Originally Posted by
MDJennings
You have to understand that the freezing of the card is computerized. It's not like there's some guy going through all of the accounts with a clock next to him salivating at the prospect of cutting off your charging ability when you go one second over.
While empathize with your situation in Houston, you should know that you need to make a payment to satisfy the Minimum Payment for a billing cycle. Even having auto-pay set up for the minimum amount each month only takes seconds of your time on the website. There is absolutely no downside to it either since the auto-pay won't trigger if you made another payment during that cycle that satisfies the minimum amount due.
1. Yes, it's computerized. His complaint is about how the computer algorithm is set up for an affluent card like Sapphire.
2. Other banks don't usually cut off your account if you miss a minimum payment. You get hit with a late fee, etc.
3. He did make a payment. Didn't realize if over 30 days, then it doesn't count.
4. Banks are usually proactive during natural disasters by advertising removal of fees etc. Good PR for them. Chase could've done the same.
He has a legitimate gripe to expect better or at least same from CSR than an average credit card.