no1mrrythem

Perhaps you may have some insight as to why a vp at local chase branch could not provide an honest answer. At this time i did receive the (small loan) $1800!!!! However, this does not excuse the unprofessional(6week) treatment by Chase....do you not agree? Also , i could not help but notice the MANY others on this site that have had some form of problem with Chase. Here again, this seams to be a pattern for chase....do you not agree?? Thank you in advance for your answer.. as i went with Chase based on CK recommendations! Thank you again for your anticipated answer!!!

By now i am guessing credit Karma prefers not to answer my credit questions of March 17 th and 18th regarding Chase bank and my 0% loan. My question(s) are very straight forward. Thanking you in advance for your response!!

YOU ARE CORRECT!!!! MY QUESTION IS TWO FOLD.....WHY SEND ME AROUND THE WORLD TO THREE CONTINENTS WITH A FABRICATED ANSWER AS TO WHY NO COMMITMENT. I APPLIED AND COMPLETED A MORTGAGE AND MOVED INTO MY HOME ALL IN 10 DAYS AND TODAY IT HAS TAKEN 48 DAYS FOR A SMALL $1800 0% TRANSFER CARD TO BE APPROVED BY A COMPANY I HAVE BEEN WITH (WITH PERFECT PERFECT CREDIT---AS WITH ALL MY OTHER CREDIT)FOR OVER 28 YEARS!!!! NO, MY CREDIT IS PERFECT AND MY SCORES ARE ALL IN THE 800'S!!I guess my former question(s) and statements were confusing. None the less my points in my former statements ( why we are in so much trouble (lack of jobs etc.) still apply! thanks again. Also--(previous comments) when you go to the source (chase branch v.p.)and he cannot--or will not answer you STRAIGHT-- something is wrong in this homeland! I for one fought hard for my(and your) rights and to have this childishness being played by our currant generation is sickening!!! Again. your comments will be appreciated!! Thank you.

AS A FOLLOW UP TO MY SUBMISSION I SHOULD HAVE EXPLAINED THAT MY CURRANT UTILIZATION IS 3%!!!!

I take issue with several statements listed above. IE: Hard inquiries... MINE---- (1) put there by chase--- on feb. 12 -2010 !! Age of oldest trade....28 years guess who(CHASE )(never late most always carry a $0 balance and/or pay off each month)!!! Presence of mortgage!!!! You say owning a home can actually help you when it comes to underwriting... mortgages denote stability!!! Maybe.. but I own my home and have for many years and also my cars. My opinion ... this (credit scores) is all for the total and complete benefit of lenders and banks and while this is not all bad it is very deceitful in that the consumer has no idea what scores(more revenue makers) are the PROPER ONES.It is typical cat chase tail!!!SPEND SPEND SPEND. That is what the banks and credit score companies want!!! I applied (with chase a CO. I have been with for 28 years) for a 0% balance transfer ($1800.00) on Feb.10 th. 2010 and of this date i have received always the same response...you will hear from us within 10 days. Of interest.. the answer at first came from Manila, than later from Taiwan than the Philippines and on and on it goes. Just another situation (outsourced jobs) why our country is in trouble!!Finally I made the effort to go to a local chase branch (28 miles one way) and could not get a resolution there either!!! Now who am I???? I am a private business owner (40 years)! Same state! Absolute perfect credit report and scores AS OF THIS DATE(807-804-825)! I own my home and I own my cars, and have a very large credit line.However, I am unable to get satisfaction($1800.00) from chase... Could be a good idea to stay away from them.....HOWEVER.. look who the loser is if i cancel my cards( the consumer(me)). Now that I own CHASE I cannot get A loan from them. HOW IRONIC. Good thing i do not need the money!!!!REST ASSURED 50 CENTS WORTH OF GAS A MONTH WILL NOW COST THEM (IN OVERHEAD) AT LEAST $3.00. THANKS FOR hearing me out!Karma what is your take on this one???? I HAVE NOW BEEN AWAITING AN ANSWER FOR 37 DAYS!! I await your thoughts BEFORE CONTACTING THE FTC. Thank you!

Thank you for the above answer!!However, my point is my score has been dinged for what i truly believe are all the wrong reasons. (1) I do not have a mortgage(I own my home for past ten years!) Sams club cut my limit from 2K to $175.oo (0) balance . They sent me a letter saying because i have no mortgage!! This is nuts!!! (2) Now i am told because i will not have any car payment as of this month ----my score will go down!!! This is also nuts. Ps my scores are in the 800's. This score business is designed for the banks etc. benefit. I agree it has some merit but when you cannot understand the rules you will never win!!! (3)I also understand (some of the rules we never are told) my 30k lineS of credit ARE dropped from my total credit lineBY TRANSUNION AND IS NOT USED IN THEIR UTILIZATION FIGURE!WHY??? ONCE AGAIN THANK YOU FOR YOUR RESPONCE! yOUR COMMENTS PLEASE!AND NO I AM NOT COMPLAINING BUT FEEL BAD FOR THOSE STRUGGLING WITH A SYSTEM THAT IS STAKED AGAINST THEM!!And yes that includes me because i pay all my bills on time--do not have a mortgage nor a car payment and my credit line (sams club)was cut and my credit score has taken two hits!! Sorry, but this does not equate. Thanks again for hearing me out and your concerned input---it is always appreciated! ken

Why should paying off(car loan)this loan have a negative affect?And why should" anyone" TAKE COMFORT in the fact that if NOT HAVING an installment LOAN "LOWERED YOUR SCORE"!!!! This makes for stupidity and please note there are two questions here! Also , I seriously doubt these questions will be answered !!!!!! Ty ken

The above statement is so true! do anything to disrupt your credit ( check for a mortgage , check car insurance rates, check house insurance rates, charge $30.00 dollars on your credit card and within minuets your CREDIT REPORT AND SCORE WILL BE AFFECTED AND UPDATED!!! However, pay off the $30.00 and WAIT, WAIT, AND WAIT and just maybe it will get reported to your credit report within 90 days. Sounds BIAS towards the consumer. Any body care to challenge my statement??? And can anyone advise why this is so AND is this FAIR to the consumer??? Can credit karma please respond? Thank you!