I'm Ready To Hang The Bitch at the credit card company

**qualityclrk1** · 09-28-2007, 02:15 PM

when i turned 18, i filed for a credit card, because i knew soon enough down the road, i'd want to buy something (bike, car w/e), and i knew i'd better start building some credit.....i got a credit card from Chase Financial and the interest rate was i think somewhere around 16%- which isn't the greatest, but i took what i could get, and i tried my best to just pay the balance off each month....i recently had to purchase books for school, and i used my card, and i'm not capable of paying off a grand worth of books at the end of the month....my interest rate from one month jumped from 16% to 30%......i just called Chase and asked if they'd lower and the bitch gave me a quick- "no"...i've never been for hitting women, but that woman got the shittiest tone of voice with me, and i swear to god- if he'd have given me the supernatural power, i would have jumped through that phone line and smacked that bitch stupid....anyway, i'm wondering how transfering balances works...i want to give chase the big F*ck you, and switch companies on them....from my understanding this is how it works, just tell me if i'm right.....i call up bank of america and tell them i want to switch to them because chase is f*ckin me with no vaseline....i could hopefully get a lower interest rate w/their card, so they'll pay off my outstanding balance, and i'll just start making payments to them.....correct?...and anyone have any personal experience doing this? good idea?

**Jenseno9** · 09-28-2007, 02:17 PM

close that card. find one thats cheaper

**qualityclrk1** · 09-28-2007, 02:19 PM

well thats what i plan to do- but f*ck chase and that 30% APR......i want to know how it works- if i call bank of america do i just transfer the balance? or do i get the card, pay off my other credit card with the card from boa and go from there.....i'm worried if i do that the interest rate on the new card will jump....

**Dizz28** · 09-28-2007, 02:32 PM

some credit card companies will do balance transfers of up to $5000 interest free for up to a year. I was about to do that with my Citi card but I'm gonna be able to pay it off completely in the next couple months.

**importeater91** · 09-28-2007, 05:20 PM

yup just call up bank of america and see if u apply for their card and if you do transfer ur balance to them..i dont think ur intrest rate will be that high with them unless ur late again

**10nispro** · 09-28-2007, 05:51 PM

Do you have to pay the whole balance every month or is it a revolving account where you have a minimum each month to pay? That makes a big difference. Also, get a credit rating report so you have something to bargain with. Most states allow one free report.

Chase did the same thing to my credit card % and when I called them, the Lady, asked what was my household income, and when I told her, she flat-out told me she didn't believe me because If that was true I would be sending more than $100 over the minimum each month. Then she asked for my ss# and a copy of my taxes to verify this. I nearly lost it, I told her she had lost her D*** mind and hung up on her. I was pi**ed. Neadless to say I called back n 6months time and was loaded to the hilt with credit report and all and basically told them I wanted a new % and they lowered it.

If anything there is a site you can use to find a good card, google best credit card offers.

**gixxerboy1** · 09-29-2007, 09:36 AM

Originally Posted by qualityclrk1

when i turned 18, i filed for a credit card, because i knew soon enough down the road, i'd want to buy something (bike, car w/e), and i knew i'd better start building some credit.....i got a credit card from Chase Financial and the interest rate was i think somewhere around 16%- which isn't the greatest, but i took what i could get, and i tried my best to just pay the balance off each month....i recently had to purchase books for school, and i used my card, and i'm not capable of paying off a grand worth of books at the end of the month....my interest rate from one month jumped from 16% to 30%......i just called Chase and asked if they'd lower and the bitch gave me a quick- "no"...i've never been for hitting women, but that woman got the shittiest tone of voice with me, and i swear to god- if he'd have given me the supernatural power, i would have jumped through that phone line and smacked that bitch stupid....anyway, i'm wondering how transfering balances works...i want to give chase the big F*ck you, and switch companies on them....from my understanding this is how it works, just tell me if i'm right.....i call up bank of america and tell them i want to switch to them because chase is f*ckin me with no vaseline....i could hopefully get a lower interest rate w/their card, so they'll pay off my outstanding balance, and i'll just start making payments to them.....correct?...and anyone have any personal experience doing this? good idea?

I would think there is more to the story. Also paying off every month doesn't really help you build credit. Carrying a balance does. They just wouldn't raise you % rate because you didn't pay the balance, unless its a card you have to. But if you were 1 day late with your payment they can raise lit like that.

**5ifthCitizen** · 09-29-2007, 11:34 AM

open a bank of america or any other bank cc then go online and use bill pay or whatever to pay off the other credit card with the one u have. its not that difficult

**Pooks** · 09-29-2007, 10:38 PM

happened to me once..

was late on a payment.. they spiked it up to like 29.99%

after a year or so.. i called them up .. and told them, u know i have been making my payments on time for the last year blah blah blah.. I've had u guys for along time.. can u guys lower my interest rate.. cause if u can't i'm gonna have to get another card blah blah blah

they guy was like "OK"

I was thinking cool..

yah ok..

they lowered it to 27.99

**unclemoney** · 09-30-2007, 05:37 AM

Originally Posted by Pooks

happened to me once..

was late on a payment.. they spiked it up to like 29.99%

after a year or so.. i called them up .. and told them, u know i have been making my payments on time for the last year blah blah blah.. I've had u guys for along time.. can u guys lower my interest rate.. cause if u can't i'm gonna have to get another card blah blah blah

they guy was like "OK"

I was thinking cool..

yah ok..

they lowered it to 27.99

ROFL!!!