Chase Blueprint payment calculator is skipping purchases?

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agp
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Chase Blueprint payment calculator is skipping purchases?

Postby agp » Mon Apr 23, 2012 1:44 pm

Just a little thing that bothers me - I have automatic payment set up with Blueprint, and it's scheduled to pay in full every month, but sometimes some of my purchases do not fall into any of the categories listed in Blueprint, so it does not get paid off. Anyone else have this problem? And how can this be solved?

I talked to a Chase banker and he seemed clueless. He said every purchase should be able to fall into one of the Blueprint categories :confused:

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred


agp
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Postby agp » Fri Apr 27, 2012 8:47 pm

Anyone??? :(

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

JimC
 
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Postby JimC » Tue May 08, 2012 5:53 pm

agp wrote:Just a little thing that bothers me - I have automatic payment set up with Blueprint, and it's scheduled to pay in full every month, but sometimes some of my purchases do not fall into any of the categories listed in Blueprint, so it does not get paid off. Anyone else have this problem? And how can this be solved?

I talked to a Chase banker and he seemed clueless. He said every purchase should be able to fall into one of the Blueprint categories :confused:


The Blueprint program is misleading. In my opinion, it is an example of really really bad behavior by a big bank trying to take advantage of people.

In more than 20 years of using credit cards a lot, I have never paid interest and don't intend to. In my family's set of Chase cards, we had one never-used card that we decided to start using for a certain set of purchases. That's when I learned about Blueprint.

I tried to enroll it in full monthly autopay just like the rest of our cards. Only "minimum payment" and "Blueprint" were available. So, I reluctant went into the overdone Blueprint management tools, signed up for "Full Pay" and selected all available categories. This made me nervous since it didn't simply indicate "pay full bill" !! But given that there was no "fuller" choice, I chose it. A month later, I see a finance charge - yes, "Full Pay" doesn't necessarily pay in full because not every purchase falls into one of the available categories. To me, this is a SCAM.

I talked with two people from Chase today. They refunded the charge. They DID know what was going on though their explanations were obfuscated and infuriating (well, perhaps only the first person). The first person tried to keep me enrolled in BluePrint and said I just needed to carefully click the right buttons. BUT, that's not true and she eventually admitted it. You cannot pay full balance with Blueprint *AND* you cannot turn off/dis-enroll from Blueprint online. You must have a second-level Chase person do it. Eventually she connected me to another person (a non-obfuscating person) who was able to do the magic to get me out of Blueprint. He said it would take 48 hours (why??) - but then the automatic payment options would again be the old three standard payment options, including full balance.

Clearly, Chase does not want consumers in Blueprint to be able to pay the full balance, but makes a lot of noise about wonderful options like "FullPay." Horrible and misleading behavior.

Jim

agp
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Postby agp » Sun May 13, 2012 6:48 am

Those sneaky bastards. I spoke with a CSR in person regarding this issue, and he tried to play dumb and told me that Full Pay will pay your Blueprint payment in full... No sh**! But my Blueprint payment doesn't include all my purchases!

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

agp
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Postby agp » Thu May 17, 2012 2:34 pm

Since I made this thread I have spoken with at least half a dozen of different Chase CSR regarding new card inquiry, checking account inquiry, CLI requests, etc etc. And every time I speak with one of them I always ask about the Blueprint "Full" Pay option. In short, no CSR will tell you Blueprint Full Pay does not pay your statement in full; instead, they will say "Blueprint Full Pay options pays your minimum monthly payment plus the full Blueprint payment plan. If you have it on full then it will pay it all" which then your brain automatically assumes full/all = your entire monthly balance. Which is a false assumption. Basically if you are getting Chase Freedom, you're looking at paying your credit card manually (which you should anyway because it's good to validate your purchases).

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

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danpass
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Postby danpass » Thu May 17, 2012 3:25 pm

thanks for the input.

I'm currently in Blueprint until I can knock out the balance manually but from what you've said, once I have it down, I'll be calling in to set up full amount autopay.

agp
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Postby agp » Thu May 17, 2012 5:26 pm

Yea it seems like auto full pay without Blueprint is something you'll have to do in person... Phone and email CSR are no help.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

birdman22
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Postby birdman22 » Thu Jun 28, 2012 2:17 pm

for those that are interested, blueprint is of absolutely no use unless you ARE carrying a balance or intend on carrying a balance on your chase card. If you want to set up auto pay for the full balance, don't even bother with blueprint. Just set up auto pay online for the previous statements balance.

I have chase freedom, and did a lot of research on blueprint. It is a great tool for people who don't pay in full, but is of no use to a person who pays in full (other than the "track it" feature which is very useful for budgeting purposes)

DavidNY
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Postby DavidNY » Sun Jul 01, 2012 9:22 am

"track it" only counts the charges made to this card, and since I just use it for the 5% categories, it's pretty meaningless.



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