Visa Credit Card from Chase with 0% APR?
Guest: wierdo
Post subject: Visa Credit Card from Chase with 0% APR?
Posted: Wed Aug 16, 2006 8:13 pm
Citi is claimed to report the limit on the World MC products if you fax them a written request to do so. Once I get my Visa from Chase (presuming they approve me for the Signature rather than the Platinum), I'll be asking them if they'll do something similar.
Alternatively, I could use the BT check they send to deposit most of my CL in the bank and PIF it a month later, making my high balance the credit line. Of course, with a 3% fee with a minimum $15 and max $75, that could get rather expensive, although I suppose I could open an Emigrant Direct account and leave it on deposit there until I make back the $75.
I personally have little interest in the ability to exceed my credit line with no fee, as I have more than enough available credit to charge most any business expense I would have, and if I don't have the money on hand (or enough to pay it off in at most 2 months, if it's something I have a pressing need for) for a personal purchase, I won't make the purchase. I was attracted more by the 0% on BT and purchases until 3/08.
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Guest: Board Monitor
Board Monitor/ Administrator
Posted: Thu Aug 17, 2006 8:57 am
Quote:
I received an offer ( so called pre approved) for 0% on purchases and transfers till March 2008 then 8.9 fixed thereafter.
Wow! Where do I sign up?!!? Chase hasn't rate jacked me (have a couple of BT offers with them currently)...yet.
_________________
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Guest: wierdo
Posted: Thu Aug 17, 2006 10:00 am
Board Monitor wrote:
Wow! Where do I sign up?!!? Chase hasn't rate jacked me (have a couple of BT offers with them currently)...yet.
Opt in. Sadly, the offer is only available in the mail. I just got mine last week, though, so surely they'll get around to you eventually.
BTW, it's the Rewards card, too. Not that I'll probably ever earn a single point since I'm only going to use it for BTs.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Perfectcredit
Posted: Thu Aug 17, 2006 10:42 am
Quote:
Closing old accounts isn't a good idea because it reduces the average age of your accounts, making your score lower, making Chase ratejack you.
I closed my Macy's account which was my oldest account and it knocked off only 10 points across all my scores. I rather close and unused account than leave it vunerable to identity theft.
_________________
Wellsfargo Platinum Visa - $2500, Bank of America Platinum Visa - $600, Amex Blue - $6600, Citi Select Dividen Platinum - $3000
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Visa Credit Card from Chase with 0% APR?
Posted: Wed Aug 16, 2006 8:13 pm
Citi is claimed to report the limit on the World MC products if you fax them a written request to do so. Once I get my Visa from Chase (presuming they approve me for the Signature rather than the Platinum), I'll be asking them if they'll do something similar.
Alternatively, I could use the BT check they send to deposit most of my CL in the bank and PIF it a month later, making my high balance the credit line. Of course, with a 3% fee with a minimum $15 and max $75, that could get rather expensive, although I suppose I could open an Emigrant Direct account and leave it on deposit there until I make back the $75.
I personally have little interest in the ability to exceed my credit line with no fee, as I have more than enough available credit to charge most any business expense I would have, and if I don't have the money on hand (or enough to pay it off in at most 2 months, if it's something I have a pressing need for) for a personal purchase, I won't make the purchase. I was attracted more by the 0% on BT and purchases until 3/08.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Thu Aug 17, 2006 8:57 am
Quote:
I received an offer ( so called pre approved) for 0% on purchases and transfers till March 2008 then 8.9 fixed thereafter.
Wow! Where do I sign up?!!? Chase hasn't rate jacked me (have a couple of BT offers with them currently)...yet.
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: wierdo
Posted: Thu Aug 17, 2006 10:00 am
Board Monitor wrote:
Wow! Where do I sign up?!!? Chase hasn't rate jacked me (have a couple of BT offers with them currently)...yet.
Opt in. Sadly, the offer is only available in the mail. I just got mine last week, though, so surely they'll get around to you eventually.
BTW, it's the Rewards card, too. Not that I'll probably ever earn a single point since I'm only going to use it for BTs.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Perfectcredit
Posted: Thu Aug 17, 2006 10:42 am
Quote:
Closing old accounts isn't a good idea because it reduces the average age of your accounts, making your score lower, making Chase ratejack you.
I closed my Macy's account which was my oldest account and it knocked off only 10 points across all my scores. I rather close and unused account than leave it vunerable to identity theft.
_________________
Wellsfargo Platinum Visa - $2500, Bank of America Platinum Visa - $600, Amex Blue - $6600, Citi Select Dividen Platinum - $3000
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 11:21 AM
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