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[–] 20685119? [S] 0 points 3 points (+3|-0) ago  (edited ago)

Keep in the bank what you can afford to either lose or wait a while to get at. Scout around for a small, local bank with a good reputation and good service. Try a credit union. This problem is a far cry from raiding small consumer deposits, I think.

If you have a mortgage with them or anyone really, an excellent thing to do is to become familiar with the protocol for the sale of that debt from Chase to whomever they will sell it to. What happened in 2008 was that so many mortgages changed hands without the t's and i's properly crossed and dotted that many people could have been freed from their mortgages and owned their property outright.

If you have some leverage, use it. Make them lower your rate. If you decide to borrow more from them in hopes that the debt will go away in some kind of chaos, don't use collateral.