Opened my Chase checking account tonight

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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Opened my Chase checking account tonight

Postby MemberSince99 » Wed Jun 26, 2013 7:34 pm

Now I will get my direct deposit changed. And transfer the rest of my money over to Chase.

I tried calling Associated to cancel the cards but I spent so long on hold I finally gave up. Believe me I contrasted that with calling Chase for my CSP where a human being picks up and one in America who I can understand and who knows how to help you.

On that note my 3X CLI attempt with Amex is in early August. Do you think I'd be better off to leave them open until I get that, or close them now? I'm not sure how Amex thinks - they may see all those cards and figure this guy can handle the increase, or they may prefer to see that I have less available credit so they would feel comfortable extending more to me. (Or they may decline due to past delinquency, you just never know).

So what do you think? Strictly in terms of the 3X CLI attempt?


Gamma
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Postby Gamma » Wed Jun 26, 2013 10:28 pm

When I asked for a cli, my available credit was about 5k more than my reported income and got a counter offer of 6.9k instead of 10k. Also carrying a balance on Citi. Hope that helps.

MemberSince99
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Postby MemberSince99 » Thu Jun 27, 2013 6:13 am

Yeah they may be sensitive to your overall available credit. Mine is pushing to being within 20k of my annual gross income (I say gross because after taxes, well, it's REALLY gross). So I wonder if some of them will get leery of that. That's also part of why I want to close some of these cards that I don't plan to use, the lines may be holding me back from getting CLIs on cards I'd like to keep for the longer term. I just have to be careful not to close TOO much. But the Associated cards I'm going to close and am fine with closing. I'm leaning that way with BofA as well just for the sake of having less to manage. Some folks here can do great managing 10 cards I'm not one who is or who wants to be that. 4 or 5 is as many as I want.

Thanks for your input Gamma!

TheLethargicAge
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Postby TheLethargicAge » Thu Jun 27, 2013 11:20 am

Chase is awesome! I have all my checking/savings/mortgage/IRA with them and their service has always been outstanding.
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

MemberSince99
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Postby MemberSince99 » Thu Jun 27, 2013 12:36 pm

I've had the same experience which is why I want to move over to them (primetime).

I called Associated over my lunch intending to close my cards, spend time on hold finally got to a CSR who got really nasty with me, my phone cut out and between that and wanting to close the accounts she got seriously a nasty tone, but when I could finally talk again she says now if I understand you, you said you'd called about consolidating your limits into one card and that was what you wanted to do right and I said right but I was told you don't do that so I just want to close the accounts as I have others I prefer to use now and I don't want the potential liability of leaving these open. So she says if I can get that done for you will you leave them open and I said sure figuring it wasn't going to happen anyway so what the hell so she puts me on hold and I'm on hold until I ran out of time and had to hang up and go back in.

I was kicking myself for not saying no just close it but with her attitude about it, I'm kind of afraid maybe she would have messed with me.

They are just so night and day from Chase. I mean even Cap One, they are worthless but at least they don't get nasty with you. Chase only gets nasty if you burn them (understandable) but these guys get nasty if you even have contact with them. I guess given it's Elan (US Bank) what would we expect....

So I'll call back when I have more time and just insist they close the things I want to lose this bank. I have many more negative than positive experiences with them. I have a few positive, but they don't outweigh the bad. I'll give anyone a bad day and any bank a bad experience but when it's more bad than good it's a problem.

swipe_masta
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Postby swipe_masta » Thu Jun 27, 2013 1:55 pm

I used to have a Chase checking acct when I lived in Cali, but where I live now Chase doesn't offer any type of accts except credit cards. I live in the central hub of BofA/Wells Fargo. I miss Chase...

MemberSince99
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Postby MemberSince99 » Thu Jun 27, 2013 3:23 pm

Yeah they do seem a lot better.

I was trying to give that CSR the benefit of the doubt, but honestly, I can't see getting angry with customers whose phone cuts out, doesn't seem helpful or productive. So I really CAN'T see cutting that slack, despite me calling to close the cards. They've made money off me. I guess if they really cared about keeping my business they could have looked into combining the limits when I called to ask about it,and not waited until I called to cancel then throw that out there and get angry with me because of that and my phone cutting out. I'm just so not impressed. I can't treat customers that way I'd lose my job. Good riddance to this bank.



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