I have to say, I am also one of the customers who did not respond to an offer in the mail. I had called Chase about another issue and when the customer service rep finished answering my question asked me if I would like to transfer balances from another card at the low rate of 3.9% interest. I must have asked her 3 times “How long will it stay at that rate?”, the response and I can remember her voice “until it’s paid off in full”. I transfered EVERYTHING that day.

It is now one year later and today I recieved a letter from Chase. They have changed the terms in my account. They will restore the original percentage rate and will refund my account for the difference that I have paid in the past year. My “satisfaction is important” to them!

I don’t want to get your hopes up, but maybe this is just a beginning.

Believe me, though, I don’t trust them. When this balance is paid off, it will be just another one of those credit cards I own that never has balance.

I think your much ballhooed spellchecker may be off

Just a heads up there bud, I know how important it is to you.

Marv

“Never attribute to malice that which can be adequately explained by stupidity.”

Having post censored by you personally, I must say that I disagree with your characterization. I was not disrespectful of you or this site in my opinion in any of my posts.

I do agree that it is your site and that you have every right to control content here. I told you this at the time as I recall. I feel the same today.

My posts which were disallowed were political in nature and were not as you have stated “disrespectful” in any sense which honors the traditional belief in the American right to expression.

As an educator, and an adult learner who finally earned my first degree at the age of 28 (struggling to put myself through school, at every level — my own debts even now are primarily associated with later deciding to return to graduate school with a desire to teach and help others), your story breaks my heart. I will keep fighting for you. Chase will live to regret destroying the dreams of students.

The site experienced a “major crash” (see my detailed post of August 10, 2009). I have approved every legitimate comment since the site has been established as a blog (December 2008). I said, “legitimate,” because the site is regularly inundated by spam (most of which is caught by filters), and hackers attack any and every site around. There have been two submissions that I have censored during this entire time. One of them came in about the time the site went down.

I will be creating a post about my moderation, i.e., “censorship,” in the future. However, generally, these two submitters were very disrespectful of me/the site/the site’s typical visitors, and since I am paying for the site and the hosting (and I have put myself and my family on the line in public view and at risk in order to fight abusive credit card companies), my sentiment is that these individuals can get their own sites if they want to be so mean-spirited and ignorant. The typical visitors here have done nothing wrong and faithfully fulfilled their obligations.

I did opt to take the 2% APR year plan as my monthly payment would have been a bit tough to deal with since my truck is in very bad need of replacement. I only used this card for a 2.9% for life loan to put an addition on my house. I borrowed 30K from them and have it paid down to under 9K in under 3 years. I was approved about 3 weeks ago. All they did was close my account, which I never used anyway. I received my confirmation letter in the mail today. So far it looks like this has not had any effect on my current credit rating what so ever. In fact I was just approved for a new car loan from Ford at 2.9% without any trouble at all.