Originally Posted by
garykung
I thought you said you just applied for a new Chase card...am I misunderstood?
Originally Posted by
philemer
The OP said he hasn't..
This is what happened: shortly after my CSR account was closed, I applied Chase Freedom card. Got a message from Chase Fraud Dept. asking me to call to verify my identity. I have been in China and Skype quality is very poor. So I didn't bother.
BTW, I only have 2 credit cards with me, no new cards for 4 years until the Freedom card application which caught the attention from Fraud Dept :-)
My credit score is still 831 as of today. My total credit for 2 cards is $70K and I am only using 1%. This pandemic messed up everything!
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.
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.
Thank you so much for all your help. It's greatly appreciated. I can't say enough.
My wife also only has 2 cards despite of 6-figure annual income. Her credit score is even higher than me :-) I'll consult her to see if she can close her CSR and get another card with no annual fee. Same thing for my son.
If we close both of their accounts, then all UR points (I think the total is something like 1.5 million) has no place to go but to my account. :-)
Hopefully this is not a problem (we live in same household).
Originally Posted by
Happy
+1.
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.
Excellent suggestion. Thank you so much.
I'll disable AutoPay. Who knows what crazy system bug from Chase would hit me again!