As long as I can remember I’ve always saved my money, paid cash for everything and if I did use a credit card I always had enough cash to pay off all my debt instantly so in reality I’ve never had any true debt, not even a car payment. This made it difficult to get credit cards to begin with but eventually I got a card from CapitalOne with a small limit about 1 year later I got an HSBC GM Card and finally chase. I use my Chase card daily for every transaction regardless of how small or large. When all is said and done, CapitalOne can’t even compare to Chase and if it wasn’t for CapitalOne being the oldest account on my record, I would cancel them and eventually will in the future when it no longer is an issue. 

Credit Limits

The initial credit limits were actually very low but understandable considering my credit history or lack of it. Chase gave me an initial credit limit that was 80% higher than CapitalOne. CapitalOne has only increased limit once while Chase increases my limit regularly about every 6-8 months. It’s been 5 years and CapitalOne has yet to increase my limit more than once even though my credit score is excellent. My limit with Chase is now 550% higher than CapitalOne. I decided to call them and ask for an increase and their automated recording, first level support, and the supervisor I talked with said I was not eligible for a credit increase and it was non-negotiable.

Interest

Interest has remained about the same for both companies however Chase has called me two times to ask if I was happy with my service. When I mentioned a lower interest rate would be nice, they temporarily lowered my rate. CapitalOne still has not had a lower interest rate than Chase and refuses to lower it from it’s existing level.

Checks

Chase sends me checks every 3-4 months with special offers of low interest and only charge a one time fee of 3-4% of the total. So I could write a check with 0% interest for 1 year (12 months) and only pay a 4% fee. I even used these checks to buy my car. I mention this because it has been the single thing that makes me appreciate and use Chase as my primary card.

Customer Service

I don’t have much to say here since I rarely call support but the few times I have had to, Chase has always been much more friendly, helpful and they speak English