Chase CS is much worse than AMEX (at least for their Plat card, their prg cs is terrible). Chase CS is fine unless you have an issue (including the JPM exec line). Took 2 months, about 5 hours on the phone, and eventually contact with an executive at Chase to resolve an issue with points not posting at all. Chase always promises a return phone call in 4-5 business days for an atypical issue and never actually does anything and when you call again after 5 business days the timer starts over. Citi is much worse for basic questions. Because of Chase CS I only use their cards to reach min spend requirements and put the rest (most) of my spend on Amex despite the lower earn rate. This also means I will never use the JP Morgan private bank, if they can't get the simple things right I won't let them manage my money.