Combining Accounts into One Credit Card

Guest: chrys
Post subject: Combining Accounts into One Credit Card
Posted: Tue Aug 16, 2005 6:42 pm

I called Chase to see if they would combine one account which was originally with BankOne and another Chase account. What I wanted to effect was one combined CL and combined outstanding debt from both cards.

They said they could only combine available credit and not the debt.

Both have 0%; however one expires next April and the other next September.

Is there a special way to ask them to do what I want or am I stuck with 2 cards until one is paid off?

Thanks

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Guest: Alexis Rios
Credit Expert (100+ Posts)
Post subject: Combining Accounts into One Credit Card
Posted: Tue Aug 16, 2005 8:09 pm

its quite difficult , unless you have another card from other credit issuers(MBNA,Citi , etc)and make a balance transfer for one of the Chase card , and with the other Chase cc send a balance transfer with the transfer fee(if any) and pay the non-Chase credit card. It costs a little more due to the transfer fee , but at least with this method you can consolidatethe balance in just in one Chase cc. The Chase cc that you want to close must be without activity for at least 90 days before closing, if not they remove $500 from their credit limit(this happened to me).

Guest: maddybeagle
Post subject: Combining Accounts into One Credit Card
Posted: Wed Aug 17, 2005 10:31 pm

I dont know any special way of asking. You cant tell them that you will close (since you have a good rate on the balance). I guess just wait to get the balance paid off....

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Combining Accounts into One Credit Card
Posted: Thu Aug 18, 2005 12:48 am

chrys wrote:
I called Chase to see if they would combine one account which was originally with BankOne and another Chase account. What I wanted to effect was one combined CL and combined outstanding debt from both cards.

They said they could only combine available credit and not the debt.

Both have 0%; however one expires next April and the other next September.

Is there a special way to ask them to do what I want or am I stuck with 2 cards until one is paid off?

Thanks

The account you are going to "MOVE" and close MUST be at $0.00

Unactivated Credit Cards on Your Credit Score

Guest: creditcrazy
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sat Aug 13, 2005 9:43 pm

hey all so i received a credit card from bank of america with a 7,500 limit and i didn't activate the card infact i called and asked for them to cancel it the same day i got it...does this get reported to the credit bureaus or no since it was never activated to begin with....just curious and thanks for any feedback.

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Guest: rain
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sat Aug 13, 2005 10:59 pm

I asked the same question before. Yes it gets reported.

Guest: Alexis Rios
Credit Expert (100+ Posts)
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sun Aug 14, 2005 9:35 am

it's true , new accounts appears in the credit reports whatever its activated or not.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sun Aug 14, 2005 2:22 pm

Activating the card tells them you got the card in the MAIL

Nothing more nothing less

NOT ACTIVATING IT WILL NOT PREVENT IT FROM REPORTING!!!

Why don't you want it BofA is a good bank and $7,500 ain't that bad...

...also you already took the inquiry

I WOULD CALL UP AND TELL THEM YOU MADE A BIG MISTAKE YOU WANT IT!!!

Guest: rain
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sun Aug 14, 2005 3:22 pm

I missed reading that you cancelled it. Its going to show as a closed account......

Guest: cknykid
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sun Aug 14, 2005 4:34 pm

closed a good account.

Guest: murrr77
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Sun Aug 14, 2005 10:12 pm

I just got a 15k one form First National, makes me mad because I didn't sign up for it, they must have just applied me for it when I opened a checking account. Can I make them remove it from the reports since I didn't ask for it?

Grrr...one month before insurance is due, last time it went way down but noticed "I did not qual for the lowest rates because I had between 10 and 20% on my CCs, 4 inquiries within the last 2 years and an auto loan within the last 5 years" Tight stipulations! Well, I've taken care of most of those but now it sounds like I've got another damn inquiry.

Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Unactivated Credit Cards on Your Credit Score
Posted: Thu Aug 18, 2005 1:01 am

I'LL TRADE MY "ADVERSE ACTION" BECAUSE OF "EXCESSIVE AVAILABLE CREDIT LIMITS"

(not used...just available)

AS IF AVAILABLE CREDIT LIMITS "CAUSE" ACCIDENTS...TICKETS...and CLAIMS!!!

American Express Blue Credit Card Review

Guest: credit advisor
Post subject: American Express Blue Credit Card Review
Posted: Sun Aug 14, 2005 3:56 pm

I'm very pleased with my new American Express Blue card - I almost can't believe it.

I'm paying 0% interest for 15 months. Plus I'm earning 1 rewards point for every $1 spent. I'm planning on using my rewards points for airline tickets and am already close to having enough points for a free ticket.

After the 15 months are up, I don't plan on carrying a balance. So, I'll be getting free travel without paying any interest. There is also no annual fee.
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Guest: Board Monitor
Board Monitor/ Administrator
Post subject: American Express Blue Credit Card Review
Posted: Mon Aug 15, 2005 9:46 am

Greetings and welcome to the board! Please add your affiliate link to your signature line only. Thanks for your cooperation and for supporting the board!
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Guest: maddybeagle
Post subject: American Express Blue Credit Card Review
Posted: Tue Aug 16, 2005 7:39 pm

0% on purchases isnt too exciting. give me a good balance transfer...

Guest: credit advisor
Post subject: American Express Blue Credit Card Review
Posted: Tue Aug 16, 2005 9:43 pm

If you're looking for a good 0% balance transfer card, I would go with Citi Platinum Select or the Citi Dividend Platinum Select. Both of these cards do not charge a fee to transfer your initial balance upon opening the account.

I prefer the Citi Platinum Select due to the lower interest rate, but if you are interested in earning cash back, the Citi Dividend Platinum Select offers up to 5% cash back.

You will need very good credit to get approved for these cards. If you don't have the best credit, then I would look at the Chase offers which do have balance transfer fees.
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American Express and Discover Cards

Guest: Mr. Marcus
Post subject: American Express and Discover Cards
Posted: Thu Aug 18, 2005 12:19 am

I already have a MC and Visa, and was wondering what's best for
someone who likes cashback but really doesn't care that
much about it.

I would like to know which card is more accepted as well.

I also pay my entire bill each month so an Amex charge card wouldn't
be a problem for me either. I don't regularly charge a huge amount
on my cards, But from time to time I do make large purchases.

Trying to decide between Amex blue and Discover.

Cheers

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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: American Express and Discover Cards
Posted: Thu Aug 18, 2005 12:46 am

GET AMEX BLUE

I really prefer AMEX DELTA

DISCOVERCARD is not that good of a payback
(WAL*MART/SAMS--->0.0025 MAX EVEN IF YOU SPEND $30,000!!!

You have to "WORK UP TO" 1.00% (for other stores than WAL*MART/SAMS)

Guest: guessindigo
Post subject: American Express and Discover Cards
Posted: Tue Aug 23, 2005 10:36 pm

Delta is good, but IMHO if your going to get Delta, then get the Plat Delta to maximize miles, worth the extra fee over gold.

I hate discover. Mostly midprime IMO.

Chase Business Credit Cards

Guest: rainyday
Post subject: Chase Business Credit Cards
Posted: Tue Aug 23, 2005 5:45 pm

I have no idea why but I got a pre-approved Chase Business Card in the mail today and I don't own a business! It's a rewards card with great rewards on it that I could put to good use.
3% back in full up to $20,000 of qualifying purchases on:
all gas stations
all restaurants
all taverns
all office supply stores
all home improvement & hardware stores
everything else 1% unlimited
My question is it possible to apply for this card even though I don't have a business? Has anyone out there done this successfully? I have the Citi Dividend Card that I use for gas, supermarket and drugstore and this card would fit in nicely!

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Guest: Board Monitor
Post subject: Chase Business Credit Cards
Posted: Wed Aug 24, 2005 7:51 am

Hmm...I suppose it is possible, but have never heard of anyone doing so! Usually, it's the other way around. Have you looked over the application?
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Guest: maddybeagle
Post subject: Chase Business Credit Cards
Posted: Wed Aug 24, 2005 8:15 am

excluding office supply stores (unless you do a lot of shopping there), I think you can get a better deal on the discover card. They have a 5% card for home improvement stores or one for 5% on restaurants. You have to pick one or the other, though, or have 2 cards.

Guest: Woolfman
Post subject: Chase Business Credit Cards
Posted: Wed Aug 24, 2005 11:53 am

I have also recieved that offer "rainyday"
and I also do not own a business , I have hesitated to
apply also wondering if there could be some conflicts.

I have been getting this offer multiple times for a few months
and everytime there are some changes to the offer.
I got the same one you are speaking about and I also
recieved one that said 3% back at all "fast food joints" which I thought was
kind of neat because my 5% resturant cards only seem to give me 1% at
fast food places and coffee shops.

the application has a spot at the bottom for a business name
but it dosn't say that it is required.
and the line you fill out to get an additional card asks for
your "employees" names.

I'm holding off for now.