Chase misinformation

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MemberSince99
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Chase misinformation

Postby MemberSince99 » Thu Jun 11, 2015 6:03 pm

I applied for the Amazon Visa by Chase, and was approved with a 500 limit. I called Chase to ask if I moved limit from my CSP and Freedom Visa Signature cards, first if I could do that and second if the Amazon Visa would then be a signature. I was told yes to both questions. (These were American reps by the way).

Today I get the card, and it doesn't say Signature. I call Chase, and now they confirm it's NOT in fact a Signature card. I ask can it be made one like I was told it would be. (This was after the foreign rep read from a script telling me all about the new signature security feature of my chip card. I had to explain no I'm not calling about security, I'm calling about the type of card and had to explain what the difference is). They checked into whether it can be changed to a Signature card, and despite having a 23.5k limit, I am told it can NOT be made into a Signature card. (The rep encouraged me to apply for the Signature version - there is only one way to apply for the card you can't choose whether it's Signature or non-Signature when you apply.....these reps know less than a lot of people on this board do about their own products).

Not happy with Chase here. I wanted to keep one Visa Signature card and that's why I left the BoA card open while I made SURE that Chase wasn't feeding me BS. Now that I've learned they in fact didn't know what they were talking about, I'm inclined to close the Amazon and just keep the BofA card as my lone Signature Visa for the benefits.
I am truly not happy with Chase not knowing what they were talking about because I SPECIFICALLY told them that I would NOT close my Signature cards if this card was not a Signature Visa. They told me it would be a Signature card though I doubted them as they were saying it.

NOT IMPRESSED. I guess there IS a career path for journalism or medieval history majors after all that doesn't involve asking people if they want fries with that.


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CarefulBuilder14
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Re: Chase misinformation

Postby CarefulBuilder14 » Thu Jun 11, 2015 7:38 pm

What are you buying on Amazon, if a hard limit of $23.5k is a problem?

And if it's not the soft Chase CL, what would you miss about Visa Signature?
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Nixon
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Re: Chase misinformation

Postby Nixon » Thu Jun 11, 2015 7:42 pm

CarefulBuilder14 wrote:What are you buying on Amazon, if a hard limit of $23.5k is a problem?

And if it's not the soft Chase CL, what would you miss about Visa Signature?


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MemberSince99
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Re: Chase misinformation

Postby MemberSince99 » Thu Jun 11, 2015 8:01 pm

It's not the limit at all. It's the perks that come with that type of card. I wanted to keep a Visa signature so that I would have that available.

Luckily I hung onto the BofA card and I'm giving serious consideration to just deep 6ing Chase. I wanted to close some cards, and maybe this is just a way for me to determine which should go.

I just can't excuse not bothering to find out the answer to that instead of just telling me what they thought I wanted to hear to get me off the phone. They should know or be able to find out the information and tell me. It's called "customer service" which is what they supposedly do.

And yeah I do realize corporate America only cares about cheap not good so they throw half trained people in and it's sink or swim or your job is offshored to Vietnam where they will work for a bowl of rice a day and worship the CEO as a deity for it. So in a way I can't be too hard on the reps, but on the system that puts them in that position. Poor customer service, it really is.

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Re: Chase misinformation

Postby whit » Thu Jun 11, 2015 8:55 pm

It's so annoying but it's true wherever you do business; just a draw of luck with which rep you get. I think it's a misconception that American reps are more knowledgable than overseas ones..but I digress

When I was young I learned from my mom to record everything. Any phone calls I make, I make a note of the time, the date, person's first and last name--if not than the first and a badge number will do, as well as any confirmation number or ticket once things have resolved.

This helped when I had a major issue at bofa and same with Chase. Bofa was harder to get the rep to look at previous notes and even the supervisior made me go through a half hour of exasperation before he finally said, "let me review the notes"

He made it seem like he was doing me a huge favor btw, by taking off the fee but if he didn't I would have reported them for not keeping my info private, as a check already deposited via mobile app elsewhere was taken into bofa by a third party (who I also yelled at as well since I never asked them to do so) who isn't suppose to have knowledge that I have an account there, much less be able to desposit in..and I have never gotten a bank fee from bofa, Chase, Ing, capital360, Wells Fargo, citi, etc *knockonwood* and still haven't since then

Anyways, Chase records the phone calls and they can review it if you really want it that bad, maybe they can escalate and see if something can be done.

I know that reps tend to double check when I repeat verbatim what they've done so far for me (breaking down, and basically asking them to reconfirm) and usually they'll either say yes or hold on let me triple check..

I've heard countless folks give "guesses" as if they're really facts and majority will go ask someone else if they're questioned but there are some prideful ones or lazy, that won't go and do the homework.

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Re: Chase misinformation

Postby MemberSince99 » Fri Jun 12, 2015 6:00 am

That's a great point, whit. I'm just kind of leaning towards further thinning the herd using Chase. I still have more cards than I want or need. 23.5k is not a limit that I dump lightly, but frankly even without it, I'd STILL have FAR more limit than I would ever use.

To be honest, I've never seen a picture of the Amazon Visa that said "Signature" on it - all the online images are non Signature cards, so I do believe the second time I was told the truth about the card, vs the first group who didn't know and just made up an answer. If that's the case, no matter what was said on the call, I'm screwed.

But like I said, I have too many cards anyway, so it could be a blessing in disguise. I haven't bothered to activate the thing and it's in the sock drawer. I'm leaning towards just calling them this weekend and closing it, and then moving my checking account out of Chase as well. I just want to make sure I don't take a hard pull for that (which is ridiculous in my opinion) and that I time it right since Amex will not let you make a payment for 30 days after you do that. It's kind of a pain, but I had been thinking of doing that anyway, and this is probably the push that just causes me to go do it. I'd like to move my checking account to the bank that services my mortgage so that then I don't have to show up with a check once a month but instead I can just transfer the money from my account. And yes I know, I could pull the money in, wait a few days, then do it online, but I just don't really trust that setup for whatever reason (weird or not) and in the messing around that would take, the bank is close enough I can just go there. But it would make my life a bit easier that way in that I'd only have one check a month (vehicle payment to local CU).

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Re: Chase misinformation

Postby Vattené » Thu Jun 18, 2015 4:33 pm

I must be misunderstanding, because surely you aren't saying Chase may take a HP on you just for closing out a checking account??

I record all phone conversations with CSRs, too. They do it anyway for "quality assurance" purposes so I might as well for my own "honesty assurance." I started when I needed to ask for no-HP CLIs on Synchrony cards, and I just don't trust what their CSRs had to say (I tried secure messages, but I kept getting non-answers). Fortunately I have never had to use a recording for anything, but I want to have hard proof on my side if I ever get screwed over.

That's why I prefer making any payment I can online, too. A check can get lost in the mail (not that it's likely, but if it happens you're screwed), but a screenshot of an online payment proves you at least initiated it in time, and usually comes with a confirmation number as well.
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Re: Chase misinformation

Postby CarefulBuilder14 » Thu Jun 18, 2015 5:25 pm

Is anyone else having trouble getting Amazon to give the $10 "pay with UR points" credit? I'm trying to make a $15-ish purchase with 1 UR point and about $5 on the CSP. Amazon is saying the promo code is invalid, though.

I'd technically be redeeming one UR point at 1001 cpp. Not bad - if I can get it work!
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kdm31091
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Re: Chase misinformation

Postby kdm31091 » Thu Jun 18, 2015 7:50 pm

I don't know why they told you moving limits would make it a Signature.

The signature or lack thereof was determined at initial approval. A 500 limit gets you a regular Visa. Moving limits after the fact is "too late" and won't change it. The regular Visa account has been made.

It's not really a reason to ditch a company IMO but do what's best for you. Anecdotally Chase allows upgrades to Signature after a year.

Nixon
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Re: Chase misinformation

Postby Nixon » Thu Jun 18, 2015 7:52 pm

kdm31091 wrote:I don't know why they told you moving limits would make it a Signature.

The signature or lack thereof was determined at initial approval. A 500 limit gets you a regular Visa. Moving limits after the fact is "too late" and won't change it. The regular Visa account has been made.

It's not really a reason to ditch a company IMO but do what's best for you. Anecdotally Chase allows upgrades to Signature after a year.


It can be upconverted after 13mos.
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