Card Verification
 

So, just received a new copy of my FU card - just standard replacement with expiry of existing cards.

Was a little confused because it gives you options to verify receipt of the card (app, chase.com/verifycard or by phone), but using the app, it tells me card verification is no longer necessary. Is this how it is now?

I mean, don't get me wrong, if I no longer have to verify, makes it easier for me. On the other hand, my understanding was that the verification was in place in the first place to make sure I, as the cardholder, received the card (in case of potential mail loss/theft), so not sure how getting rid of the verification helps either me (as the customer with a potentially affected card) or Chase (who would need to deal with any liability if someone were to take card from the mail).

Call the phone # just to be sure. It's automatic and only takes a few seconds.

It sounds as if Chase still requires activation of some, but not all, cards:

SOURCE: https://www.chase.com/personal/credi...ew-credit-card

In my experience there is no problem using cards that have not been activated, but I have no specific recollection of doing this with a Chase card.

I suspect this may be related to the issuers ability to track the delivery with the post office. (I've seen status tracking with other issuers that shows they know when the post office has done the final delivery.) That combined with you either calling from your own phone (Caller ID match) or launching a known app they've already gotten enough info to know you received the card and all is well.

I suppose this makes the most sense. In most cases, USPS marking card as delivered, IMO, shouldn't really be enough for a bank security-wise, since most mailboxes are not locked and therefore open to mail theft. Even though Chase never sends their name on the return address on envelopes with cards in them, I've been with Chase long enough to know where the cards come from, and I'd be surprised if there aren't others with nefarious intentions that don't know that as well.