We made a mistake and went over limit on our Chase credit card by $20.74. Our rate was increased from 13% to 29% plus a $40 over limit fee. I called to close the account.
I was transferred to a "special supervisor". I asked to either get my rate lowered or close my account. The "gentleman" went through the charade of seeing if he could lower my rate. He said that his system would not let him see any "offers" as long as we were over limit. He said to make a payment and call back after the payment posted. I did. I spoke with a woman who "checked" and she said that rates are reviewed after six months of on time payments.
The "gentleman" gave me false hope of getting my rate lowered in order to get a quick payment.
I can live with the over limit fee, but the rate increase is ridiculous!
This is a legal scam!
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