Thread: Amazon.com Chase Visa Credit Card is the worst credit card

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.

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.

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.

Target Visa is indeed issued by "Target National Bank" (see my previous post).

Originally Posted by ryans

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.