Originally Posted by
notquiteaff
Glad to hear they recognized the problem and reinstated your accounts.
Assuming your wife has other cards in her own name, I would consider closing her CSR account and making her an authorized user on your account instead. And if your son isn’t traveling much, there are probably better cards than the CSR for his spend.
+1.
Originally Posted by
notquiteaff
I don’t know if Chase already fixed the root cause, but my CSR Balance is now negative due PYB, and it shows minimum payment of $0 dollars due (I did have charges during the just closed period, but less than the credits). It also shows that auto-pay will pay $0.
Personally I would disable AutoPay for now. But also add Alerts to the accounts - for each and every card, set the alerts on Balance / Payment Due / Payment or Credit Received - you can either use text or use email address. Email works better as it is just so much easier to set up folder in your in box to file emails by category.
I would set email alert on Payment Due in X days. I set the X to 10 days though some banks default that to 7 days. Forgot if Chase has a default value or an empty space for input.
I have not made any payments the past 3 months since the Pay Yourself Back feature came on in June as 99% of the spends were at Home Improvement / Grocery Store / Restaurant, so all were offset by the PYB redemption. The 1% spend at gas station is completely offset by the PYB before due date with New PYB redemption rolled in mid cycle. Do not have any issue so far but then the account has no AutoPay, hence no chance for the system glitch to show up.