- Gold Member
- Posts: 30
- Joined: Wed Mar 04, 2015 1:01 pm
- Location: USA
Just wanted to give a shout out to Chase and let you all know what excellent service they provide and how awesome they've been to me! You'll notice in my signature that I work for a card company and Chase is NOT the one I work for, so this is not an insider plug haha!
I have never been late or missed a payment, but had a lower score just starting out around the 670's. I also had a card loan and a student loan, cosigned by a parent, and a few lower level store cards at the time. They first approved me for a credit line of $500 on a Chase Freedom card a little over 6 months ago. I called to request an increase when I received it, giving them the reason, to use it for an engagement ring. They approved me for $1500 (that's what I asked for, being modest.) Then after a couple months, I asked for $3000 which was approved as well. As well has having 15 months no interest with the card, I received a $100 rewards bonus and redeemed for direct deposit into my checking after spending my first $500.
Then, I saw some ads for the Marriott card and getting a free night after application is approved, and applied for this card with them. I was approved for $5000. They delivered on the free night to my Marriott rewards account in a very timely manner and it was easy to use.
After this, I saw they had a new Hyatt card, which offered two free nights after spending $1000 on the card in the first three months. I applied, and was again approved for $5000 on this card! I spend my $1000 in a month and a half or so and within a couple weeks, my two nights were rewarded in my Hyatt rewards account, no effort required!
Finally, I needed a new card with a new 0% interest period to make a very large purchase, and decided to apply for the Slate card. I was initially denied for this card, and had one contact with the credit department who advised I would get the letter as usual, and said something about too many open accounts/too much available credit. I didn't push it and said thanks and ended the call. So a couple days later after reading online, I tried something else.
***Chase is VERY flexible with available credit and multiple accounts with them!***
I called the credit department again, acknowledged that the first app was denied, and then I asked the rep if I could move some available credit off one of my other accounts to a new Slate card and get it approved. He looked for a minute then advised me since it looks like I didn't use the Marriott anymore, that I could close that one (or not even close it) and move the $5000 available to a new approved Slate card! I took this offer and had the Marriott account closed (I needed to close it anyways as there is an annual fee after the first year.) I took this offer, and my new Slate card was on the way with a $5000 limit. The rep advised that once I got it, I could even call normal Customer Service and see about moving more available credit from my Hyatt card to the Slate card.
So, when I received the Slate card, I called and within minutes, at my request, they moved $3000 from my Hyatt card over to my new Slate account. So now I have an $8000 limit on a new Slate account with 15 months 0% interest, and no annual fee!
Throughout my whole experience with them, they have been FAST, friendly, professional, accomodating, and offered just excellent service. Every time I've gotten a new card, the new account just automatically popped up on my account online with them within a day or so (after I of course registered the first one I opened.) Also, changes made with Customer Service reflected online immediately, and everything is user friendly. They do not have a chat feature, but the phone support has been top notch, United States reps every time with little wait time, and also they are quick and functional with their Customer Service via email/message online. I have requested two successful credit line increases through that channel. My experience with the rewards program has been excellent. They've delivered on everything very fast and efficient and also flexible with options.
Anyways, all that to say, Chase is very smooth and has been really good to me. I wanted to pass this on in case it would help to know how flexible they are and some of the things they will do for you. Let me know if you have any questions!
Customer Service Rep for a card company
Chase Slate - $8000
Chase Freedom - $5000
Hyatt Rewards (Chase) - $2000
Citi Double Cash - $1000
UPromise Mastercard (Barclay) - $1400
Best Buy Credit Card (Citi)- $1000
Kohls Credit Card (CapOne) -$500
Target RedCard (TD Bank) -$1200
Walmart Credit Card (Synchrony) - $1000
Home Design Card (Synchrony) -$2000