix Well-Known Member

    Chase never responded to us either.

    PawMix
     
  6. Amy B

    Amy B Well-Known Member

    Maybe we should just call the number that Platinum published and raves about.
     
  7. Tony V.

    Tony V. Well-Known Member

    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
     
  8. DHK

    DHK Well-Known Member

    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!!!
     
  9. PawMix

    PawMix Well-Known Member

    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
     
  10. DHK

    DHK Well-Known Member

    "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.
     
  11. PawMix

    PawMix Well-Known Member

    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
     
  12. DHK

    DHK Well-Known Member

    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.
     

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