Quarterly Rewards Problem From Chase Itself!

**qgeorge** · Sep 10, 10, 7:10 am

Self explanatory in the picture below.
Chase decides to not give quarterly promotions when the quarterly promotion amount gets bigger...

**jeffysdad** · Sep 11, 10, 5:19 am

I have a Chase Freedom card and have not experienced my problem.

First, it's my understanding that the reward in the rotating spending categories (the 5%) is awarded at the end of the quarter, not every month. Second, in your example you are multiplying the 2 and 5% rewards. You will get the extra 2% in your top 3 categories and then 5% of THE AMOUNT SPENT in the rotating categories. At least that's how I understand it.

**Mogul of Pineapples** · Sep 14, 10, 11:32 am

How long have you had the Freedom? Older cardholders may have different programs. The current program for recent signups gives 5% categories and they are capped.

My guess would be the issue is what jeffysdad says. Why not give them a call and ask?

**Generallisimo** · Sep 15, 10, 1:41 am

I found the same issue! After being persistent and receiving a bs response the first time around, I got the following quoted information. Take note of the 125% total BS cap on rewards of $60 (conveniently not found anywhere on their promotion). Also, I just noticed this, but I assume the 4% is a type-o.

It is my pleasure to assist you with your account inquiry
today.

Rewards post to accounts once a month after the accounts
cycle and the monthly statements are generated. Please be
assured the account will receive an additional 4% in bonus
rewards for the purchases that posted to the account with
merchant category codes for Gas, Airlines, Auto Rentals,
Hotels and Motels that posted to the account during July
2010 on the September 2010 statement. I regret any
inconvenience this may cause.

Please remember that there is a cap of $60 in bonus
rewards that can be earned for the July 1, 2010 through
September 30, 2010 Spend and Get offer.

If you have any further questions, please reply using the
Secure Message Center.

Thank you,

Dawn Stuhr
E-mail Customer Service Representative

It's all the small crap like this here and there that just coldly tries to completely maximize it's profit while assuming I am stupid, lazy and cannot do the math that has made me just absolutely hate them and I am letting the card sit on ice with no balance and no purchases for 6 months to see if they're willing to re-negotiate my APR again with me, otherwise, buh-bye.

**Mogul of Pineapples** · Sep 20, 10, 9:15 pm

I think what the 4% meant was in addition to the standard 1%. I don't think it's a typo I recall them wording it that way before when I called with a question about it a while back.

The $60 cap is disclosed but in different wording. The 5% during the quarter is capped at the first $1,500 spent in those categories. The extra 4% x $1500 = $60

The caps were recently implemented though so I would be pissed to.

**jeffysdad** · Sep 21, 10, 12:03 pm

I talked to Chase today and asked them. You get the "rotating category" reward posted to your account about eight weeks after the quarter in which the reward was earned. They really make you wait for it.

It doesn't surprise me that they have a cap on the reward. They wouldn't leave their liability open-ended. The Chase caps seem more generous than the ones that Discover imposes, which I understand were lowered last year some time (?). The Discover card hardly seems worth it to me as in some instances you can only earn $20 in a particular bonus category such as restaurants.

MoP, I also asked about the upgrade of the 3% in top 3 spending categories to top 6 categories. They didn't know what I was talking about so it sounds like that bit the dust.

BTW, I got a native English speaker in what I assume as a U.S. call center when I called. This isn't always the case when I've called Chase.

**MoneyNeverSleeps** · Sep 26, 10, 6:07 pm

I have had no such problems with the Freedom. Use a card that gives 2% once the rewards limit is maxed out each quarter.

**Mogul of Pineapples** · Sep 30, 10, 8:06 pm

MoP, I also asked about the upgrade of the 3% in top 3 spending categories to top 6 categories. They didn't know what I was talking about so it sounds like that bit the dust.

BTW, I got a native English speaker in what I assume as a U.S. call center when I called. This isn't always the case when I've called Chase.

That's too bad. Don't go out of your way to do this, but next time you happen to be on the phone with them I would ask again. 95% unlikely it's available but if the rep was not even aware it existed then that makes me question how "in the know" he was.

I think Chase is stepping up the level of American CSRs for the Freedom because all the complaints about the outsourced reps were weighing down the card's reputation. Now I recall from another thread you mentioned having the Sapphire. I hope that one always has American CSRs?

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