Amazon.com Chase Visa is the worst card

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ryans
 
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Location: San Jose

Amazon.com Chase Visa is the worst card

Postby ryans » Sat Nov 21, 2009 12:55 pm

I have had the Amazon.com Chase Business Credit Card for about two months and it has absolutely been the worst card I have ever had in my life. They have frozen my credit card dozens of times. In fact, I have to call them 1-3 times per day to remove a hold on my account. Each time they tell me they are putting the "highest clearance" available. They even have "supervisor clearance". All of those don't seem to make any difference. I still have to call and talk to them the next day. A few weeks ago, they decided to cancel my account while I was on vacation. They thought my account was fraudulently opened for some reason. Even though I call and verify the various questions they ask they still thought it wasn't me for some reason. So, I faxed them some info and they said "ok, we'll open some new accounts for you". I got the new cards and now I'm going through the same exact thing again.

If you run a business and purchase products on credit cards, I would strongly recommend not using Amazon.com Chase Business.

I have NEVER experienced this type of service before in my life.


jeffysdad
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I've had similar but far less severe experience...

Postby jeffysdad » Sun Nov 22, 2009 11:03 am

with a Citi card a few years ago. Several times not long after account was opened it was frozen for suspicious charges, which as it turned out were in fact made by me. It was very frustrating and I ended up canceling the account.

Since that time I've had other Citi accounts without incident. I've also been a longtime Chase card user (including the Amazon consumer card), and I've never had a problem with the account being inappropriately frozen. (Although there have been a few instances of attempted fraud where my no. had been lifted and the account frozen.)

You should probably check your credit report and with your other credit providers to make sure there ins't something going on.

The software the card companies use, I understand, "learns" the behavior of individual consumers. So when an account is new it is much more likely to get flagged. That doesn't make you feel any better, I'm sure.

I always carry two-three cards just to be on the safe side in case one is flagged.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

Floppster
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Postby Floppster » Sun Nov 22, 2009 9:47 pm

I hear many of these nightmare stories with these "Store issued" credit cards. No matter if it is Macy's, Buy.com, Amazon or Target. Yes I hear nightmares from BoA Cards, Amex, Citi or Chase as well however I believe there are way more issues with Store issued cards. I had to got to Europe early this year. Used my Amex in Hotels, Restaurants and stores and even though I have not talked to Amex about my trip at all I had no issues. I only carried 2 cards. My Amex and my Debit card. Sure there where places where you can't use Amex however they take Visa or cash. I was traveling in the US and used my Amex without ever calling them. No I am not getting paid for what I am saying, I just believe Amex is the best there is, no matter if you carry a Charge or Credit Card from them. If you rather go with a card from your bank then using Amex just do it but please drop store issued credit cards. Even if they may look attractive at first they aren't.
Intellectuals solve problems. Geniuses prevent them.
- Albert Einstein 1879-1955

jeffysdad
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A note on defining our terms...

Postby jeffysdad » Mon Nov 23, 2009 6:16 am

Very few (if any, anymore?) store-branded major credit cards are store-issued. I think Target actually issued (i.e., was the "bank" behind) their card, but I don't know this for sure and I think it might have changed. Anyone??

I think more stores used to issue their own major (MC, Visa) cards but then sold their receivables to banks when they found out the biz was a bigger headache than they thought.

In the case of the Amazon card, it is issued and supported by Chase, making it store-branded, not store-issued. Chase logo is on the card and web interface is same as for all other Chase cards. If you have a beef with the card, it's with Chase, not Amazon.

I just paid off a store-branded Visa card from a regional mattress store (3 years, no-interest deal). It was issued by Wells Fargo, but their name didn't appear anywhere on the card, although it was all over the statement. The card looked kind of silly: "Mattress Firm" Visa with no bank logo, looked really credible.

As an aside, I once met someone who thought the heavy equipment/earth mover manufacturer Caterpillar made hiking boots, too, because she saw their logo on a pair of men's boots. That's clearly a case of branding, not manufacture.

I only bring this up because I think it's an important distinction in a consumer society that's highly focused on brands. Perhaps a discussion for the lounge.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

jeffysdad
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Should have looked it up...

Postby jeffysdad » Mon Nov 23, 2009 7:42 am

Target Visa is indeed issued by "Target National Bank" (see my previous post).
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

i_t_man
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Location: Tacoma

Postby i_t_man » Sun Jan 24, 2010 4:24 pm

ryans wrote:I have had the Amazon.com Chase Business Credit Card for about two months and it has absolutely been the worst card I have ever had in my life. They have frozen my credit card dozens of times.


I've had mine for about 2 weeks and the third time I tried to use it at the grocery store, it was declined. I called and asked why it was declined and the agent said it was flagged for fraud because it's a new card. She said it shouldn't happen again but I have my doubts.



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