Chase closed my CSR. Why?
#46
Join Date: May 2015
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Better talk to a decision maker first, and then if has a last resort transfer to Hyatt or cash out.
#47
Join Date: Jan 2003
Posts: 3,782
I might simply transfer 1 million UR points to my wife's CSR account.
Is transferring to my son's CSR account permitted?
Will try that route.
By the way, I tried to apply for Freedom Unlimited just to see how "unforgiving" Chase is.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
Is transferring to my son's CSR account permitted?
Will try that route.
By the way, I tried to apply for Freedom Unlimited just to see how "unforgiving" Chase is.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
#48
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OP, with 1 million URs and 2 million UA miles, I personally would work on reducing my “loyalty” account balances and in the meantime use a simple 2% cash back card for ongoing spend. Can you use the UR for Pay-Me-back to wipe out some past charges? (build up more credit for them to refund). If not, I would probably send the UR to Hyatt and some other loyalty programs (and then work on actually using them).
I am sorry to read about your experience with Chase. I am fortunate in many ways that I did not have a lot of credits due to canceled travel post to my cards, but I am convinced I would have fallen into the same trap. I have minimum auto-pay set up for all my cards as a safety net, but I always pay the full balance manually before auto-pay kicks in. So in the OP’s scenario I would likely have seen an negative account balance due to credits and done nothing manually. And then auto-pay would have also done nothing and my account would have been closed. Scary... and I definitely would consider filing a CFPB complaint if a Chase manager wouldn’t see how their implementation of credits and auto-pays is illogical and unfair.
I am sorry to read about your experience with Chase. I am fortunate in many ways that I did not have a lot of credits due to canceled travel post to my cards, but I am convinced I would have fallen into the same trap. I have minimum auto-pay set up for all my cards as a safety net, but I always pay the full balance manually before auto-pay kicks in. So in the OP’s scenario I would likely have seen an negative account balance due to credits and done nothing manually. And then auto-pay would have also done nothing and my account would have been closed. Scary... and I definitely would consider filing a CFPB complaint if a Chase manager wouldn’t see how their implementation of credits and auto-pays is illogical and unfair.
#49
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I believe so. It is still household member AFAIK.
#50
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Chase's Market Cap is $302.2 Billion. Take a look at the material disclosures made by Chase in each of its most recent 4-5 10-Q / 10-K's and you will see that this issue does not come within several orders of magnitude of material.
#51
Join Date: Jul 2008
Location: LAS ORD
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I'd be incensed if I were OP. I had a huge credit balance on my AMEX Plat for months due to all my flight/FHR cancellations until I finally got around to requesting a credit, so of course I didn't make any payments. I'm glad I didn't have that situation with Chase. Chase's whole system here seems awful, as I just don't think any reasonable person would believe a monthly payment would be necessary with a credit balance.
To be fair, Chase has not given me instant approval on any application I've made for many years now, despite high spend levels and Chase always extending me a lot of credit, so I wouldn't take it personally. IIRC when I was applying for the CFU (which I didn't get instant approval for) the agencies were all reporting 800+ for me too.
By the way, I tried to apply for Freedom Unlimited just to see how "unforgiving" Chase is.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
Last edited by gengar; Sep 13, 2020 at 11:11 pm
#52
Join Date: Nov 2014
Location: USA
Programs: UA Gold, Marriott Gold
Posts: 1,166
By the way, I tried to apply for Freedom Unlimited just to see how "unforgiving" Chase is.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
I got a response that they need more time to review -- the applicant has 832 credit score, 250K household income, only one credit card in wallet, never missed a payment for 15-20 years. Zero debt.
How interesting for such a basic card.
#53
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Original Poster
Join Date: Jul 2003
Location: BOS, PVG
Programs: United 1K and 1MM, Marriott Ambassador
Posts: 10,000
AmEx tends to be much better with customer service (except for Amex Travel). It's a decent alternative especially if you like business or first class flights. On hotels the redemption values aren't great though; Chase is by far the best for hotels due to the CSR 1.5x and their Hyatt partnership. There aren't really any other cards that compare to either of these however. Citi used to be competitive but they removed all travel insurance so while I might use them for welcome bonuses I would avoid them for much else. Capital One is to me pretty uninteresting; less good transfer partners, less good earning rates, less insurance. If you're into cash back there are a bunch of options but if you want outsized value I think it's Chase and Amex.
I am not sure how much time one has to drain UR points after the account has been closed. I have always read T&Cs (not necessarily Chase's) that points/rewards require an account in good standing. I supposed banks might be required to give someone a grace period, especially if closure is not the individual's fault and without warning. I assumed you have already lost the points and was surprised how "calm" you are. I am glad you still have access to those points, but you probably shouldn't wait to move/redeem them unless there is a published policy that tells you how long you have after an account has been closed.
LAX
LAX
Thank you for kind words.
I would throw all 1,000,000 points into Hyatt, move on the AMEX, and go on with your life. The only thing Chase has on AMEX from a transferable point perspective is Hyatt. 1,000,000 points should last you quite a decent while so you wont miss Chase. Of course, you could also just take the $10,000.
#54
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You have 30 days to use or lose your points unless you get reinstated. You will likely NOT be approved for any more Chase cards for years to come, so that route is futile. If I were you, I would contact Chase's executive office. They're the only ones that can get your reinstated at this point.
Probably a life time! From whatever DPs reported on the net in various shut down threads, Chase and BofA seem to NEVER FORGET. Citi on the other hand would refresh in about 2.5 to 3 years but Chase and BofA keep their grudge indefinitely, even it is their own faults. Though the system block indeed could be overturned by higher up order in the case of Chase. No recollection about reading BofA success.
During the massive erroneous shut down a few years ago, the Exec Office was the route that many card holders got their positive responses / formal letter of apology when they wrote, detailed the case and asked an explanation on why their accounts were suddenly be shut down. (Some of those people had Chase banking products where the balances often are quite large - a place to put their college tuitions / living costs for the full semester or the year, fwiw).
I would take the route to write because if the situation is as stated, this is a serious programing error by Chase with the customers being adversely affected thru no fault of their own. If not corrected, the customer will have a blackmark in his profile at Chase FOREVER! Personally I would take whatever action needed to get this thing rectified instead of must "move on" as the "easy way out". The consequence of not resolving this could come back to haunt the OP in the future. No question in my mind this would eventually happen, just dont know when it might. By then it would be way way way too late to get anything done due to everything would have been archived and impossible to trace any factual history.
During the massive erroneous shut down a few years ago, the Exec Office was the route that many card holders got their positive responses / formal letter of apology when they wrote, detailed the case and asked an explanation on why their accounts were suddenly be shut down. (Some of those people had Chase banking products where the balances often are quite large - a place to put their college tuitions / living costs for the full semester or the year, fwiw).
I would take the route to write because if the situation is as stated, this is a serious programing error by Chase with the customers being adversely affected thru no fault of their own. If not corrected, the customer will have a blackmark in his profile at Chase FOREVER! Personally I would take whatever action needed to get this thing rectified instead of must "move on" as the "easy way out". The consequence of not resolving this could come back to haunt the OP in the future. No question in my mind this would eventually happen, just dont know when it might. By then it would be way way way too late to get anything done due to everything would have been archived and impossible to trace any factual history.
I understand MANY like AutoPay but most do not realize when AutoPay went wrong, it could go VERY WRONG. We have Zero AutoPay set up for any of our accounts - from credit cards to utilities - after suffered from a bad consequence Decades ago, (long before blogs and such), I swore never use AutoPay again.
What people should do is to set up ALERT in all your card accounts, to get an ALERT reminder on the date that there are X days before the payment is due. I set ours to 10 days - though by the time I got the Alerts I usually have already set up payments on the cards sites - my habit is to set up payments as soon as statements are closed, but the payments usually are a week before due date, so a future payment scheduled.
AutoPay can create a FALSE sense of Safety and that when it fails, the fall out is always UGLY.
I may take this opp to suggest that Microsoft MONEY is an excellent software that resides in your computer. The software is so good that even Microsoft has sunset it in 2010, the user forum in Microsoft User Community is still very active as of today - that is a solid proof on how much the existing users feel the software is superior even though Microsoft stopped its support a decade ago!
You can use it to keep track of every financial aspect of your household. The only draw back is because this is a discontinued product, you can no longer download financial institutions information to the software once Microsoft released the Sunset version (free for all versus a paid software with annual update), the download ability was disabled. Therefore the entries are manual. How good the data base is, of course depending on how diligent the user is keeping it updated, manually. It also has ability to generate all sorts of reports, that is a very neat feature if I need to look back a particular spend category 2 years ago, for example, I can find that thru the right report.
Over the years I had to go ask questions at the above forum and each time I was able to get the solutions. It is a very friendly, well maintained user forum. People help each other out on whatever issues a user has encountered.
For those who want to find out more -
https://social.microsoft.com/Forums/...me?forum=money
And a May 2019 write up on how to get it work on Window 10.
https://windowsreport.com/microsoft-money-windows-10-2/
What people should do is to set up ALERT in all your card accounts, to get an ALERT reminder on the date that there are X days before the payment is due. I set ours to 10 days - though by the time I got the Alerts I usually have already set up payments on the cards sites - my habit is to set up payments as soon as statements are closed, but the payments usually are a week before due date, so a future payment scheduled.
AutoPay can create a FALSE sense of Safety and that when it fails, the fall out is always UGLY.
I may take this opp to suggest that Microsoft MONEY is an excellent software that resides in your computer. The software is so good that even Microsoft has sunset it in 2010, the user forum in Microsoft User Community is still very active as of today - that is a solid proof on how much the existing users feel the software is superior even though Microsoft stopped its support a decade ago!
You can use it to keep track of every financial aspect of your household. The only draw back is because this is a discontinued product, you can no longer download financial institutions information to the software once Microsoft released the Sunset version (free for all versus a paid software with annual update), the download ability was disabled. Therefore the entries are manual. How good the data base is, of course depending on how diligent the user is keeping it updated, manually. It also has ability to generate all sorts of reports, that is a very neat feature if I need to look back a particular spend category 2 years ago, for example, I can find that thru the right report.
Over the years I had to go ask questions at the above forum and each time I was able to get the solutions. It is a very friendly, well maintained user forum. People help each other out on whatever issues a user has encountered.
For those who want to find out more -
https://social.microsoft.com/Forums/...me?forum=money
And a May 2019 write up on how to get it work on Window 10.
https://windowsreport.com/microsoft-money-windows-10-2/
Usually with Chase, if they take an adverse action, you get a letter within a week, with a number to call. Call that number, and you usually get to some kind of credit analyst that can look over the entire history of the account and the Chase relationship. They may have to pull a credit report, but I am guessing if you actually talk to someone in that department and explain what happened, your account could be restated
OP, with 1 million URs and 2 million UA miles, I personally would work on reducing my loyalty account balances and in the meantime use a simple 2% cash back card for ongoing spend. Can you use the UR for Pay-Me-back to wipe out some past charges? (build up more credit for them to refund). If not, I would probably send the UR to Hyatt and some other loyalty programs (and then work on actually using them).
I am sorry to read about your experience with Chase. I am fortunate in many ways that I did not have a lot of credits due to canceled travel post to my cards, but I am convinced I would have fallen into the same trap. I have minimum auto-pay set up for all my cards as a safety net, but I always pay the full balance manually before auto-pay kicks in. So in the OPs scenario I would likely have seen an negative account balance due to credits and done nothing manually. And then auto-pay would have also done nothing and my account would have been closed. Scary... and I definitely would consider filing a CFPB complaint if a Chase manager wouldnt see how their implementation of credits and auto-pays is illogical and unfair.
I am sorry to read about your experience with Chase. I am fortunate in many ways that I did not have a lot of credits due to canceled travel post to my cards, but I am convinced I would have fallen into the same trap. I have minimum auto-pay set up for all my cards as a safety net, but I always pay the full balance manually before auto-pay kicks in. So in the OPs scenario I would likely have seen an negative account balance due to credits and done nothing manually. And then auto-pay would have also done nothing and my account would have been closed. Scary... and I definitely would consider filing a CFPB complaint if a Chase manager wouldnt see how their implementation of credits and auto-pays is illogical and unfair.
Yes, I have too many points/miles. The reason: I always buy revenue tickets to earn status, and hardly I redeem points/miles.
Right now the whole world is shut down. Who knows when we can travel again.
Cash back card is something I am seriously considering.
I'd be incensed if I were OP. I had a huge credit balance on my AMEX Plat for months due to all my flight/FHR cancellations until I finally got around to requesting a credit, so of course I didn't make any payments. I'm glad I didn't have that situation with Chase. Chase's whole system here seems awful, as I just don't think any reasonable person would believe a monthly payment would be necessary with a credit balance.
.
.
FWIW, I got that initial response when I called in after first applying for the CSR last year and had gone 2 weeks without a response. I told the agent that if that was the case, please cancel my application as I wanted to buy some airplane tickets for an upcoming trip and the card was useless to me if I couldn't do that. S/he asked me to hold a moment then returned to the line about 2-3 mins later saying my application had been approved and I could expect the card to be delivered within a week.
#55
Join Date: Mar 2009
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Posts: 1,142
There is WAY more to this situation that what is being shared.
#56
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Join Date: Dec 2006
Location: Pacific Northwest
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I understand MANY like AutoPay but most do not realize when AutoPay went wrong, it could go VERY WRONG. We have Zero AutoPay set up for any of our accounts - from credit cards to utilities - after suffered from a bad consequence Decades ago, (long before blogs and such), I swore never use AutoPay again.
What people should do is to set up ALERT in all your card accounts, to get an ALERT reminder on the date that there are X days before the payment is due. I set ours to 10 days - though by the time I got the Alerts I usually have already set up payments on the cards sites - my habit is to set up payments as soon as statements are closed, but the payments usually are a week before due date, so a future payment scheduled.
AutoPay can create a FALSE sense of Safety and that when it fails, the fall out is always UGLY.
What people should do is to set up ALERT in all your card accounts, to get an ALERT reminder on the date that there are X days before the payment is due. I set ours to 10 days - though by the time I got the Alerts I usually have already set up payments on the cards sites - my habit is to set up payments as soon as statements are closed, but the payments usually are a week before due date, so a future payment scheduled.
AutoPay can create a FALSE sense of Safety and that when it fails, the fall out is always UGLY.
The scenario the OP encountered seems fairly unusual (I rarely return something and very rarely have a credit balance). And it seems like a Chase bug they should be willing to fix.
#57
Suspended
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Location: DCA
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Posts: 50,262
Even if you have only one card and fairly routine use of that one card, having auto-pay for the minimum is common sense. It costs nothing is a one-time effort and if you louse up even once, it will have been worth it.
#58
Join Date: Sep 2008
Location: AUS
Programs: BAEC Gold, AA PPro, Hyatt Globalist, Amex Plat
Posts: 6,983
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...
Regards
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...
Regards
#59
Join Date: Sep 2018
Posts: 7
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.
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.
#60
Join Date: Sep 2014
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Posts: 1,647
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...
Regards
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...
Regards
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.
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.
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.