I called Chase CS to achieve 3 simple items:
- Transfer $5K from Amazon account to Sapphire
- Upgrade Slate or Amzn to Freedom
- Lower APR on my 3 cards
I've been meaning to do a BT to one of my Chase cards so I decided to do some house cleaning on my accounts to make space for the BT. I wanted to do the BT to my Sapphire Preferred since it has a better promo than my Slate. Thing is, I have $6.5K sitting on my Amzn card not doing anything -- with no special promos or anything, wasting away -- so I decided to phone Chase and place $5K to my Sapphire. All was well and smooth until the operator came back and said "I must inform you that to complete your request, I will transfer you to the lending department and they 'MAY' do a hard-pull on your credit." Incredulously, I thought she was joking...why on earth would there need to be a HP to transfer a limit from one product to the next?!?! Mind you, there is a $0 balance on Amzn...so what are they checking my credit for? I've done this several times with Chase before with no hitch, so why now all of a sudden? New policy? Peeved, I said no thank you.
I then inquired if my Slate card, which was opened late last year, or my Amzn could be upgraded to Freedom, which everyone does mind you since Slate is a bottom of the pack card use only for promo BTs. Another shock, no product changes allowed. Floored x2! When I first opened the Slate card, they said I can easily upgrade to Freedom within 6 months to a year with no problem.
I then asked if any of my APRs can be reduced: CSP @ 15.24%, Amzn @ 17.24% & Slate @ 22.24%. Bemused, none of them were eligible for a reduction. Floored x3!!!
What on earth has happened to Chase's customer service? Were these uncommon requests or what? I've been a customer with them since 2007 and never had any difficulties, late payments and the like...what they call a safe, low-adverse risk customer.
Yeah I'm ticked! Has anyone else experience difficulties in either of these circumstances? Sort of at a loss for words...I know Chase can at times be sticklers but this is over the top.