"No Problems And Lowered APR"
Chase Platinum Visa® Card Review
Written by: dm on 2007-09-12
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
dm's review: 
I've had this card for nine months. I applied online and was surprised when it arrived a week later. I was given a 0% balance transfer for 6 months and 3% fee on the transfer. APR for purchases was initially 23.24% and with a low limit of $400. I called after three months and they gave me a CLI of $600 bringing the line to $1000. I called today and requested a lower APR and was approved for 18.9%. I use the card frequently and nearly PIF, usually keeping a balance of less than $100. Currently they are using the 2 period balance computation for interest, but that is ending in December. No universal default penalty APR.
I've had this card for nine months. I applied online and was surprised when it arrived a week later. I was given a 0% balance transfer for 6 months and 3% fee on the transfer. APR for purchases was initially 23.24% and with a low limit of $400. I called after three months and they gave me a CLI of $600 bringing the line to $1000. I called today and requested a lower APR and was approved for 18.9%. I use the card frequently and nearly PIF, usually keeping a balance of less than $100. Currently they are using the 2 period balance computation for interest, but that is ending in December. No universal default penalty APR.
5 Comments
Comment 1 by meya
RE: DM 
on 2007-09-12
Gone DM with your bad self! Lol. All Chase user, go ahead and take the chance that DM just used. What do you have to loose? Nothing! You are already their customer. Most people just wait until they are periodically checked for limit increases or lower apr's, it is better to ask for yourself because closed mouth's are never feed. Creditors love when they don't have people like DM because they can make more money by charging you what they originally granted you, but when you start calling in and request for lower rates, they not only see that you are well paying customer, but a customer who cares about the actual card that they posses and want to be treated fairly according to their good works that they provided to the company. So go ahead and try, if they have an attitude, contact DM he will set them straight... Lmao.
on 2007-09-12 Gone DM with your bad self! Lol. All Chase user, go ahead and take the chance that DM just used. What do you have to loose? Nothing! You are already their customer. Most people just wait until they are periodically checked for limit increases or lower apr's, it is better to ask for yourself because closed mouth's are never feed. Creditors love when they don't have people like DM because they can make more money by charging you what they originally granted you, but when you start calling in and request for lower rates, they not only see that you are well paying customer, but a customer who cares about the actual card that they posses and want to be treated fairly according to their good works that they provided to the company. So go ahead and try, if they have an attitude, contact DM he will set them straight... Lmao. Comment 2 by bramford
Time Of Day on 2008-02-12
I have applied for a chase card several times, and every time for one reason or another they have turned me down. I am at the point in which whenever I see a credit card that is being offered through Chase, I do not even bother to apply. Why?, because even though life is like a box of chocolates, with Chase I always know what I am going to get, DENIED!!! ;-)
on 2008-02-12 I have applied for a chase card several times, and every time for one reason or another they have turned me down. I am at the point in which whenever I see a credit card that is being offered through Chase, I do not even bother to apply. Why?, because even though life is like a box of chocolates, with Chase I always know what I am going to get, DENIED!!! ;-)
Comment 3 by meya
Dont Feel Bad on 2008-02-12
This is the way I feel when I see that Citibank is the financial backer of any card. I do not apply with Citibank regardless to what the card offers.
on 2008-02-12 This is the way I feel when I see that Citibank is the financial backer of any card. I do not apply with Citibank regardless to what the card offers.
Comment 5 by hjm331
RE: Bramford on 2008-02-12
Bramford, don't feel bad by getting denied by Chase. It's all about BofA. Have you tried applying for a card from them?
on 2008-02-12 Bramford, don't feel bad by getting denied by Chase. It's all about BofA. Have you tried applying for a card from them?
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Disclaimer: This content is not provided by Chase. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Chase. Review content is powered by Finance Globe.
