Oct 2, 2014, 8:14 pm
Last edit by: MasterCharge
DO NOT CALL CHASE ABOUT THIS
You might want to read more about this hear. http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/?_php=true&_type=blogs&_r=0
Oct 2nd- State of CC Loading to Serve
except to ask for a $0 cash advance limit. This can also be done via secure message.
Some Chase cardholders have reported a change in their cash advance limit after a pending charge appears for their Serve load, and they presume it means the Serve load is a cash advance. No one has reported an actual cash advance fee yet, only a pending charge of $200. This could change but this situation has happened before! In the past, such charges eventually turn into ordinary charges and the cash advance goes away.
You cannot dispute a charge while it's pending, so there's no point in asking Chase about anything that hasn't posted. No one has reported a cash advance fee, and unless you have one do not call Chase.
There are reports of a change in cash advance limits after a Serve load with the following cards::
There are also reports of NO cash advance when using the following cards. Note the overlap:
Note that some of the reports appear in the Serve thread.
You might want to read more about this hear. http://dealbook.nytimes.com/2014/10/02/jpmorgan-discovers-further-cyber-security-issues/?_php=true&_type=blogs&_r=0
Oct 2nd- State of CC Loading to Serve
except to ask for a $0 cash advance limit. This can also be done via secure message.
Some Chase cardholders have reported a change in their cash advance limit after a pending charge appears for their Serve load, and they presume it means the Serve load is a cash advance. No one has reported an actual cash advance fee yet, only a pending charge of $200. This could change but this situation has happened before! In the past, such charges eventually turn into ordinary charges and the cash advance goes away.
You cannot dispute a charge while it's pending, so there's no point in asking Chase about anything that hasn't posted. No one has reported a cash advance fee, and unless you have one do not call Chase.
There are reports of a change in cash advance limits after a Serve load with the following cards::
- Chase Sapphire Preferred
- Chase UA Explorer Visa
- Chase UA Club
- Chase Ink Bold Visa
- Also a Capital One card
- Discover IT
There are also reports of NO cash advance when using the following cards. Note the overlap:
- Chase Sapphire Preferred
- Chase UA Explorer Visa
- Chase UA Explorer MC
- Chase British Airways Visa
- Chase Southwest Visa
- Also Barclay, Citi cards (Prestige, AA), Fidelity AMEX seem to be ok
- Bank of America (Visa)
Note that some of the reports appear in the Serve thread.
Chase may be coding Amex Serve as a Cash Advance (not confirmed)
Oct 3, 2014, 7:43 am
#121
Join Date: Dec 2011
Posts: 253
Capital One is still coding Serve loads as "Merchandise."
Oct 3, 2014, 7:48 am
#123
Join Date: Oct 2014
Posts: 53
My UA load on Oct 1st disappeared from pending and now showing up in post transaction at this moment. Can't say what it was coded as. Fingers crossed!
Oct 3, 2014, 8:01 am
#125
Join Date: May 2000
Location: Home: Arlington, VA; Home airports: IAD/DCA/BWI
Programs: Active: AA, UA, DL
Posts: 4,095
Charged $500 on 10/1. Posted.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
Oct 3, 2014, 8:11 am
#126
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Charged $500 on 10/1. Posted.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
I think it is more likely a change was made for loans as of 10/2 to either temporarily code them as CA or to actually code them as CA.
Oct 3, 2014, 8:17 am
#127
Join Date: Feb 2012
Location: LAX
Programs: AA, TY, UR, UA, US, WN, MR, SPG
Posts: 1,453
I was going to change my linked card from my CSP to my Club Carlson, but I'll hold tight for now, I guess. No loads attempted yet. I usually wait for my statement to cut around the 10th.
Oct 3, 2014, 8:32 am
#129
Join Date: May 2011
Programs: US Airways Gold, Marriott Platinum, SW A List
Posts: 1,575
Oct 3, 2014, 8:34 am
#130
Join Date: Aug 2013
Posts: 1,207
Oct 3, 2014, 8:42 am
#131
Join Date: Mar 2014
Posts: 38
Charged $500 on 10/1. Posted.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
Charged $500 on 10/2. Still pending.
Cash advance is $500 lower than my limit. Chase shows the transaction on 10/1 earning 500 miles. So I think the authorization uses the cash advance limit. But when it actually posts, it posts as a purchase.
Waiting for my charge on 10/2 to post.
So far, so good.
Oct 3, 2014, 8:49 am
#132
Join Date: Aug 2011
Posts: 19
Lowered my cash advance on my Chase IHG MC to $20 and loaded $200 last night and today. Everything seems to have worked fine.
Oct 3, 2014, 9:14 am
#133
Join Date: Oct 2014
Posts: 2
My 10/1 posted as normal, got 500 pts for it and no cash advance fee popped up on CHASE FREEDOM, my 10/2 is pending.
My cash advance limit was at 100 of 600 until i paid it down immediately and now its at 600 again even with the pending serve load.
So it looks like it is a cash advance then on freedom? Even though I got points on the purchase?
My cash advance limit was at 100 of 600 until i paid it down immediately and now its at 600 again even with the pending serve load.
So it looks like it is a cash advance then on freedom? Even though I got points on the purchase?
Last edited by fredcol; Oct 3, 2014 at 9:15 am Reason: format
Oct 3, 2014, 11:16 am
#134
Join Date: Mar 2014
Posts: 78
I called Chase to set my UA Explorer to $0. The lady on the phone said she couldn't do it. If set to $0, then it becomes unlimited. *whatever* So she set mine to $1 instead. Oh well. Whatever works. as long as limit is low enough then i dont care.
Oct 3, 2014, 12:45 pm
#135
Join Date: Feb 2013
Location: CMH, West Coast
Programs: AA Executive Platinum, oneworld emerald
Posts: 2,741
Can confirm that my Chase Hyatt card is now coding as a cash advance as well. Did 2x$200 loads yesterday and this morning (before I saw the news) and my cash advance limit is down $400. Oh well.