Credit card issuers keep high APRs even for long-tenured, low-risk customers
A cardholder with an 800+ credit score and years of on-time payments reports that Chase would not lower their interest rate despite promising periodic account reviews, leaving them stuck with a rate they say is worse than offers available elsewhere.
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Similar Problems
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A 30-year Chase customer was refused a credit card interest rate reduction and received near-zero savings rates, prompting a switch to competitors. Highlights broader banking loyalty and rate transparency issues but remains a single anecdote.
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Retirees with Strong Assets Denied Credit Due to Income-Based Scoring Models
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Chase withholds CD interest rate until maturity then sets it below market
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Problem descriptions, scores, analysis, and solution blueprints may be updated as new community data becomes available.