Author Topic: I Owe Chase $25k from CC  (Read 6342 times)

Offline beeweegee

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Re: I Owe Chase $25k from CC
« Reply #60 on: February 04, 2018, 05:22:55 PM »
I would head over to creditboards.com and get some excellent NON-JUDGEMENTAL advice.
Funny you should say this. I think it's excellent advice to check out CB, but I was noticing how nice and generally non-judgemental the responses have been on this thread.

Offline chinagel

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Re: I Owe Chase $25k from CC
« Reply #61 on: February 04, 2018, 05:39:26 PM »
Can u do balance transfer between spouses, or names have to be on account? Does a spouse as an AU work on that end?
names dont have to match IME

Offline Mordyk

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Re: I Owe Chase $25k from CC
« Reply #62 on: February 04, 2018, 06:10:27 PM »
Can u do balance transfer between spouses, or names have to be on account? Does a spouse as an AU work on that end?
IME balance transfer you dont need any matching info, only need card number to transfer

Offline ChaimMoskowitz

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Re: I Owe Chase $25k from CC
« Reply #63 on: February 04, 2018, 08:50:14 PM »
Funny you should say this. I think it's excellent advice to check out CB, but I was noticing how nice and generally non-judgemental the responses have been on this thread.
I noticed that to after my comment.  ;)
I just found a new supply of forks!

Offline tzifanya54

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Re: I Owe Chase $25k from CC
« Reply #64 on: February 04, 2018, 09:35:20 PM »
I noticed that to after my comment.  ;)
+1
The first page or 2 was pretty judgmental, then they calmed down.

Offline Buruch

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Re: I Owe Chase $25k from CC
« Reply #65 on: February 05, 2018, 12:29:36 AM »
Mind explaining this a bit more in detail please?

Basically just buy VGCs, MOs, pay off the card with a balance, and now you have an extra month, or can be close to 2 if you time it right, before needing to make a payment. If you get the balance on a card like slate, then you have a year or 18 months of no interest.

Offline ExGingi

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Re: I Owe Chase $25k from CC
« Reply #66 on: February 05, 2018, 03:22:53 AM »
Don't forget that the bank has no incentive to negotiate a penny as long as you're paying them as agreed.
+100000000000

There's something called a collectibility score.

If your credit report shows no delinquencies, your score is high and they won't budge, knowing that you care. But if your credit report shows that you are seriously delinquent everywhere, they realize that whatever the get is כמציל מן השריפה, so they will go as low as you will stick to your position (though they will probably never agree to less than 10 cents on the dollar.
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Offline Luvisrael

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Re: I Owe Chase $25k from CC
« Reply #67 on: February 05, 2018, 05:39:47 AM »
OP, why not just continue paying minimums until you can the money to pay off the debt? Sure, you'll pay interest, but your credit will remain good. Another option to consider is to apply now for a balance-transfer 0% interest card and park the debt there for 18 months while you work it out.
Anyone know the best non- chase option? 0% period and low BT fee...
« Last Edit: February 05, 2018, 05:50:45 AM by Luvisrael »

Offline dsw193

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Re: I Owe Chase $25k from CC
« Reply #68 on: February 05, 2018, 05:50:43 AM »
Anyone know the best non- chase option?
Citi simplicity and Discover it cards.

Offline Luvisrael

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Re: I Owe Chase $25k from CC
« Reply #69 on: February 05, 2018, 06:05:14 AM »
Can i, say, transfer from chase, than at a much later point in time, transfer back to chase, or they will see the history and not allow...

Offline eli1571

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Re: I Owe Chase $25k from CC
« Reply #70 on: February 05, 2018, 06:06:56 AM »
Can i, say, transfer from chase, than at a much later point in time, transfer back to chase, or they will see the history and not allow...
can be done.

Offline dsw193

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Re: I Owe Chase $25k from CC
« Reply #71 on: February 05, 2018, 06:09:47 AM »
Not sure. I know people have been approved in the low 700's.

Do a Google search for best balance transfer cards. There are various sites with graphs and all the info laid out.

Offline davidrotts63

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Re: I Owe Chase $25k from CC
« Reply #72 on: February 05, 2018, 08:53:41 AM »


Not sure. I know people have been approved in the low 700's.

Do a Google search for best balance transfer cards. There are various sites with graphs and all the info laid out.

What are you answering to?
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Offline dsw193

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Re: I Owe Chase $25k from CC
« Reply #73 on: February 05, 2018, 08:59:39 AM »

Offline davidrotts63

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Re: I Owe Chase $25k from CC
« Reply #74 on: February 05, 2018, 09:01:51 AM »
Citi simplicity and Discover it cards.
Barclay ring and citi diamond preferred too, hey have good rates after as well
(Quit) pulling out the flowers, and watering the weeds. -Peter Lynch