Chase closed my CSR. Why?
Sep 28, 2020, 1:04 pm
#106
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Join Date: Jul 2003
Location: Florida
Posts: 29,763
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.
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 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.
Last edited by Happy; Sep 28, 2020 at 1:25 pm
Sep 28, 2020, 7:07 pm
#107
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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!
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.
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.
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).
+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.
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.
I'll disable AutoPay. Who knows what crazy system bug from Chase would hit me again!
Sep 28, 2020, 11:03 pm
#108
Join Date: Nov 2004
Location: Los Angeles, CA; Philadelphia, PA
Programs: OZ Diamond
Posts: 6,140
......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. :-)......
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. :-)......
LAX
Sep 29, 2020, 8:03 pm
#109
Join Date: Jan 2010
Posts: 698
I am happy to report that Chase has reinstated my account quickly after I emailed Chase Consumer Banking CEO and secondary contact. Someone from Chase Executive Office left a message in my office voice mail within 24-48 hours after my email was sent. This is impressive speed of response. I happened to check my office voice mail or I didn't even know that my account is back.
I wrote that many people might also be negatively affected by Chase AutoPay due to much less spend during COVID-19. It's a serious system flaw that needs to be addressed. The message I got from Chase acknowledged this issue, promised quick reinstatement of my account, and left name and phone number I can call should I have any questions or concerns. It's done very professionally.
My next issues:
1) I have transferred 1 million UR points to my son. He doesn't travel much. Should I transfer all the points back to my account?
2) My wife and son both have CSR cards. With travel spending way down, it doesn't make too much sense to pay 3X hefty fees. Maybe we should close 1-2 cards?
Many thanks to all of you for offering valuable suggestions. In particular, I am grateful to Happy who sent me several PMs to assist and notquiteaff for helping with Chase Executive contacts.
I have been a FT member for 17 years, and this thread is what makes FT such a great community.
I wrote that many people might also be negatively affected by Chase AutoPay due to much less spend during COVID-19. It's a serious system flaw that needs to be addressed. The message I got from Chase acknowledged this issue, promised quick reinstatement of my account, and left name and phone number I can call should I have any questions or concerns. It's done very professionally.
My next issues:
1) I have transferred 1 million UR points to my son. He doesn't travel much. Should I transfer all the points back to my account?
2) My wife and son both have CSR cards. With travel spending way down, it doesn't make too much sense to pay 3X hefty fees. Maybe we should close 1-2 cards?
Many thanks to all of you for offering valuable suggestions. In particular, I am grateful to Happy who sent me several PMs to assist and notquiteaff for helping with Chase Executive contacts.
I have been a FT member for 17 years, and this thread is what makes FT such a great community.
Oct 2, 2020, 7:58 am
#110
Join Date: Sep 2020
Posts: 5
I recently had my CSR closed for the exact same reason as the OP. I had immediately called the CSR customer service and spoke to a supervisor who said there was nothing they could do. My local Chase branch manager had a rep from Chase Executive office reach out to me but they could not help either. So far all attempts to re-open have been met with failure. Any help I can get in matter would be much appreciated!
Oct 2, 2020, 11:48 am
#111
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
I recently had my CSR closed for the exact same reason as the OP. I had immediately called the CSR customer service and spoke to a supervisor who said there was nothing they could do. My local Chase branch manager had a rep from Chase Executive office reach out to me but they could not help either. So far all attempts to re-open have been met with failure. Any help I can get in matter would be much appreciated!
Oct 2, 2020, 1:27 pm
#112
Join Date: Sep 2020
Posts: 5
Sorry to have bothered you. My phone browser makes it difficult to follow this thread as it bounces me to random pages as I am trying to navigate and read posts. I saw the OP thanking people for helping him in his success post referring to PMs sent so I thought that was how he got the contact info.
Oct 2, 2020, 2:41 pm
#113
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Sorry to have bothered you. My phone browser makes it difficult to follow this thread as it bounces me to random pages as I am trying to navigate and read posts. I saw the OP thanking people for helping him in his success post referring to PMs sent so I thought that was how he got the contact info.
Oct 2, 2020, 2:57 pm
#115
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,763
Sorry to have bothered you. My phone browser makes it difficult to follow this thread as it bounces me to random pages as I am trying to navigate and read posts. I saw the OP thanking people for helping him in his success post referring to PMs sent so I thought that was how he got the contact info.
The OP's action taken post is a very long post, you may want to view it with a device other than from the phone, just sayin.
Since he is having trouble navigating this thread would you be kind enough to list the post #s that will help him?
https://www.flyertalk.com/forum/32681062-post83.html
https://www.flyertalk.com/forum/32690570-post100.html
https://www.flyertalk.com/forum/32706469-post104.html
Oct 2, 2020, 4:09 pm
#117
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Dec 3, 2020, 9:56 am
#118
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
Like many others, I was offered $150 on Sapphire Reserve about 90 seconds into the call. The agent said it would post after a while (I forget, maybe six to eight weeks), but it posted after four days. That's the real point to this post.
Pertinent to a different thread, the agent cautioned me that the retention offer would not satisfy a required minimum payment, and I should be sure to make such minimum payment. (Even after the retention offer, there was a balance due. I pay the balance in full each month by auto-pay, which did take the correct amount, which was more than the minimum payment and resulted in a balance of zero.) Since I had received a large credit on another card with a balance due, I asked about that other card, and was assured that no minimum payment would be due. Why? I don't know, and the agent did not give an explanation that I understood. Maybe it was because the credit more than offset all the charges, leaving a credit on the account, but that seems to contradict the issue in the other thread. (I did follow some of the advice in the other thread and set up an alert to notify me if a payment was missed, and received no alert.)
Pertinent to a different thread, the agent cautioned me that the retention offer would not satisfy a required minimum payment, and I should be sure to make such minimum payment. (Even after the retention offer, there was a balance due. I pay the balance in full each month by auto-pay, which did take the correct amount, which was more than the minimum payment and resulted in a balance of zero.) Since I had received a large credit on another card with a balance due, I asked about that other card, and was assured that no minimum payment would be due. Why? I don't know, and the agent did not give an explanation that I understood. Maybe it was because the credit more than offset all the charges, leaving a credit on the account, but that seems to contradict the issue in the other thread. (I did follow some of the advice in the other thread and set up an alert to notify me if a payment was missed, and received no alert.)
Dec 3, 2020, 11:09 am
#119
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Join Date: Jul 2003
Location: Florida
Posts: 29,763
Like many others, I was offered $150 on Sapphire Reserve about 90 seconds into the call. The agent said it would post after a while (I forget, maybe six to eight weeks), but it posted after four days. That's the real point to this post.
Pertinent to a different thread, the agent cautioned me that the retention offer would not satisfy a required minimum payment, and I should be sure to make such minimum payment. (Even after the retention offer, there was a balance due. I pay the balance in full each month by auto-pay, which did take the correct amount, which was more than the minimum payment and resulted in a balance of zero.) Since I had received a large credit on another card with a balance due, I asked about that other card, and was assured that no minimum payment would be due. Why? I don't know, and the agent did not give an explanation that I understood. Maybe it was because the credit more than offset all the charges, leaving a credit on the account, but that seems to contradict the issue in the other thread. (I did follow some of the advice in the other thread and set up an alert to notify me if a payment was missed, and received no alert.)
Pertinent to a different thread, the agent cautioned me that the retention offer would not satisfy a required minimum payment, and I should be sure to make such minimum payment. (Even after the retention offer, there was a balance due. I pay the balance in full each month by auto-pay, which did take the correct amount, which was more than the minimum payment and resulted in a balance of zero.) Since I had received a large credit on another card with a balance due, I asked about that other card, and was assured that no minimum payment would be due. Why? I don't know, and the agent did not give an explanation that I understood. Maybe it was because the credit more than offset all the charges, leaving a credit on the account, but that seems to contradict the issue in the other thread. (I did follow some of the advice in the other thread and set up an alert to notify me if a payment was missed, and received no alert.)
I were you I would suspend the autopay function until the credit balance is depleted. Personally and many of my friends, do NOT use AutoPay for any of their credit cards. Utility bills, yes. Credit Cards, no.
Payment is due before X days alert is good enough for me to not miss any payment, particularly the X is set as 10 days. My friends set it as 7 days, which probably is enough for most situations.
Dec 3, 2020, 12:05 pm
#120
Join Date: Sep 2015
Location: flyover country
Posts: 2,435
But the missed payment and the auto-pay are two different things, aren't they? If Chase expects a payment and doesn't get it, that's a missed payment, whether the payment would have come by auto-pay, bill-pay, check, or other means. It is true that I wouldn't find out about it until the payment had been missed, but to my mind that's a lot better than finding out about it a month later or when Chase closes the account.
First, I'm glad you said that, because I had not considered future months, when there might be charges but still a net credit, like the discussion in the other thread. I was only looking at the current month.
But would I need to suspend auto-pay? If I simply pay in full manually before the due date, then auto-pay should draw nothing even if there really had been a balance due. In other words, why wouldn't I want belt and suspenders?
But would I need to suspend auto-pay? If I simply pay in full manually before the due date, then auto-pay should draw nothing even if there really had been a balance due. In other words, why wouldn't I want belt and suspenders?