This was the first card i got after my divorce. I was approved even though i had collection accounts and my credit score was around 570. It only has a 500 dollar limit, but it lead to 2 capital one cards, Discover Card, Barkleys, Bank of America, Wells Fargo, Citi, and a Kohls card for the discounts. My favorite card because i didn't need a secured credit card to fix my credit and it saved me a ding because i don't have to close a secured card on my report. Thanks Chase!
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I got this card to give myself more time to pay off an unexpected cat surgery. I transfered a balance of $1800 from a higher interest card, and the 0% transfer for a limited time was more than fair. The credit limit was $3500 with score of 767. No complaints there as I wasn't looking for more borrowing power. Where this company falls down is in customer service and ease of use. It's a slightly convoluted and counterintuitive process to simply make a payment. I found the branded "products" like "Finish It" etc, a bit unnecessary and complicated.
I recently closed this card and here's why. Three weeks ago I switched bank accounts. I spent a whole day calling and updating cards, bills, autopays, etc with the new account information. On the Chase website, my auto pay account clearly showed that paymernts were now directed to my new account; my old bank account was no longer listed. Yet, just this week, the automatic payment drew from the OLD, soon to be shut down account, which didn't have enough funds in it. Thanks to the miracle of overdraft privileges, the payment went through, which paid off the balance, but I was charged $27 in overdraft service fees by my bank. I called Chase and asked why my payment had been charged to the old account, when I had taken every precuation and had been assured that the payment would come from the new account. The first rep I spoke to, told me that for all he knew, I might have set it up "15 minutes ago" and he wouldn't know any differently. I assured him that I had NOT just set it up 15 minutes ago, and frankly I felt really angry that he would accuse me of lying for reason. He then said that their system doesn't show WHEN a request to change payment accounts is made. I told him that it's not acceptable; both Chase and I should be 100% clear on where an autopayment will be coming from. There's no reason not to know that information. He told me he'd "get" me to someone who could help. I explained the issue to another rep, who told me vaguely that "the accounts aren't linked until you get clearance from us." I said that everything online indicated that the new account WAS linked. She said that it "may show up like that" but it isn't really until you receive a "special message" from us. I asked when this "special message" was supposed to arrive because I had set up the new draft account three weeks prior, and that in the digital age, one doesn't expect it to take weeks or months to re-point an electronic draft. I was also NOT advised to make a manual, one time payment when I had called before to make sure it was set up correctly. The rep said, and I quote: "I don't know. It just shows up." I suggested that Chase take care of the $27 overdraft fee assessed, while I wait for this mysterious message to "show up" and she said: "We can't do that because the computer doesn't show it as our banking error" whatever that means. Mind you, I had been using and paying this card off regularly. I probably charged and paid off more than $10,000 in bills, groceries, travel etc etc, and not once had I missed or been late with payment. In fact, my balance was zero. I decided the card was not worth it. There's no extra benefit to this card over any other; I don't have a credit worthiness problem and there are lots of better cards out there for everyday use. If they had refunded the overdraft fee, or at least been able to define and explain their own process (eg, HOW exactly is one supposed to know where an auto pay is coming from if you can't trust what it says on your account, or what you're told on the phone?) I probably would have stuck with it if they'd been more respectful and fair. Instead, I closed the account.
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