LowCards.com

[alexanderltd]

A) I signed up years ago for a Chase CC & agreed to terms & conditions
B) their terms were limited to XYZ
C) through the years they added new terms ie) ST& U
D) I didnt agree to accept their unfair additions & changes
In business I can't change my deal with a client unless they agree

I was late twice this past year by 4 days and have 3 homes mortgaged with these bastards. Instead of CHASE thanking me for all the business they WHACK me at 31% on my credit card balance. Can I challenge these ingrates from the rape and pillage being performed on me and my family???
PEOPLE can borrow MAfIA money for 25% which is quite a savings.

Help !!! .... anyone have any ideas?
Alex

[Greg Hampton]

I guess there are 2 options you can use to approach this problem...one is honey, one is vinegar ... the honey option is going to work best but before we get started let me say that ....

A. you are right, you can get much lower rates from the mafia

B. Chase has more lawyers than a tobacco company and I am sure somewhere along the way whatever you agreed to allowed them to change rates any time they felt like it and raise the rate to 31 % if you missed a payemnt...

So knowing you are right, but that you probably don't have a legal case, the best thing to do is ...

#1 Grovel ...call in a PLEASANT manner and explain your situation and tell them how much business you ahve with them and ask them to kindly drop the rates to something you can live with....you would be amazed at how often this works, a little honey plus a little groveling plus a little look how much business I do with yall can you please help me out....if it does not work with the first rep you talk to ask for a manager in a nice way...if that doesn't work then call back in a few days....

OR

#2 Stick it to them ...suck it up and move on....if you just can not stand to call and deal with them then your other option is to find another credit card company and do a balance transfer...plenty have a balance transfer of 0% for 12 months and some even have longer... some of the American Express cards will give you a 4.99% rate for the life of the loan...so you could cut that rate from 31% to 4.99%...now that I think about it that sounds like an even better idea...so tell CHASE to shove it and move the balance to American Express if you can....

Greg

[Greg Hampton]

I guess there are 2 options you can use to approach this problem...one is honey, one is vinegar ... the honey option is going to work best but before we get started let me say that ....

A. you are right, you can get much lower rates from the mafia

B. Chase has more lawyers than a tobacco company and I am sure somewhere along the way whatever you agreed to allowed them to change rates any time they felt like it and raise the rate to 31 % if you missed a payemnt...they just don't go and pull that stuff out of a hat when they feel like it or to just punish a random person...

So knowing you are right, but that you probably don't have a legal case, the best thing to do is ...

#1 Grovel ...call in a PLEASANT manner and explain your situation and tell them how much business you ahve with them and ask them to kindly drop the rates to something you can live with....you would be amazed at how often this works, a little honey plus a little groveling plus a little look how much business I do with yall can you please help me out....if it does not work with the first rep you talk to ask for a manager in a nice way...if that doesn't work then call back in a few days....

OR

#2 Stick it to them ...suck it up and move on....if you just can not stand to call and deal with them then your other option is to find another credit card company and do a balance transfer...plenty have a balance transfer of 0% for 12 months and some even have longer... some of the American Express cards will give you a 4.99% rate for the life of the loan...so you could cut that rate from 31% to 4.99%...now that I think about it that sounds like an even better idea...so tell CHASE to shove it and move the balance to American Express if you can....

Greg

[clairebear04]

interesting discussion. thanks for sharing

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