"Jack Myers" wrote in news: firstname.lastname@example.org:
I've been having difficulties with Chase since August. First they wanted
$9.95/mo for Quyicken use (Direct connect, I believe), for which I had to
demand refunds twice. Then they cut me off from Direct connect with the
message "user not authorized to use this application". Now webconnect has
repeated hiccups forcing me to clear the online connect status and redo the
stuff, which doesn't always hold.
I have checking, savings, an Amazon Visa, and a Freedom Visa that should
work with direct or web connect, plus retirement and HELOC accounts that
have never done so.
On Tue, 25 Oct 2011 23:04:09 -0700, "Jack Myers"
I had a similar letter from them. Although I no longer have it and
can't quote it, I believe it said there would be an outage for two or
Strange. I've gotten DD updates from Chase twice today, never received
the letter.... I have a mortgage and three rewards CCs with Chase.
Fortunately they've not tried to charge me for direct downloads to Quicken.
We're writing to let you know we're planning to enhance Chase OnlineSM.
Starting at 11:00 PM ET Friday November 11th to around 11:00 AM ET
Sunday November 13th you will be unable to access your accounts using
Quicken®, QuickBooks® or other personal financial management (PFM) software.
Gee - not that it's any of my business, but what possible reason
Margaret do you have three of the same kind of cards from the same FI?
I've heard of having two VISAs, for example, but from different FIs in
case one is down. But 3 from the same one?????
I have a Chase card, which gives me 1% to 3% back on purchases. I
recently added the AARP card which is also from Chase. They made me an
offer that I couldn't refuse... 5% back for 6 months. I've already
gotten $600.00 back from them. (I had a big car repair expense.) I'll
gladly fill in a form for $600.00.
If my wife gets the same offer in a few more months, we'll get another
one. Heck, they don't cost anything. They don't take up much room in the
safe after we stop using it. And, we make a few bucks on each one. They
also provide a credit cushion if things ever go bad.
Uncal Bob >>>> or three days.
I don't remember getting an email like that, but the website often enough
has statements as to unavailability of account info for periods of time
like that, usually indeed during the night from Sat to Sundays.
Thanks. At the time it struck me as odd that an outage period was not
well defined with a specific end date. The letter is long gone, but
that quote is certainly clear enough. Sorry to trouble you all.
Must do wonders for your credit score! I saw one person's explanation
on why it is good to have so many so that your minimum payments are less
(!). No wonder there's a problem with people's finances in this country
OK - here are the rules. Two credit cards at the most , and only
because the first might fail it helps to go to a second. From a
different FI at the minimum, and two different types if possible (ie:
one Master Card, the other VISA). Pay off the balance each month. And
get the ones with the cheapest interest rate and the longest grace
period AND one that does not have any chargebacks (typically the lowest
interest rates ones).
(Full disclosure: I break my last rule, however, for mine. I like my
free hotel points that actually are subsidized by others who don't
follow the previous set of rules. But the rule stands if everyone
FICO (300-850): Eq 816, Ex 823, TUWm 825
Credit Sesame (300-850): Ex 826
GEMB (150-950): Eq 872
Equifax (280-850): Eq 820, Ex 789, TU 796
PLUS (330-830): Eq 795, Ex 774, TU 786
Vantage (501-990): Eq ?, Ex 990, TU 951
Quizzle (350-850): Ex 788
TU TransRisk (300-850): TU 785
I have exactly two credit cards, do almost exactly as you do, and the last
FICO score I saw from Experian was an almost perfect 837 out of 860.
BUT my recent VantageScore from Experian was only 874 out of 990 (risk grade
B). My score got lowered because
I didn't have any recently opened credit accounts or loans,
I didn't have any real estate loans,
I didn't have any retail revolving accounts,
My total available credit was too low.
Some credit scores seem to focus more on the expected profitability of your
account than on your creditworthiness. So you probably need to clarify what
credit score you're talking about when you state your rules.
Chase CashPlus Visa 5% Groceries
Chase Freedom 5% Restaurants
Citi Forward Visa 5% Amazon.com
Discover 5% Restaurants, Department Stores
Discover Business 5% Office Supplies
Fort Knox Visa 5% Gasoline
Lowe?s 5% Lowe?s
PenFed Visa 5% Gasoline
REI Visa 5% REI
Bank of America 3/2/1 Visa 3% Gas, 2% Groceries, 1% everything else
Chase Amazon Visa Signature 3% Amazon
Chase Business Amazon Visa 3% Amazon
Citi Business MasterCard 3% Office Supplies
Citi Business Visa 3% Office Supplies
Citi Professional MasterCard 3% Restaurants, Gas, Office Supplies
Alliant CU Visa 2% on everything till end of year
FIA Visa 2% on everything (discontinued as of 10/31/2011)
Fidelity AmEx 2% on everything
British Airways Visa Signature 1.25% on everything
Capital One Visa Signature 1.25% on everything
LLBean Visa Free Monogramming