update:Chase bank
Well, long story short-I complained to better business bureau in Chase headquarter city and got a pleasant phone call from rep who was VERY anxious to lower my rate, decrease my payment due and appease me 100%.
All I had to do was close card which supposedly will show up on credit record as "closed by consumer" which is better than "failed to pay" which is what would have happened.
I was THRILLED to close card. Payment went to 2/3 of what i used to pay, interest rate went to 40% of what it was. my total repayment period increased and the total amount out of my pocket will be less than would have happened previously.
All I had to do was close card which supposedly will show up on credit record as "closed by consumer" which is better than "failed to pay" which is what would have happened.
I was THRILLED to close card. Payment went to 2/3 of what i used to pay, interest rate went to 40% of what it was. my total repayment period increased and the total amount out of my pocket will be less than would have happened previously.
posted by ccpanel at 10:18 PM
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