Chase in singularly the WORST BANK on the planet, bar none. I have had one of their cards for years. 6 mos. Ago I got a notice saying they were raising my rate from 7.99% to 12.99%. Now I am not one to carry a balance, or at least much of one at all... But I have HIGH FICO score (over 800), never late, all that stuff. I called them, told them I was a long-time customer and they DID NOT CARE. Simply told me I can close the account if I want. Well I didn't, out of convenience sake and knowing that I carry so little balance I figued I'd close it on my terms. And I had another Chase card which I hadn't used in years so I called them to cancel it and they talked me out of it, suggesting I keep it. I said fine, why not. Then 3 mos. Later I get another "love letter" from Chase. Guess what? THEY canceled that card for non-use! They do things strictly on their terms, with utter disregard for their customers. Chase sucks. But what irks me is, when I go in person to pay my bill at a branch (yes I still do that, I prefer this that way I get a receipt showing time of payment) they ALWAYS ask me to sign up for another card, open an account, etc. Of course I lay the "why I hate Chase" story on them and they seem amazed. Sometimes they relent, other times I get challenged. I've had teller-types and bottom-feeding, blueshirt manager-types alike imply I must somehow be a credit risk or something, as if I'm lying. Go ahead say it, why don't I just close the account? As I said it was a convenience thing, all my auto-payments are set up for this card. So in part this is my fault, to be sure. I've been lazy about it. I'll cop to that. But chase still sucks. NOW yesterday I get another terms notice. It's going to a variable, currently over 15%. Now to be sure, I will never ever have a balance on that card nor will I do business with Chase. I would advise anyone considering doing business with Chase to think otherwise! Oh yeah I did get a Simmons card, the rate is great and customer service has been very good! I recommend Simmons. They are picky and selective, but if you can qualify I recommend looking into their cards. Yes Simmons customer service is in the US, Arkansas I think. Chase CS in my experience is in India, regardless of what lies are told by the dimwits on the phone.
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