I'd be incensed if I were OP. I had a huge credit balance on my AMEX Plat for months due to all my flight/FHR cancellations until I finally got around to requesting a credit, so of course I didn't make any payments. I'm glad I didn't have that situation with Chase. Chase's whole system here seems awful, as I just don't think any reasonable person would believe a monthly payment would be necessary with a credit balance.
Originally Posted by
kb1992
By the way, I tried to apply for Freedom Unlimited just to see how "unforgiving" Chase is.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
To be fair, Chase has not given me instant approval on any application I've made for many years now, despite high spend levels and Chase always extending me a lot of credit, so I wouldn't take it personally. IIRC when I was applying for the CFU (which I didn't get instant approval for) the agencies were all reporting 800+ for me too.