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

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 ^!