Courtesy Credit?
Sep 15, 2014, 9:15 pm
#1
Original Poster
Join Date: Jan 2014
Location: SFO
Programs: OZ Diamond/*G, IHG Diamond Amb, Hilton Gold
Posts: 2,239
Courtesy Credit?
I called Chase today to dispute a transaction from a merchant who tacked on a 50 cent credit card payment charge without telling me. When I asked them if they wanted a number to contact me if they wanted more information, they said that the case was closed and they didn't need more information. Does that mean they just are holding the money from the merchant and won't even give them a chance to defend themselves, or are they so sure the merchant won't want to have an investigation due to the costs involved that they just credit it to you right away and eat the cost if the merchant wins.
Sep 17, 2014, 10:42 pm
#4
Join Date: Jul 2010
Posts: 207
They did the same thing for me on an unauthorized $7.99 charge. When I called to report it, they instantly credited my account and said that they did not need any additional information. I'm not sure if they charged-back the vendor but it didn't seem like it.
Sep 19, 2014, 11:34 am
#7
Suspended
Join Date: Aug 2010
Location: DCA
Programs: UA US CO AA DL FL
Posts: 50,262
Chase and other CC issuers pretty much all choose to simply courtesy credit small amounts where it costs them more to query the merchant and then evaluate the response. Few people see this anymore because very few disputes are handled by phone anymore.
The check on this is that Chase does keep tabs on how many of these requests are coming in. If someone is calling in regularly for their couple of bucks, this ends quickly.
The flip side is that the merchant will never know about the call.
The check on this is that Chase does keep tabs on how many of these requests are coming in. If someone is calling in regularly for their couple of bucks, this ends quickly.
The flip side is that the merchant will never know about the call.
Sep 24, 2014, 1:03 pm
#9
Original Poster
Join Date: Jan 2014
Location: SFO
Programs: OZ Diamond/*G, IHG Diamond Amb, Hilton Gold
Posts: 2,239
Chase and other CC issuers pretty much all choose to simply courtesy credit small amounts where it costs them more to query the merchant and then evaluate the response. Few people see this anymore because very few disputes are handled by phone anymore.
The check on this is that Chase does keep tabs on how many of these requests are coming in. If someone is calling in regularly for their couple of bucks, this ends quickly.
The flip side is that the merchant will never know about the call.
The check on this is that Chase does keep tabs on how many of these requests are coming in. If someone is calling in regularly for their couple of bucks, this ends quickly.
The flip side is that the merchant will never know about the call.