I've had this Chase card for about 15 years. A few years ago Chase converted my card to the slate card. With that came all the online payment plan tools which I love. I set up a pay off plan and I pay the blueprint payment every month. I have already paid off one balance transfer this way. I now have 3 balance transfer programs in the works. Although canceling a blueprint plan will glitch it out and at the moment I cannot make it again, I still have one going. Its easy to see when my balance transfer period expires so i can pay it off before the interest goes up. Overall im very happy with this card and impressed that chase would offer these tools.
janiesuper's response was:
I think its always worth challening a mistake on your report. Why suffer and pay for this mistake if it isn't yours?
I had a "30 day late" mark on a line of credit from my credit union, which was late only a few days. I tried challenging it with my credit union several times with no luck. Over time, this thing became over a year old, so they werent able to see it in their records, but it still showed up on my credit report. I challenged it via my credit bureau and since the credit union cant see their own records, its now gone
this article is NOT informative. i recommend reading wikipedia articles on FICO and vantage scores
I use it for everything. My interest rate is13%, my CK score is 715. Nice website. easy to pay multile times a month. I got a limit boost when I asked. Card accepted everywhere. Cash at walmart and albertsons like a cash card. Occasional 5% cash back and account credits. Custom photo on card.
i think some of you are confusing credit history with debt history. a credit history is a history of open credit lines or loans that are not in default. The longer they are not in default and open, the better. Having debt does not improve your credit history. All your accounts can be at zero, and you can have a good credit history. Most people are not at zero however, but if they pay their bills on time every month, this is a good credit history. Careful you are not in too much debt, if your debt to credit limit ratio is too high, this is bad for your score.
I was denied for this back when i was shopping for cards. I did get approved for two citibank credit cards at 10% and my CK score is currently 714, and was lower when i got the cards. citibank premier pass (reward points) and citibank diamond preferred. I dont think a high credit score is necessary to get the lowest rates, just go with a different card.
This isn't a map of financial responsibility. Someone who has never had a credit card (credit history) could be very credit worthy, but they don't have a high score. I think the value in this map is your chances of obtaining a good loan in each state. The lenders will compare your score to the average of the people in the city or the state, and you may need a higher score in California just to compete.
i have read elsewhere that it makes no difference in the calculation of the FICO. Can the moderators expand on this in a new article? it would be helpful thanks.
janiesuper's reply was:
Its Feb 2010 now. The highest interest rate you can get on a CD or money market is around 2.7% if you are lucky.
same thing happened to me, i feel your pain.