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
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.