General Discussion

Cleita

(75,480 posts)

19. I don't have my bill in front of me, but it's broken down

Sun Mar 24, 2013, 03:53 PM

Mar 2013

into three categories with three different rates. Suffice it to say when I add them all together to come up with the interest rate, I get 18%. I had some really major expenses last year, between my broken teeth having to be repaired with crowns, my cat needing expensive veterinary care and my car breaking down, which I had to fix because I don't have public transportation, etc. it really forced me into a big debt and the interest is usually a third of the minimum payment I make and I have to make a minimum payment because there is no money left over any more from my SS for extras what with the price of gas and food these days.

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So how desperate is Chase Bank? [View all] Cleita Mar 2013 OP

One of the reasons that branch banks are not busy, though, MineralMan Mar 2013 #1

Deposits and withdrawals aren't the only reason people use a bank. Cleita Mar 2013 #3

That's true. They're the only reason I go into a branch building, though. MineralMan Mar 2013 #5

"bank now offers smart-phone deposits," dixiegrrrrl Mar 2013 #9

Yeah. Most of the larger banks let you deposit MineralMan Mar 2013 #10

Yes, check out MITK pangaia Mar 2013 #30

Just checked - even my local union offers this. RedCappedBandit Mar 2013 #59

Credit unions seem to offer everything banks do. Cleita Mar 2013 #69

Yep! They continue to impress me. RedCappedBandit Mar 2013 #71

My (big) bank forced me to come in to sign papers spooky3 Mar 2013 #45

I am still getting regular credit card solicitations from them. GoCubsGo Mar 2013 #2

They seem to be desperate, don't they? n/t Cleita Mar 2013 #4

I hope the big banks are hurting. AndyA Mar 2013 #6

I don't think our pols will do anything, but if the people Cleita Mar 2013 #8

I keep a small checking account with Chase just pay bills and have some walking around money Yavin4 Mar 2013 #7

They are being very aggressive lately, it seems. Cleita Mar 2013 #11

Ever since the repeal of glass segal the banks have made more money Paul E Ester Mar 2013 #12

That sucks. Jaimie Diamon is on my hit list of very undesirable people. Cleita Mar 2013 #13

He famously waved his presidential cufflinks all at the congressmen when they made a half hearted Paul E Ester Mar 2013 #15

I wonder where he got those? Cleita Mar 2013 #25

My husband has a pair. phylny Mar 2013 #54

Desperate enough to FedEx mortgage refi solicitations. MindPilot Mar 2013 #14

Boy I hate that bait and switch tactic. Cleita Mar 2013 #26

My card from Chase charges 3.9% how is that "usury interest rates on their credit cards" RB TexLa Mar 2013 #16

You get that? Cleita Mar 2013 #17

It's calculated on my statement. I don't know what little categories you are talking about RB TexLa Mar 2013 #18

I don't have my bill in front of me, but it's broken down Cleita Mar 2013 #19

Mine just has the one rate. RB TexLa Mar 2013 #20

There are different rates for purchases and getting cash advances. Cleita Mar 2013 #21

I'm sure it has a cash advance rate, I've never used it for that RB TexLa Mar 2013 #22

You don't add those rates together to get your rate. Curmudgeoness Mar 2013 #48

It still amounts to 18% of the balance owed any way you look at it. Cleita Mar 2013 #49

Oh bullshit! If that is true then you are part of the 1% IMO. n/t L0oniX Mar 2013 #29

You don't have to be rich to have good credit RB TexLa Mar 2013 #31

I have excellent credit, so why the discrepancy? Cleita Mar 2013 #32

Ask Chase for a reduction. RB TexLa Mar 2013 #33

I have two Chase cards with low interest rates like you have. oldbanjo Mar 2013 #44

Whatever ...my cs is over 800 with a paid off home and car and I don't get that %. L0oniX Mar 2013 #50

I have a Chase card at prime rate. Fuddnik Mar 2013 #47

Wow A Little Weird Mar 2013 #43

Mine would be 18%, I think. tammywammy Mar 2013 #55

Is that the regular rate or a special offer rate? JHB Mar 2013 #72

The Chase bank where I live is very friendly bhikkhu Mar 2013 #23

I love my credit union. I wish I had moved there sooner than I did. Cleita Mar 2013 #24

I miss Washington Mutual... Ron Obvious Mar 2013 #27

I had WaMu too and I went over to the credit union when Chase took over. n/t Cleita Mar 2013 #28

Btw, that "malfunction" sign isn't true jeff47 Mar 2013 #56

Yeah, I saw through that one... n/t Ron Obvious Mar 2013 #57

We used to have EVERYTHING with Wells Fargo, leftieNanner Mar 2013 #34

Good for you. Wells Fargo is a sloppy operation. Cleita Mar 2013 #36

I have both; greiner3 Mar 2013 #35

I figured something like that was going on. Cleita Mar 2013 #40

You should have just hung up on the telemarketer n/t alp227 Mar 2013 #37

She wasn't a telemarketer. She was a person from the bank. Cleita Mar 2013 #39

Mine is local 47of74 Mar 2013 #38

I wish we'd go back to the old system where banks could only be Cleita Mar 2013 #42

DU Rec. Tuesday Afternoon Mar 2013 #41

I've been laundering my ill gotten drug proceeds with Chase for years. bluedigger Mar 2013 #46

And I don't even have an account with them, just the credit card, Cleita Mar 2013 #53

Chase is not hurting at all. They are swimming in profits. BlueStreak Mar 2013 #51

Could the reason that they are swimming in money Cleita Mar 2013 #52

I have two Chase cards, one of which has been mine since the early '80s Hekate Mar 2013 #58

I always laugh when these parasitic fuckers try to get me to sign up. RedCappedBandit Mar 2013 #60

I have been very alarmed at all the Chase branches opening here in CA BrotherIvan Mar 2013 #61

How nice of them to take a loss with taxpayers' bailout money. Cleita Mar 2013 #63

I consider going into a Chase branch as taking time off my stint in purgatory. AngryOldDem Mar 2013 #62

So you get good customer service and Dreamer Tatum Mar 2013 #64

Harassing you to do business with them is not good customer service Cleita Mar 2013 #65

Because shock of all shocks Dreamer Tatum Mar 2013 #66

If you say so. n/t Cleita Mar 2013 #68

I had a similar experience... Earth_First Mar 2013 #67

I recently walked into my bank, which shall be nameless, bemildred Mar 2013 #70