JeffM wrote:What kind of stuff do you call Chase for? I think I only called Wells Fargo for a CLI. I can't think of too many things I'd call a credit card company for - disputing charges, product changes, CLIs...anything else?
Besides what's been mentioned in terms of travel advisory and fraud alerts/monitoring..
They are good for anything you can think of credit wise, especially when you go into the branch to talk to a competent person (same goes for when you call) but that's natural with any company (there's always one dummy at least)
So lets say you want to change your credit card into another one, but don't care if you close then open that other one (to get the bonus, they always have good opening bonus)
so you go into chase to inquire about that, they help you apply for the new one but its only giving you a credit limit of 25k but you had a 50k limit on the other card you're going to close
Maybe it has to do with the fact that you opened that card years ago and the lending qualifications were more lenient back then. Maybe your income hasn't risen much or worse, fell, with inflation playing into the situation
Maybe you took on a new mortgage that made your debt to income ratio change
Whatever it is, you can't get 50k but you like it, you only spend 3k so you don't really need it but its great for utilization plus there's the whole principal of the matter
You tell the bank rep, no, I want 50k
They call the credit card specialist (less of a headache for you)
They say you can combine the credit lines, but won't give you 50k but some 45.6k and it would need to do a hard pull on your credit report
You're insistent and lucky to have a rep who would not take a no and try to find creative ways, escalates the matter and you walk away with
A new credit card that can still earn the bonus, 50k credit limit line and no hard pull.
Just one of many good stories with Chase, I'm sure there are ones to match how annoying they can be too.
**real story, names left out, figures real and this is an alternative to product change as it was a grandfathered united mileage card & the explorer one