Complaint / review text:
Warning - Do not use Chase Bank for any of your credit needs. They are the worst bank I have ever applied for credit card increase and also a line of credit and I have excellent credit with all three credit companies. 799 is my lowest score. They will waste your time and put unwanted inquiries on your credit report. They put three on my report in 30 days and denied me of a increase to my Chase Amazon card. It has a $4000 limit which is the lowest among my 28 credit card accounts. I do not hold balances on these accounts of which most of my cards are $10000 or more, 100% payment history and all of my Credit Card companies and all of them increased my credit $4000 or more in the last 3 months.
Chase Denied me for too much available credit and to many inquiries, 10, in the last 2 years. I only have 3% credit utilization and a total of $203000 of available credit. They also denied me of credit line on my mortgage. Never missed a payment, always been paid on time. So if you have excellent credit, do not ask Chase for a increase. They will just waste your time and give you a inquiry on your report and deny you at the same time. Never have I been denied for having too much available credit and the inquiries of which 4 are from Chase in the last 2 years. This also goes for mortgage credit lines so if you do not want a wasted inquiry on your report, do not use Chase. I can get an increase from Sears from $8000 to $14000 and be denied by Chase. Too much available credit and too many inquiries. I go by credit utilization so the more credit, the more I can spend and keep my utilization at 2 to 3 percent. Save yourself another wasted inquiry. Use a different bank for your credit needs.