Originally Posted by
Dr Jabadski
[...] Asked if I could move CL from 6 week old account, was told could only move from 12 month or older account. [...] Called customer service 10 minutes later, moved additional $2x,xxx from 6 week old account to new account. [...]
Originally Posted by
serpens
Thanks for the report. Uh huh. "Training? We don't need no stinking training." (This comment is a ding at Chase only so far as Chase is a large company, and provided the current example for a HUCA philosophy.) ….
You’re very welcome. I’m not certain that the quoted experience was (or is) a training issue. It’s conceivable to me that there are different criteria for moving credit
during an application versus
after a successful application.
Originally Posted by
serpens
…Not being an app person, I have not downloaded the Chase app. I prefer the web site, and I dislike the tiny screen of a phone. Aside from getting access to a new account more quickly, why else would you recommend the app? Thanks.
(Now you’ve gone and done it, asked me a question
. You might be familiar with my verbosity, I never pass up an opportunity to write 3 pages when 2 sentences would be more than sufficient
.)
Main Chase (and many other banks and issuers) mobile app benefit: ability to quickly and easily review account activity anywhere anytime. Excellent example: few weeks ago in London, used a different bank’s ATM card successfully, immediately afterwards saw debit (with conversion rate) from my account on their app, next day tried to use a different ATM, machine malfunctioned and did not dispense any cash (GBP) but printed a receipt stating I received £xx. Looked at the app immediately, no activity, thought the machine had recognized the malfunction and not debited my account.
Next morning checked account again, see the debit had posted. I was able to notify the bank at that time, within a few hours of the problem, instead of a few days later when I got home. Can set up your accounts to be notified of any or all activity as desired.
Chase app is also very useful for cash transfers using Zelle which (for example) my dentist of 25 years accepts without surcharge whereas they now add a 3% surcharge to credit card payments.
If you happen to have multiple AmEx accounts, their app makes it much easier and faster to see each individual account balance. On the AmEx website, I must to click on each of my 6 or 8 or 10 cards to see the current balance, on the app one click reveals a list of all accounts and balances.
My only nitpick with the Chase app, which might be specific to my type of phone (with facial recognition), is that I have 3 Chase login profiles (personal, biz 1, biz 2) and the facial recognition logs me into the personal account. To login to one of the biz accounts, I have to cover the front facing camera, wait for “Face Not Recognized” and manually enter username and password.
As with many other things about which we procrastinate, once embraced we kick ourselves for not doing it sooner. I was late adopter of a mobile phone and then a smartphone (and associated apps). I recall in 2004 or 2005 meeting some family in San Francisco a day or 2 prior to a cousin’s wedding in Sonoma, I actually borrowed one sister’s cellphone a day or 2 prior and returned it to her when we met up on Fisherman’s Wharf. I used my first mobile phone, a flip-phone, from 2006 through 2019. Got my first smartphone in 2019, well after most other people. Of course, once I got it, I quickly found it to be indispensable. If nothing else, my friends no longer got annoyed at me after a dinner in Manhattan and I asked if I could borrow their phone for a moment to check traffic conditions for my drive home to the suburbs.