If you knew anything about big-bank behavior, you'd know Chase is the most anti-customer of the lot and is famous for slamming customers into programs they didn't ask for, manipulating remittance schedules to generate more late fees for them, etc. That includes blithely "forgetting" promos and promises when it suits them. You deal with Chase like you work with the Andromeda Strain in a contagion lab... wearing multiple protective layers, wide awake, and with extreme caution.