Ten years ago I should have red TrustPilot reviews of Chase Bank. When their rating is a 1 you don’t want to trust them!! However in this 10 years I have had a Chase Sapphire card, Chase Freedom Unlimited, Chase Slate, and a Chase Freedom cards. I paid off two of the cards last year and closed them. I have kept the Sapphire and Freedom Unlimited open. I have been doing business with Chase 10 years now and I want to state that up until today I have NEVER: been late, over my credit line (or even close), asked for a cash advance, or done even a balance transfer!! I pay my bills on time. I had major surgery on my spine/neck in November and was off work for almost 3 months. Between my loss of income after 1 month, large medical bills, and my wife having to care for me, we had financial difficulties. We ended up having to use some of our credit cards just to get by. NOT ONCE did we fail to pay our payments to EVERYONE, but our balances did go up. We went from 21% debt ratio to almost 30%. When Barclays saw that, and my score declining, they reacted by dropping my credit line down to within a few hundred dollars of my balances. Within 2 weeks 2 of the bureaus dropped our score even further, showing we were using 90% of our credit lines instead 20% - DUE TO THEIR ACTIONS! It’s good t know that you can have a stellar record of payment for years and they don’t care. I have proof of the thousands of $$$’s of doctor bills we incurred, and my credit report proves we never missed a single payment to Chase Bank or anyone else during the last 6 months, or for the last 10 years!!! However, Chase could care less! They took action that made our situation even worse and they know it. I tried talking to the people at the Bank but it was useless. Their only reply “we will review your accounts in 6 to 12 months to see if your situation improves. In talking with a Credit Attorney he told us it could take up to TWO YEARS to get all of this corrected, not just a few months. He was surprised that we had the payment record we have across ALL our creditors, and Chase ignored our records. Never trust a Bank - especially Chase!!
