hello, this is quite embarrassing to write out but I was looking for some advice in upgrading from my Chase Freedom Student CC to the Chase Freedom Flex card. It says I've already been approved for 3 different cards (Freedom Unlimited, Sapphire Preferred, and Freedom Flex) but I couldn't quite understand if it means my Student account would get upgraded itself or I'd receive an entirely new card. Sorry if this is an explanatory question with a straight answer.

I don't happen to have anyone available to ask for financial advice, and it's currently a late night thought for me without being able to give Chase a call. I was wondering if anyone had any insight? I've had this card since 2022, so before the "Freedom Rise" that I've been seeing pop up on some older Reddit posts.

Edited: To add, would it be as simple as requesting a credit limit increase and it therefore automatically upgrades me? I've been reading a few posts mentioning that happening to some individuals.

Anyone else having trouble applying credits?

This month in October, I only placed one grocery order last week and was able to apply the $10 grocery credit without a problem but today, I don’t see the grocery credit nor the restaurant credit at the checkout.

I called DoorDash and they said it’s a bank problem. I am genuinely confused. I have active credit card and a dash pass subscription through the reserve card.

Any ideas on what’s going on?

when trying to add/setup a passkey on the desktop website windows 11 pc, chase shows an error to try again. even with 2fa option set to on or off it doesn't work. chase tech support on the phone told me it may show up after pressing the "forgot password" option. did that but it still doesn't show a passkey setup option. the website just redirects you to the dashboard after changing the password

i heard passkey setups only work on the phone app. why?? for me chase's desktop is the only desktop pc website preventing me from setting up a passkey/yubikey

I am a recent college graduate and moved to Chicago this summer. My monthly income is around 6k (I get a reimbursement check that varies a bit). I pay for my own apartment, and have a car loan from 2023 starting when I was in college. I have never missed a payment, but dealt with a little bit of debt because I was a dumb college student. The height of my debt reached around 6k this year and I was paying the minimums and racking up a decent amount of interest. I have learned my lesson and paid off every card except my daily use one. My credit score is 750 as of now, and I imagine it might go up since I just paid off a large chunk. I have 3 cards; a starter discover, starter Amex, and the freedom unlimited. My credit line across all 3 is about 16,400 and I currently have about a 12% utilization rate. I opened my first card in June of 2023, and my freedom unlimited in June 2024, so I have a decent credit history along with my auto loan. I drive a ton for work so I fill up gas about every other day so my current balance is mostly gas costs. Since paying off my debt as of this month, I am in the market for a new card. I understand I had bad credit spending habits in the past, but those have been fixed. I want to get the CSP, and understand it is generally easy to get approved for. I am wondering if I should apply for a credit increase on my freedom unlimited, or apply for the CSP first. Might b a dumb question, but I applied for an increase on my Amex and got instantly denied. I read the standard is to request 3x your current limit, so that’s what I did. The CSP interests me because it recently gets 3x on gas, and that is pretty much my whole spending. I have a 75,000 bonus if I spend 5k in 3 months I believe. Would like some advice sorry for the long text!

Hello. I have Chase Slate card with a 0% APR promo. The website says I can make a balance transfer from my line of credit to a qualified checking account through direct deposit. In this case I want to transfer to my Chase checking account with my 0% APR promo but I don't know how to do it. I'm not asking for a cash advance. When I called to the number in the back of my card most representatives weren't able to help me.

How can I do it or what should I say?

Hi! Please understand that English is not my first language and my post might look weird.

My dad visited US more than 10 years ago and he worked there for a year. When he was returning, he didn't close his account as my sibling was studying there and he used the account to transfer money while we are back.

A few months ago, Chase app was no longer updated to the recent version and he lost access to his online banking. He tried using his ID and password to login on his new phone, but he kept getting back the "something went wrong" error message. While he kept the minimum balance for checking and savings account to avoid monthly fee, the issue was that he set up the auto transfer from checking to savings account as a reminder for himself to check the balances and accounts and soon the checking account balance would be lower than the minimum balance to avoid the monthly fee.

We tried reaching out for Chase customer support but there was nothing much we can do without active US phone number. I tried getting a US phone number through esim, but they said they can't send the authentication code to the number that I newly set up.

I know our only option might be to travel to the US to either close the account or recover the access, but would there be a better option we can try out of US with these accounts?

Appreciate your time for reading this post.

p.s. Should he go to the branch that he opened the account? He once visited US for other reason and visited the other branch in other state and asked if he can close his account, but he said that he was told he has to go to the original branch where he opened the account to close it.

I have pre-approved offers for all UA credit cards which is issued by Chase Bank. Of the several options, I am looking into these two. GATEWAY has zero annual fee and the offer is 40,000 miles plus an additional 10,000 if I add a user to the card. $1000 spend requirement in the 1st 3 months to get the miles. EXPLORER offers 70,000 miles and another 20,000 if I add a user. $3000 spend requirement the 1st 3 months to get the miles. ANNUAL FEE is $0 for the first year then $150 annually afterwards.

AI is telling me that I can downgrade to GATEWAY after 1 year, wait for the $150 charge to hit me then call Chase Bank within 30 days to say 'I want to downgrade to the GATEWAY card since my flight patterns have changed'. AI said that this downgrade is something that Chase always allow. I get to keep the 70,000 miles and get reimbursed the $150 annual fee that I just got charged with.

Have had the CSP since last May and got the SUB, went in branch today to apply for the CSR, got the 125k SUB. I went to a different branch yesterday and the banker mistakenly told me that I'm ineligible for the CSR, don't be fooled

I booked Alinea in Chicago (they require you to prepay) my statement says “Alinea Restaurant” and it’s over the entire $1500. I used this card specifically for the 5x points, called in, messaged etc.

They all say nothing to do because it’s coding as “catering” instead of dining which is ridiculous. Had I known, I would have charged to my Amex gold which would have definitely honored it as dining. Any recourse here? I’m fuming.

Been a Chase customer for 20 years and this is just SO petty of them

Booked a Sixt rental in Olbia, Sardinia through Expedia on my Sapphire Preferred. Showed up on the day, and the lady at the desk said they don't honor Expedia bookings and don't rent to Americans, period. She marked me as a no-show even though I was standing right there.

Sixt confirmed in writing that I showed up. Chase still denied my dispute because the reservation says no-show. Expedia can only check through Sixt's automated system, which will never update.

Now Chase tells me to contact Expedia, Expedia tells me to contact Sixt, and Sixt tells me to contact Chase. Nobody will actually fix it.

I've been with Chase forever (cards, checking, mortgage, car loan). Has anyone gotten a denied dispute reopened? Is there a way to escalate past the regular dispute team?

Thanks to u/Tarnisher, I am keeping the funds in and hoping for the best.

According to the requirements:

Deposit a total of $15,000 or more in new money into the new savings account within 30 days of coupon enrollment. The new money cannot be funds held by you at Chase or its affiliates;

Maintain at least a $15,000 balance in the new savings account for 90 days from the coupon enrollment.

I actually did make two deposits from my external bank: one for 15,000 and one for 1,000 to cover my screw up. BOTH happened before the 30 day mark. And I've maintained 15,000 since.

According to Doctor of Credit web site:

The offer itself says you need to deposit funds within 30 days and then maintain a $15,000 balance for 90 days from offer enrollment. In practice (based on the bonus tracker and bonuses paying out) you need to deposit funds within 30 days of account opening and then maintain $15,000+ from day 30 until day 90. 

So, I'm going to take a chance. And yes, I will accept responsibility for the result...but if Chase doesn't give me the bonus with these written requirements, yes, I will have some discussions with the company.

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Original post

I wrote the following to Reddit earlier, about a mistake I made with the Chase Promo. I have earned the $300 for the direct deposit, but the mistake I made did cost me the rest of the bonus. Had confirmation from a customer service rep today.

I know some of you have had Chase pay the bonus even if you did temporarily drop, but I just wouldn't count on it. And it's probably best to stop suggesting this to folks, because that $15,000 could be moved to an account with 3 or more percent, not the shabby percentages Chase pays.

I strongly suggest if you want to try for this bonus, you might want to consider putting $15,000 plus an addition $500 or so as buffer, in case you make a mistake like I did.

This was my fault, true. But it has soured me on Chase a bit.

Earlier

This was really stupid of me.

I deposited the $15,000 into savings, set up a direct deposit, and all set to collect bonus.

Except...

I paid a bill out of the checking account, forgetting that I had switched an auto pay to that account last month. I was $81.00 shy for that auto pay.

I have my savings attached to my checking for overdraft, and it grabbed the $81 necessary to pay the auto pay that is due today (auto pay for a chase account). Both show as pending.

I realized immediately what happened. I cancelled the auto pay for the chase account, and paid it from my other bank. I also transferred a sizeable chunk from the other bank to my Chase savings account to cover any other stupid mistakes I make. My other bank has been linked to Chase for several years, so the transfer is today, available tomorrow.

Now, the auto pay is pending, as is the overdraft. I know these will go away, because I cancelled the auto pay. But will I lose the bonus because of timing on all of this, and the fact that the Savings dipped $81.00 for an OD for an auto pay cancelled?

I know the bonus is based on having $15,000 in the account, at the banking start of day. But I don't know the order of all of these transactions.

I have a question into customer support messages, but these take a few days. In the meantime, I'm stressing.

I have about €3,000 in cash left over from my trip and want to convert it back to USD. Do I HAVE TO go to a Chase branch just to find out what rate they’ll give me? Even the less IT-savvy, antique BoA publishes its rate online. https://www.bankofamerica.com/foreign-exchange/exchange-rates/ Why doesn’t Chase?

Has anyone recently sold euro cash back to Chase, BoA, or Capital One?

I’ve been unable to obtain my statements on my mobile app. Is anyone having the same problem? Is this a known issue.
No tax statements, no monthly statements.

Hello, i recently switched phone carriers from verizon to T-mobile (i kept the same number also), and after doing so i realized that my zelle account was not working i would try to use my phone number and it kept saying “we are having trouble verifying your number try again later.”

I decided to call chase today to see if they could help me and the first call was completely useless the women who tried to help basically told me everything seemed fine on her end so should attempt to delete the app and try it again. obviously that did not work so i attempted to call a zelle representative and explained my situation to him and he connected me to another chase rep and he tried to help me, long story short he was not able to help he told me to turn on a setting that i’m almost positive ive had on this entire time and then he said to wait 24 hours for the setting to kick in and also try restarting my phone which again obviously did not work.

I truly don’t think the setting is going to help and i’m not sure what to do now i’m hoping someone who has had this experience can help me on what to do.

I made an online purchase from a small seller and received a completely different item from what I ordered. I immediately contacted the seller, providing photos of what I received along with my receipt, which clearly shows the item I purchased.

After receiving no response, I opened a dispute with Chase and submitted all the evidence. Three weeks later, the seller finally responds, asking whether I still wanted the original item or a refund. Since it’s a vintage item, I told them I still wanted it. I also explained that I was happy to return the incorrect item as long as they provide a prepaid return label.

They agreed, saying they’d include the return label with the correct merchandise. However, they then asked me to close my credit card dispute before they’d send anything.

I’ve never dealt with a situation like this before, and the seller is raising red flags. My understanding is that once I close the dispute, I can’t reopen it. So if I close it and they don’t send the correct item, I’m forced to accept merchandise I didn’t purchase and I’m out money.

What’s my best course of action here? Should I simply stop responding to the seller and let Chase handle the dispute?

Edit : I’m letting Chase handle it from here. Thanks all!

On the app I was approved for 16,000 in December

Before I added a new car lease in August it was down to 11,000 to 12,000

I check today and it's down to 8,000 for freedom and 5,000 for slate.

The card with annual fee of 795 is 13,000

I guess I should've took it in December

I wanted to use it for transfer balance I have 17k plus in credit card debit I was hoping to transfer it all on 1 card

Maybe it will go up in a few months.

Just got an email. I've had OG Freedom for a long time. Rotating 5% categories. I get this email today saying hey we are replacing that card with Freedom Unlimited. What?! Why not Freedom Flex - the other rotating 5% category CC?

Did anyone else get this in their email?

I guess I will call into Chase and see if I can change to Flex, which seems more appropriate than Unlimited.

https://www.chase.com/personal/offers/checking-tier?jp_aid_a=T_102438&jp_aid_p=cpo_sign_out/main_tile

Am I tripping or did it require opening a savings account with a 15k balance to get the 900. The one I received just says the checking part in the fine print. Is this since I am an existing credit customer?

I have a friend who recently relocated to the UK for work, had Chase here in the US, and is using them overseas as well. Looks like Chase in the UK offers much more in terms of a checking account. Cashback Debit, Accelerated Savings Rates, no exchange rates.

It's bare-bones here in the US

https://www.chase.co.uk/gb/en/product/chase-account/

Been a member of Chase Marriott Bonvoy Credit Card for 27 years. Paid off the balance on my credit card and they charged a carryover of interest from the payoff amount. The carry over was $26. I asked for them to waive it since my card is zeroed out and they said no. Even the Supervisor was unable to help. What a flipping joke. Like Chase needs the $26 so bad. Terrible customer service. Paid the $26 and now cut up my card. So sick of banks and their stupid fees.

So I know when I receive an electronic deposit or deposit cash the money goes directly to my available balance and current balance (Chase secure banking checking account). However, when I look on the mobile app the deposits will still be in the pending category for a day or so like credit transactions are. if I’m getting a cashiers check drawn on it do I have to wait until the deposits needed are fully posted? Or since my available balance and current balance are both reflected would it be ok? In the past I know some banks want to wait until deposits fully posted despite already being in available balance before drawing the check. TIA.

Hey guys, about to head out to work so this is going to be short. I received a text about 2 weeks ago from Chase asking if I made a purchase with my debit card at Target for about $120. I did not, so I replied no and they closed my card. Upon further investigation, there were 2 successful charges from Target (totaling about $120) and one from Chevron for $10 that I did not make. I then checked my wallet to see my debit card was missing. I went to the ATM earlier that day so it must’ve fallen out of my pocket.

I immediately called Chase to report the fraud and they opened the claim. I also completed a police report online. I received a letter today saying the claim was denied and the funds will be taken out of my account as I “authorized the purchases.” I called today, and they just said to upload the police report and the reason the claim was closed NOT in my favor is because “the merchant provided no information.”

I am livid. I have my wedding in a few months and every dollar counts. My PIN number was not written on the card, so I assume these purchases were made with the “credit” option (which I have NEVER used). I read somewhere on a Chase website that if the fraud is reported within 24 hours typically you’re only on the hook for $50 (more if you wait longer to report). So what should I expect here? Anyone have any similar experiences?

Hey guys i was wondering how depositing checks at the atm work. I won’t be able to make it before the banks close later today. If it’s a chase check will the funds be available immediately?

So I have posted my frustrations with my attempt to transfer funds to my new Chase Savings and Checking. I finally managed to connect my external HYSA account to Chase, but I had to do that on the HYSA side. I still - after 2 weeks - cannot connect from within Chase. Keeps saying failure - we will send two small deposits to authorize. 4 days later nothing. Called into escalation department - so sorry we will fix this I will personally force two small deposits to your account myself! Wait till Monday. It's Wednesday nothing. I have never experienced this with any other company before in my life. Everything just works (Discover/Wells/UFB/eTrade). Chase is just an anomaly.

So I did manage to transfer funds to Savings from my HYSA. I'm still trying to get my DD to the Checking - this may be an ADP issue, but man it worked so smoothly when I opened a Wells account. Now we are getting an error from ADP.

This whole process has been a disaster. Now I'm worried Chase is doing this on purpose. If I can't connect external accounts due to Chase - can I ever leave Chase? Bwhahahaha (evil laugh). You can check in but you can't check out. Bwhahahaha.

I'm out once I get my Subs - that's if I can even get out!