Credit Card Companies Good/Bad

[Chip NoVaMac]

citi did not give a credit card to me

I have amex gold with great credit history, and I recieve several mails every day offering pre-approved credit cards. And I just wanted to have one from citi, as I have my bank account there and they said no weird people.

I may be wrong, but CITI among others uses the double daily balance method of computing finance charges. This can cause you higher interest rates if you choose to carry a balance.

 

[bemylover]

I may be wrong, but CITI among others uses the double daily balance method of computing finance charges. This can cause you higher interest rates if you choose to carry a balance.

I don't care, as I won't take their card even if they ask me on their knees. I've never been so insulted in my whole life.

 

[kygeographer]

I've had GREAT luck with Chase, personally. Generally low interest rates (one of my cards is fixed at 10.99, and has been for the last 5 years), and their customer service is pretty good too.

 

[OnceUGoMac]

citi did not give a credit card to me

I have amex gold with great credit history, and I recieve several mails every day offering pre-approved credit cards. And I just wanted to have one from citi, as I have my bank account there and they said no weird people.

Pre-approved applications don't mean jack. They calculate those things months before you ever receive them.

 

[yg17]

I have an Amazon/Chase card. They've been good to me. 0% APR for 6 months (took advantage of that to buy expensive things I wanted a couple weeks before payday ) and as mentioned before, after you spend so much money, you get a $25 Amazon gift certificate. Plus, as long as you apply through Amazon and get approved, you get $30 off your first Amazon purchase; thats how I ended up getting a new laptop bag for 7 bucks

 

[floriflee]

I have an Amazon/Chase card. They've been good to me. 0% APR for 6 months (took advantage of that to buy expensive things I wanted a couple weeks before payday ) and as mentioned before, after you spend so much money, you get a $25 Amazon gift certificate. Plus, as long as you apply through Amazon and get approved, you get $30 off your first Amazon purchase; thats how I ended up getting a new laptop bag for 7 bucks

Don't use Chase if you think you'll ever have to deal with their customer service. The hubby has the Chase One Pass Continental card (gets Continental miles on it). He's had a battle with it every step of the way trying to get the perks the card offers, including getting the bonus miles, the companion travel ticket, and getting his free passes to the Executive lounge. Each one has taken him several phone calls, at least six months, and threats of cancelling the card to get.

I financed my car through Chase, and the whole experience of trying to get my title made me swear them off forever. It took over a month AFTER I paid off the loan and a dozen angry phone calls every day to get it. What part of "You have my money. I need it tomorrow to get it to my buyer" did they not understand?? When I asked to talk to someone in their titling department directly I was given the point blank answer that the people in their titling department don't have phones. What?!?! I'm sorry, but I'm bitter with Chase. I will NEVER use ANY of their services EVER AGAIN, if I can help it. Save yourself the potential trouble of having to deal with them. They have the WORST service EVER (and I do tech support for a living so I have an idea of how it should work)!

 

[yg17]

Don't use Chase if you think you'll ever have to deal with their customer service. The hubby has the Chase One Pass Continental card (gets Continental miles on it). He's had a battle with it every step of the way trying to get the perks the card offers, including getting the bonus miles, the companion travel ticket, and getting his free passes to the Executive lounge. Each one has taken him several phone calls, at least six months, and threats of cancelling the card to get.

I financed my car through Chase, and the whole experience of trying to get my title made me swear them off forever. It took over a month AFTER I paid off the loan and a dozen angry phone calls every day to get it. What part of "You have my money. I need it tomorrow to get it to my buyer" did they not understand?? When I asked to talk to someone in their titling department directly I was given the point blank answer that the people in their titling department don't have phones. What?!?! I'm sorry, but I'm bitter with Chase. I will NEVER use ANY of their services EVER AGAIN, if I can help it. Save yourself the potential trouble of having to deal with them. They have the WORST service EVER (and I do tech support for a living so I have an idea of how it should work)!

Well, thats something for my family to look forward to in a few years as we have 2 cars financed through chase

 

[floriflee]

Well, thats something for my family to look forward to in a few years as we have 2 cars financed through chase

It may not be so bad for you (hopefully). I was in a bit of a rush at the time because I was selling to my car and the buyer was without a car of his own. They were just very hard to work with as they were very resistant to helping me out (even after explaining my situation) unless I REALLY pushed them and yelled at them.

If you don't need the title right away then it may not be that big of a deal. Just be warned that if you do pay it off early you check into how the different payment methods are processed with Chase. They take anywhere from 5-9 business days depending on whether or not the payment could be certified (I'd recommend wiring the money to them, if you can). Tack onto that time mailing time and possibly extra DMV processing time (depending on how the DMV processes lien releases in your area). Also, I learned that the reps you talk to are not trustworthy. I got so many conflicting answers from so many different reps it's not funny. Definitely speak to a manager if you need to get important information.

In the end, I ended up wiring the money to them, calling them every day, and then BEGGING them to find some way to talk to the Titling department so they could do an emergency electronic lien release with the VA DMV. Luckily, I had a good buyer who was VERY patient through the whole process (poor soul).

 

[Chip NoVaMac]

I financed my car through Chase, and the whole experience of trying to get my title made me swear them off forever. It took over a month AFTER I paid off the loan and a dozen angry phone calls every day to get it. What part of "You have my money. I need it tomorrow to get it to my buyer" did they not understand?? When I asked to talk to someone in their titling department directly I was given the point blank answer that the people in their titling department don't have phones. What?!?! I'm sorry, but I'm bitter with Chase. I will NEVER use ANY of their services EVER AGAIN, if I can help it. Save yourself the potential trouble of having to deal with them. They have the WORST service EVER (and I do tech support for a living so I have an idea of how it should work)!

I hope that I don't have these issues. My Subaru Baja was financed by Subaru through Chase. I did have an issue with them about online access and payments at the beginning of the loan. Poorly worded legalese should have given me the ability to do it. But it required getting a bank or credit account with them.

I'll repeat my warning about credit card offers. Check to see if the use the average daily balance method, or the "double balance" method. The double will cost you more in the end if you carry high balances.

 

[maya]

I honestly only use my Credit Card to delay my payments for a month and get points or rewards for that month. I always have the cash on hand when I buy something so why not reap the benefits along the way.

And I only have Platinum in my pocket, no annual fee either.

 

[Chip NoVaMac]

As to ATM/Debit VISA/MC cards. Depending on the "banking relationship" you have it can save you money if you travel overseas. I just checked my account status. I was charged only $1.77US per a GBP. Pretty good IMO.

 

[nbs2]

I hope that I don't have these issues. My Subaru Baja was financed by Subaru through Chase. I did have an issue with them about online access and payments at the beginning of the loan. Poorly worded legalese should have given me the ability to do it.

Subaru through Chase? That's what we (floriflee and I) had in the nightmare she talked about. But, maybe things will be different for you....

And, I would suggest never getting a card through Chase. I have one, and I only keep it because my miles are locked in to Continental. If I can find a nice card (maybe an Amex or something) that will help me keep accruing miles, I think I'll do it. Until then, I speak to you as one who is trapped and warning all others away.