Other Credit Card Programs - Great United Chase MP Visa Service

Like many of us here, I am often guilty of dwelling solely on the negative interactions I have with CS personnel, but I just received stellar service from the MP Signature Visa CS line through Chase and to keep the good karma going I wanted to share it:D

While trying to pay for a $7 fast food lunch my MP Visa came up as declined, which was odd to me as I always pay in full or close to full each month and have a rather high credit limit ($15.5K) for someone my age (25) with only a 3 year credit history, all in student loans and 2 other CCs.

Hoping that there hadn't been fraudulent activity on the card, I called the standard Chase CS line to inquire about the hold. Apparently, in my efforts to stay on top of my card balance I had made my last payment one day before the cutoff date and I thus had two payments in one statement period and zero in the next, causing my account to freeze and a $39 late payment fee to be charged.

The United MP Visa account manager with whom I spoke (a very helpful woman, I wish I could remember her name!) unfroze my account, credited the late fee AND gave me the 7 FF miles I would have earned had my card not been declined! I was more than ready to chalk this up as a "live and learn"-type of experience (there are a LOT of those at 25) and make the necessary changes in my payment habits, but the actions of the manager and her friendliness while dealing with my mistake just blew me away.

Big ^!

I have to admit I'm a little confused why your account would be locked under those circumstances. I didn't think skipping a payment was cause for locking an account.

I'm glad you had a great interaction with the CS person, but...I'm also at a loss at why your account would be locked.

I had a United Visa for the last few years (just canceled last week). I usually make several payments per statement period and have never had my account locked for that reason.

I was confused as well, especially because my Account Summary page online said that my account was current, which is why I called the CS line. I figured there must have been fraudulent activity or something else fishy going on. The missing payment was the reason they gave me for why the account had been locked. I've only had the card for about four months so that might have had something to do with why they were so quick to lock it down, I don't have much of a "history" with them yet (though I have a credit score in the 750s with all three agencies so that should have been a clue that I'm fairly reliable).

I guess they could have made the missing payment a convenient reason to cover for a mistake they made in locking the account, but I still couldn't be more satisfied with how it was handled by the manager.

Since I'm still new to the whole CC game, what else besides late payments, fraudulent activity or legal freezing of assets could result in an account being locked?