The IRONY of this fiasco is, Had the poster not had AutoPay set up, he would NOT trigger the system flag of not paying his minimum balance because he has NO balance to pay due to the existing statement credit!

Our CSR has NOT paid any minimum balance since June thanks to credit balance in the account :
1) Travel refund,
2) Pay Yourself Back redemption. Since we have not had AutoPay, as long as the site shows ZERO of current statement balance, I completely ignore the new charges on the card (pending for the next round of PYB). Nothing happens.

Similar situations have happened multiple times in the past on Ink cards when statement credits literally wiped out current statement balances, there is NOTHING to pay. Period. Of course since we dont have AutoPay. we are not caught by the Chase erroneous algorithm to determine default. The algorithm obviously is designed to catch missing AutoPay as a sign of default but totally FAILS to account for credit balances in the accounts, regardless what are the reasons for the credit balances.

How can a cardholder default the bank when the bank actually owes the cardholder money in the form of a credit balance on the account ?! Just by this reasoning, OP should have a very strong case to get his account reinstated.

The AutoPay failure is Chase own programming error. A case the Exec Office should be able to review and resolve. OP could call, and then follow up with a precise and concise, only fact listing, letter to the Exec Office to ask for a reinstation resolution.

The difficult thing is, given he is in China right now, the mail may take 3 months to get to Chase! I am not kidding. Recently we received 2 mails from Hong Kong, one dated June 1st, arrived us on August 31st! That is a full 3 months journey for the mail to come apparently via Surface, i.e. by boat! The second mail was dated Jul 6th, arrived us on Sept 12th - a small improvement because this only took 2 months and 1 week!

None of the mails I sent from US to Hong Kong between June and August, has ever received by the addressees.

My next door neighbor wanted to send a greeting card to her grandson in Okinawa Japan. Post office here told her the mail will go by the boat, once there are "enough" mails to go to Japan...

This is the new normal we are living in, folks!