Originally Posted by pallhedge

You have 30 days to use or lose your points unless you get reinstated. You will likely NOT be approved for any more Chase cards for years to come, so that route is futile. If I were you, I would contact Chase's executive office. They're the only ones that can get your reinstated at this point.

Originally Posted by Happy

Probably a life time! From whatever DPs reported on the net in various shut down threads, Chase and BofA seem to NEVER FORGET. Citi on the other hand would refresh in about 2.5 to 3 years but Chase and BofA keep their grudge indefinitely, even it is their own faults. Though the system block indeed could be overturned by higher up order in the case of Chase. No recollection about reading BofA success.

During the massive erroneous shut down a few years ago, the Exec Office was the route that many card holders got their positive responses / formal letter of apology when they wrote, detailed the case and asked an explanation on why their accounts were suddenly be shut down. (Some of those people had Chase banking products where the balances often are quite large - a place to put their college tuitions / living costs for the full semester or the year, fwiw).

I would take the route to write because if the situation is as stated, this is a serious programing error by Chase with the customers being adversely affected thru no fault of their own. If not corrected, the customer will have a blackmark in his profile at Chase FOREVER! Personally I would take whatever action needed to get this thing rectified instead of must "move on" as the "easy way out". The consequence of not resolving this could come back to haunt the OP in the future. No question in my mind this would eventually happen, just dont know when it might. By then it would be way way way too late to get anything done due to everything would have been archived and impossible to trace any factual history.

Originally Posted by Happy

I understand MANY like AutoPay but most do not realize when AutoPay went wrong, it could go VERY WRONG. We have Zero AutoPay set up for any of our accounts - from credit cards to utilities - after suffered from a bad consequence Decades ago, (long before blogs and such), I swore never use AutoPay again.

What people should do is to set up ALERT in all your card accounts, to get an ALERT reminder on the date that there are X days before the payment is due. I set ours to 10 days - though by the time I got the Alerts I usually have already set up payments on the cards sites - my habit is to set up payments as soon as statements are closed, but the payments usually are a week before due date, so a future payment scheduled.

AutoPay can create a FALSE sense of Safety and that when it fails, the fall out is always UGLY.

I may take this opp to suggest that Microsoft MONEY is an excellent software that resides in your computer. The software is so good that even Microsoft has sunset it in 2010, the user forum in Microsoft User Community is still very active as of today - that is a solid proof on how much the existing users feel the software is superior even though Microsoft stopped its support a decade ago!

You can use it to keep track of every financial aspect of your household. The only draw back is because this is a discontinued product, you can no longer download financial institutions information to the software once Microsoft released the Sunset version (free for all versus a paid software with annual update), the download ability was disabled. Therefore the entries are manual. How good the data base is, of course depending on how diligent the user is keeping it updated, manually. It also has ability to generate all sorts of reports, that is a very neat feature if I need to look back a particular spend category 2 years ago, for example, I can find that thru the right report.

Over the years I had to go ask questions at the above forum and each time I was able to get the solutions. It is a very friendly, well maintained user forum. People help each other out on whatever issues a user has encountered.

For those who want to find out more -

https://social.microsoft.com/Forums/...me?forum=money

And a May 2019 write up on how to get it work on Window 10.

https://windowsreport.com/microsoft-money-windows-10-2/

Originally Posted by Adelphos

Usually with Chase, if they take an adverse action, you get a letter within a week, with a number to call. Call that number, and you usually get to some kind of credit analyst that can look over the entire history of the account and the Chase relationship. They may have to pull a credit report, but I am guessing if you actually talk to someone in that department and explain what happened, your account could be restated

Originally Posted by mhdena

There have been instances where one shutdown leads to another when transferring to a family member.

Better talk to a decision maker first, and then if has a last resort transfer to Hyatt or cash out.

Originally Posted by notquiteaff

OP, with 1 million URs and 2 million UA miles, I personally would work on reducing my “loyalty” account balances and in the meantime use a simple 2% cash back card for ongoing spend. Can you use the UR for Pay-Me-back to wipe out some past charges? (build up more credit for them to refund). If not, I would probably send the UR to Hyatt and some other loyalty programs (and then work on actually using them).

I am sorry to read about your experience with Chase. I am fortunate in many ways that I did not have a lot of credits due to canceled travel post to my cards, but I am convinced I would have fallen into the same trap. I have minimum auto-pay set up for all my cards as a safety net, but I always pay the full balance manually before auto-pay kicks in. So in the OP’s scenario I would likely have seen an negative account balance due to credits and done nothing manually. And then auto-pay would have also done nothing and my account would have been closed. Scary... and I definitely would consider filing a CFPB complaint if a Chase manager wouldn’t see how their implementation of credits and auto-pays is illogical and unfair.

Originally Posted by gengar

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.
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Originally Posted by ExplorerWannabe

FWIW, I got that initial response when I called in after first applying for the CSR last year and had gone 2 weeks without a response. I told the agent that if that was the case, please cancel my application as I wanted to buy some airplane tickets for an upcoming trip and the card was useless to me if I couldn't do that. S/he asked me to hold a moment then returned to the line about 2-3 mins later saying my application had been approved and I could expect the card to be delivered within a week.