lemond
updated information about chase 7 months CD
1688
19
2007-09-14 11:00:00
I just called chase, they said after 7 months, I have to maintain $1500 to avoid service fee, which is $6/ month.
Here I want to ask if I can cancel the chase account after 7 months? Will that hurt my credit score?
Anybody can give me some idea? Thanks !!!!
I've never heard of that you get charged by closing the CD at the maturity date. No, it won't hurt your credit score. Maybe they are referring to maintaining a linked checking account?
What I can suggest is to withdraw all money on that date. Call them 1 day in advance.
I've never heard of that you get charged by closing the CD at the maturity date. No, it won't hurt your credit score. Maybe they are referring to maintaining a linked checking account?
What I can suggest is to withdraw all money on that date. Call them 1 day in advance.
If you walk into a local branch to close your CD, you can ask for a bank check, or cashier's check, including all your accrued interest.
Then you just walk away and deposit into your other account.
妈呀，你潜伏着呢
是啊是啊, hiahia
给楼主一个alternative:
Countrywide的12-month, 5.65% APY CD, $10000 minimum:
https://bank.countrywide.com/landing/cd3.aspx?src=HLCDA001D002
| Best For | Individuals who want high rates with a guaranteed return and do not need regular access to their money |
| Benefits | |
| Interest Rate | |
| Terms | Wide range of terms from 3 to 84 months. To see all terms click here. |
| Minimum Balance | Minimum deposit to open an account is $10,000 |
| Service Fees | There are no service fees for this account. A penalty is imposed for early withdrawal. Please refer to the Application Disclosure Handbook for details. |
| Maturity Months | Opening Balance | ||
| $10,000 - $97,999 | $98,000 - $249,999 | $250,000 + | |
| Annual Percentage Yields (APY)* | Annual Percentage Yields (APY)* | Annual Percentage Yields (APY)* | |
| 3 Month | 5.50% | 5.50% | 5.50% |
| 6 Month | 5.55% | 5.55% | 5.55% |
| 9 Month | 5.50% | 5.50% | 5.50% |
| 12 Month | 5.65% | 5.65% | 5.75% |
| 18 Month | 4.60% | 4.60% | 4.60% |
| 24 Month | 4.60% | 4.60% | 4.60% |
| 30 Month | 4.60% | 4.60% | 4.60% |
| 36 Month | 4.60% | 4.60% | 4.60% |
| 48 Month | 4.60% | 4.60% | 4.60% |
| 60 Month | 4.60% | 4.60% | 4.60% |
| 84 Month | 4.60% | 4.60% | 4.60% |
不是传说Countrywide要倒了，是不是真的啊
CD是没事的, 因为有FDIC保障, 10万元一下的全不用担心.
说到这个, 我觉得作为最大的一家mortgage underwriter, 它是不可能倒闭的. 只要这个行业还能存在, 存活下来度过难关的永远都是行业里的龙头企业. 如果它的stock跌到15, 自然会有大的买家来bail out, 可能是大的commercial bank, 可能是buyout firm, 可能是境外游资, 说不定就是来自远东呢.
到底了
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