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  1. http://www.reuters.com/article/2013/03/07/usa-banks-creditcards-probe-idUSL1N0BWM3I20130307 When the banks sell delinquent credit card debt to the JDB's they provide very little information - just a list of accounts, names addresses and SS#'s if they have it. and most times, the accounts are sold " without recourse " - meaning that the banks don't guarantee that this information is correct , and there is no recourse available to the JDB's if the accounts sold were disputed, ID theft or due to additional charges after the consumer paid off the account. The JDB's then us
  2. I've been wanting to get a Chase Freedom, but I have no credit history at all (AFAIK -- CreditKarma said it couldn't find anything for me). The plus side is that I am about to start a job making ~$160k/yr gross income. How likely is it that they'll approve me? More details: - 24 years old - I've been a student up until now, and never needed a credit card or any kind of credit before. I only recently realized that I've been missing out on cash back & bonuses, and also building a credit history. - Since I was a student with not much income, I have virtually no money saved up (only les
  3. Hi, CBers! Looking for advice about Chase and Southwest cards, particularly how it applies to obtaining a Companion Pass. Any input is appreciated, especially if you have personal experience with any of the scenarios described below. As always, thank you all SO MUCH for any help that you can provide! Long story short, I have determined that it was time to update my credits cards earlier this fall. Particularly, I decided I finally want to get the CSP, for its 2x points on dinning and travel and the transfer options into Southwest and United, which are the number one and two airlines
  4. Just called the Chase recon line regarding my Sapphire Preferred application. Called up and spoke to a really nice gentleman for about 15 minutes. I had a security freeze on Experian and I gave him the pin to lift that. He asked me a few questions about my BK in 2010. He asked about my mortgage and income. Then put me on hold for about five minutes and came back saying that he had to send it up the ladder for further review because of the BK. He said in 7-10 business days I would either get my card in the mail or an explanation for the decline. I asked him what his thoughts were
  5. On my way to Atlanta yesterday I got a text. I was suspicious When I got home I checked out online banking, nothing I then checked my email, email from Chase Fraud I clicked the link in the email, page error I called today. Actual card was used to purchase $200 at a dollar store in Columbia SC. Chase said it was in in store purchase so someone had replicated my card. My Freedom card was used at Home Depot and Target. New account One more TL This is the 2nd CC of mine to get hacked in the last 2.5 years.
  6. Hey fellow CBers: I hope everyone is enjoying themselves during this time of year. I have a question. On December 15th I FINALLY embarked on my app spree after putting it off for longer than I had wished. Well it paid off (more to come on that in another post! ) My question is, I checked my mail on Tuesday and had an Invitation to apply for the Freedom Card. Here is my dilemma/question: 1) During my spree I app'd for and was approved on the CSP $22K and Ink Plus $10K (though I feel that I could have received more had I answered other usage questions with higher numbers). So will
  7. Back in 2010 I filed ch 13 bankruptcy, converted to 7 in 2011 and discharged in Jan 2012. House was included and I never reaffirmed or paid the mortgage..stayed in home paying taxes and insurance waiting for them to foreclose. EMC and Chase sold the servicing to realtime resolutions. Debt for home was discharged and shows on report as included in bankruptcy. Last spring I recieved a lien release for 2nd mortgage and now yesterday I recieved a lien release for my first mortgage from Chase. Since the debt was discharged, did the bank just give me a house?
  8. A little background.... I spent the last few years with FICOs bumping around between 650 & 680 as a result of several charge-offs and their associated late payments. The last one aged off in late October and when my scores didn't pop up at all I discovered there was a misreported delinquent account on all three reports. With the help of all you great folks here at CB I got that removed and BAM! 770s across the board in November! That left me with three cards in my portfolio- Merrick Bank @ $3100 CapitalOne QS @ $1000 DCU Visa @ $6000 As soon as my scores popped up I
  9. Hello everyone. Happy Holidays. I received an invitation to apply for the Chase Slate card. Applied and received a decline. The decline is based on my TU, per the decline letter. I had no baddies, until Ocwen started reporting a mortgage that I lost in 2008, and stating that I was late in 2013, but now its current. I don't know if I should call chase and if i do, I don't know what to say. any advice? One or more accounts are not paid as agreed Length of time since oldest credit card was opened is too short Length of time since newest account was opened is too short Too many accoun
  10. Emboldened by my recent and successful app spree, but disappointed I did not top my existing high limits, I am ready to start aggressively tackling CLIs. Start with Synchrony: I have a Home Design Furniture account. CL is $6,800. As of Friday, balance will be zero. I have a Care Credit. CL is $2,500. By next week, balance will be zero. I have a Lowe's. CL is $5,600. By next week, balance will be $2,500 (no interest). I see many posts on here to go for $35,000. My highest CL is $8,000. Should I go for $35,000 on all three and just let them make counters if that is not feasible? A
  11. I received a pre-qualified offer from Chase Slate. When I use the chase pre-qualifier it says there are no pending offers. Does this mean anything important that i should be concerned or aware. Let me know. Thanks in advance for your responses.
  12. Seeking advice.... I am about to embark on an App Spree and need to decide on either CSP, which I am pre qualified for OR the British Airways Card. My only issue is I have a 19yo going to Study Abroad in Austria May 2015 and he is traveling with classmates and BA is what they want to fly. I was gonna get DW to app for the BA card in Q1 2015 and buy ticket then, but kids wanna buy tix before Xmas break. We both plan on getting the card, just wondering if the 2.5 Avios is worth passing up the CSP now. Sorry if it's a ridiculous question or a no brainer I just missed, lol. Thanks for your feedba
  13. $300 chase total checking $100 chase savings coupon code WE777222367X2RGR Will mail it to you if you PM me
  14. Up late again reading Creditboards and have a question. I am going to do an app spree in November and want to get a few Chase cards. I am pre-approved currently for their Freedom and Slate, but I also want to app for their Ink w/ the 70k bonus. Yet I don't wanna screw up my potential pre-approvals either, any advice?
  15. Simple question. When do they release the Cash Back Calendar for next year?
  16. Hello CB members - New girl here. I have been reading and I appreciate all the good advice I see here. There are a lot of experts here. :-) I would like to start earning points to travel on my own and I have read that Chase is a good place to start. I checked my pre-qualifications on the Chase website and it returned the following results - Marriott Rewards Premier Signature Visa United MileagePlus Explorer Card Sapphire Preferred (but I already have one) Slate Freedom Which should I apply for? I know some here have had good results from applying for multiple cards on the s
  17. Marriott is again running their 70,000 point bonus promo if you sign up for the Chase Marriott Rewards Premier card. You only need to spend $2,000 the first 3 months. The typical bonus is 50,000. A a card-member, you get a certificate for 1 free night every year. Typical rooms at their mid-level brands are 15,000-25,000 points, so in addition to the free night, the 70,000 points will give you another 3-4 free nights. You just have to look on a case by case basis. Many of the modest brands like Town Place, Spring Hill, or Fairfield can be had for 7,500-10,000 points per night, so 70,00
  18. In addition to reporting at statement date, it seems Chase is making additional credit bureau updates when you bring your account to zero. My statement cycled on the 12th and they reported a $400 balance. Paid the $400 on the 15th and today they reported again with a $0 balance. It's the second time that Chase has done that with me. Not sure if the threshold is $0 or not. Maybe next cycle I'll try and see if they update by paying off 50% soon after statement date.
  19. My last CLI spree around September 22-24 resulted in CLI's on 4 or 5 cards but got the 7-10 day notice from CHASE. After I got the letter I recon'ed it. They totally screwed me up by doing this. Got a secure message from them early today saying "Per your request" we have decreased your Credit Limit Got on the phone with them and had to tell my story to 3 different CSR's and literally waited on the phone with them for over 45 minutes just to get my Credit Limit back to what it WAS because they screwed up. Telling them I NEVER requested a CLD and that THEY made the mistake on
  20. My Chase Marriott statement cuts on the 26th. For September, that statement showed a horrific balance of $7900, on an $8,000 limit. I was awaiting a large reimbursement which arrived a week later than I expected. On October 1st, I paid that balance off in full, along with smaller balances on my two other Chase cards (they have statement closing dates of the 15th & 17th). When I updated my reports today, all three Chase cards show with a zero balance, updated October 1. I have never had a credit card update mid-month like that, but and I am thrilled I will not be showing
  21. I got a gift of sorts from Chase... Late last month (Aug 2014) I applied for a Marriott Rewards Premier Card. I froze EX like a good soldier and applied online for it (no previous Chase cards or history) I didn't get an online approval but it said pending. So I get a call from Security department saying that due to a fraud alert on my TU report my app needed further review. My TU had an alert because my wallet was lost/stolen. I answered a few questions like what was my address back in so and so year and could I name 2-3 of my oldest or closed cards. Then the agent said "
  22. Well after trying to freeze my EX report online I finally broke down and called them. Only took a couple of minutes but I just despise talking on the phone to "credit people". Maybe not "credit people" but it just amps my blood pressure up, LOL. Anyway, after I got my EXP frozen I applied online for a Bank of America credit limit increase. Had it over a year in June of 2013 and they started me off at $10,000. I left the amount I wanted out an applied, but it came back stating I had to put an amount in the CLI box so I put $25K. Came back with it increased to $18,000. I'll take tha
  23. I am seeing an attorney tomorrow re three old chargeoffs -0- balance on EX. although these are paid of no VoD c/offs. Although NY 5 yr purge requires their deletion, EX does not enforce or follow this state law. There is no way to pay the original OC's as they were sold to CA/JDB and have been resolved with those parties. All are past SOL due to NY SOL and the home state ruling here in NYC of the CC's SOL. These will be on my TL's with EX until early 2016. They are all off my other CRA's. My reports, excepting my mortgage which is in court, is clean but for these. It also rules out r
  24. Had a 60 day late 2 years ago on my chase card, sent a goodwill letter, and they came back with cold denial based on 'accurate information was reported' remark. Below is my response. I plan to mail monday, let me know your thoughts. Hopefully not too harsh for it's own good. 8-22-2014 Regarding: Account No. Cardmember Service PO Box 15153 Wilmington DE 19886-5153 To XXXXXXXXXXXX: Thank you for your response to my inquiry dated 8-2-2014 regarding the above referenced account. I have considerable respect for your company and not only the reputable name Chase has created for
  25. A certain hotel restaurant cloned my Chase card and tried using it to purchase online air tickets from a site in Romania. Fortunately, Chase declined the charge as the merchant uses AVS. Now I see the account on my credit reports as closed with N/A in every field except for status. For status it states "No Status". Under Consumer Remarks it states: "Account in dispute under Fair Credit Billing Act." WTF does this mean? When I activiate the new card will this change to reflect the new account data? Or will I get a whole new tradeline? What else do I need to expect?
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