Finally called Chase few minutes ago. I am currently in China and sometimes internet is limited. The agent understands the frustration. But she can't look further. Instead, she said I'll get a letter and I can contact Chase after that. I won't return to home for another month or two to get the letter.
Here is a summary of my last 3 statements.
July Statement
New Balance $286
Minimum Payment $35
Due 8/3/2020
Your next AutoPay payment for $286.45 will be deducted from your Pay From account and credited on your due date.
August Statement
Payment/Credit $588
New Balance $82
Minimum Payment $35
Due 9/3/2020
Your next AutoPay payment for $82.48 will be deducted from your Pay From account and credited on your due date.
September Statement
Payment/Credit $625
New Balance $174 (Credit)
Minimum Payment $0
Due to credits, AuroPay has been zero for 2 billing circles.
Meanwhile, I received this final message from Chase:
We understand your concern about your account and will be more than happy to help you. Let me share that statement credits are not considered payments. On review, I confirm that minimum payment are not made for three month by the due date. Hence, your account was closed.
However, my card statement says: Your AutoPay amount will be reduced by any payments or merchant credits that post to your account before we process your AutoPay payment. If the total of these payments and merchant credits is more than your set AutoPay amount, your AutoPay payment for that month will be zero.
Now Chase blames me for that? This is totally nuts.
Originally Posted by
HawkeyeFlyer
There is WAY more to this situation that what is being shared.
Not really. See above.
Originally Posted by
scubadu
Agreed, 100% (and there almost always is in these type of threads)
The OP continues to resist simply picking up the phone and calling Chase, with "I will when I get back to the states" In today's world of WiFi calling, Skype, etc. there is absolutely no reason one would have to wait until they "return to the states," particularly when a 30 day clock is ticking on 1 million UR points and time is of the essence...
Definitely more to the story here...
Not really. Called Chase and went nowhere.
No worries. I'll transfer my 1 million UR points to my wife or son. They have probably another half million UR points. We are Chase Sapphire family and everyone has a sapphire card.
Maybe we don't need 3 CSR cards at this time when COVID-19 drastically cuts our spending. It might actually be good idea to close my account.
Originally Posted by
BelleCityFlyer
Exactly!
What the original poster did not say was whether the monthly statement immediately preceding the credits to his/her account closed with a (positive) balance. If the last monthly statement before the credits had a (positive) balance, then at least the minimum payment was required to be made even if subsequent credits made the online account show a negative balance. The monthly statement is the legally binding document that we all agree to follow when we accept a credit card; not the balances shown in the online account.
With that said, Chase AutoPay will not deduct a payment if the online account shows a (negative) balance. In that case you will have to manually make the payment; which might even require pushing the payment from your bank.
See detailed info about my last 3 statements. I totally followed Chase rule with AutoPay.
It has never been an issue in the past when credits/payments exceeded the balance of previous month, AutoPay was zero.
I don't know what to say.
Originally Posted by
txpenny
Skeptical bunch, aren't you.
After reading this thread, I found myself paying the minimum balance of last month's statement even though my statement balance was wiped out by PYB credits.
This is crazy. Chase said this explicitly: If the total of these payments and merchant credits is more than your set AutoPay amount, your AutoPay payment for that month will be zero.