Sorry to know about your problems with Chase. They seem to have gone over the edge.

I did not have any problems with Citi with pre-payment. Of course, the extra money is there only for a week or so. I pre-paid, waited for a couple of days till the funds posted into my CC account, and then funded a new account with the CC to the new CL limit, which soaked up the pre-payment made. When end of the month statement time rolled around, I had roughly the amount of my normal CL as the balance to be paid.

It is good to know that Chase's system generates all these unwarranted alerts. They must have been stung somewhere along the line to mistrust everyone. FT'ers, be aware not to try this with Chase!