Am I really out of line here

[supergoofy]

So I got an offer from Discover Card which I have had for a long time for 0% APR for the next year which would really be helpful to pay for our up coming trip. I don't use them much as I also have the Chase Visa card.

Well I called Chase and asked if they would match this offer. The customer service agent I got was flat out I don't know how to rude but in a condescending way like Chase was the best thing under the sun. He went on how this APR was a promo which I get. He then went on about after the promo there APR was better, which is true.

He just would not listen as I tried to explain I don't carry a balance so APR is a moot point when the intro is over.

The worse part was when he tried to explain that Disney gives you 6 months free financing for Disney. Really 6 months is better than 12


So I have to ask a couple questions. Is it really out of line to ask Chase for this? Who do I call to get this done as customer service doesn't seem to have the power to do this. Love Chase and their service but this would really help us with budgeting and paying this trip off.

 

[lost*in*cyberspace]

It's not out of line to ask for a better offer, or to politely end a call with an unhelpful rep and call again. However, it's possible Chase isn't going to bend.

I'm a little confused why a 0 APR is important anyway, if you don't carry a balance. Also, why not just accept your Discover card's offer and use that for your trip?

 

[sk!mom]

It's not out of line to politely call and ask but that doesn't mean that they have to grant the request. You can call back and speak to someone else. I would be surprised though if it was honored as these introductory offers are used to gain new accounts and if you already have one then you aren't the target.

Why do you need the offer if you don't carry a balance? If you are wanting to charge the trip and then pay it off, then I guess either use the Visa and pay it off in 6 or take the Discover offer.

 

[LJSquishy]

It's not out of line, but it is really strange that you would call to try and get a promo-match with a different credit card company.

So, are you currently a holder of both Discover and Chase cards? You worded it like you've been with Discover for a long time (and also have a Chase card). I'm not sure why you don't just use Discover to take advantage of the offer.

...and I'm confused why you would need 0% APR if you don't carry a balance. Clearly you would be carrying a balance.

 

[disykat]

My guess is that the OP can't afford the trip without carrying a balance, but plans to do so only for the length of the 0% offer.

 

[slickpoetry]

Just use Discover's offer, then. In your situation there doesn't seem to be any advantage in booking with the Disney Visa

 

[supergoofy]

I have been a Discover Card and Chase member for at least a decade so its not to get me to go with one or the other. Its a fact I am a loyal customer and Discover is treating me as such.


And I don't carry a balance and don't plan to very much on our trip but work is slowing down and life happens and if I need to carry a balance then so be it I will and at 0% its nice.


As to why I want Chase to do it. Well guess I believe in rewarding good loyal customers. Why is it that any offers are for new folks? After I empty my rewards points I may just have to drop them so I can reenroll and get some perks again

 

[plummer925]

Not out of line at all! I used to work for a credit card company and I got calls like that all the time. We did out best to match promotions but we were not always able to (we could only do what the computer told us we could do).

It's too bad that they wouldn't match it. I say go for the new card and at the end of the promo find out if Chase will offer you a 0% balance transfer to transfer it to them

 

[mrsklamc]

It's not out of line for you to ask, but it's also not out of line for them to say no.

 

[SWofDisorder]

If you don't ask they can't say no. Having an excellent credit score also helps you get what you want.

I have tried to drop discover and somehow they talked me into keeping the card. Yet another year has gone by and never use the card. Cash is king.

 

[Lewisc]

There is nothing wrong with asking. There is nothing wrong with Chase saying no. There is nothing wrong with Chase telling you why (they think) Chase is a better card.

You didn't really help your case when you said you don't normally carry a balance. You want zero interest for 12 months and told the Chase rep you'll be paying off the card before the 12 months are up.

Sounds like Chase decided to let Discover give you a 12 month interest free loan. Sounds like an intelligent response.
edited to add I re-read your OP you asked:

Who do I call to get this done as customer service doesn't seem to have the power to do this. Love Chase and their service but this would really help us with budgeting and paying this trip off.

JMO but calling back would be RUDE AND WAY OUT OF LINE. You asked and were told No.

 

[plummer925]

JMO but calling back would be RUDE AND WAY OUT OF LINE. You asked and were told No.

I humbly disagree (note that I said above that I used to work for a cc company).

If you called me to request a lower APR this is what I would do:

I would look at the APR you had, and the APR you qualified for - lets say, for an example that you had 16.99% and the computer said you qualified for an APR drop to 12.99%.

I would not have offered you the 12.99% (we were instructed to do this!) - I'd have offered you 14.99% and made a big deal about lowering it 2% for you. You would be happy because you got a lower APR, none the wiser that you actually qualified for an even lower rate. The cc company was happy because it was considered an "APR Save" transaction, which made ME happy as we had quotas to reach to get a monthly bonus of up to $1000.

So perhaps she really DID qualify and the rep decided to not do it. Perhaps the rep was not in Customer Retention (hint - always threaten to close an account - it will put you over to Retention, and the reps there generally have the most power to give discounts, promos, and credits). There are a lot of factors at play.

It would not at ALL be rude for her to call back to see about getting another rep.

 

[Lewisc]

I humbly disagree (note that I said above that I used to work for a cc company).

If you called me to request a lower APR this is what I would do:

I would look at the APR you had, and the APR you qualified for - lets say, for an example that you had 16.99% and the computer said you qualified for an APR drop to 12.99%.

......
It would not at ALL be rude for her to call back to see about getting another rep.

The OP doesn't want a lower APR. The OP wants Chase to match a 12 month zero interest rate promotional deal. Chase is already offering a lower interest rate after the 12 months. I sort of see your point if you want to negotiate. Sounds like the OP doesn't want anything less then the Discover deal.

How many times does Chase have to say no before it's rude to ask again?

 

[sunshinecruise]

I do not think it would be rude at all to call again. I know when you call a company the answer that you get can depend on the person who you talk to.

If you called your mother to ask for a favor, and she said no, then you kept calling her back to ask the same thing, that would be rude. But if you are calling a company to ask them a question and you are not being belligerent or disrespectful, that is not being rude.