Received my Chase Sapphire Preferred card a while back, and have been running up charges, well on my way to getting the "spend $3k in 3 months" reward or 40,000 points. And as I've charged, I've also been paying. Usually like to pay shortly after I charge something, so I can be done with it. Imagine my surprise then, when I went to make a payment and received a message from Chase that, I'd made a recent payment and had to choose a date that was 3 days beyond the most recent payment date. Why would they have a policy like that? If I want to make a payment daily, or whenever, why should they place a restriction on payments? I know, the obvious is to make money, but it just seems to be lousy customer service, and the only one of my many accounts that has this restriction. I did do a customer satisfaction survey with Chase, and expressed my displeasure about this, but no response received.
Citi has a maximum amount of payments one can make in a month (I think it's 3?). I'm not sure why. I wonder if it costs them money when we make online payments? Just curious, why would you want to make a payment within 3 days of your last payment anyway?
I'm also in the middle of trying to spend the $3k for the Sapphire. I have 2 more months to do so!
Starting Score: 648
Citi is dreadful. You can't make any payments that exceed your statement balance. So if your statement closed with $1 and your recent activity totals $500, you are unable to make a payment beyond $1. It simply doesn't allow it. You can call but that's a hassle, so I just overpay a bit via my checking acct's billpay feature a few days before statement close.
clocktick wrote:Citi has a maximum amount of payments one can make in a month (I think it's 3?). I'm not sure why. I wonder if it costs them money when we make online payments? Just curious, why would you want to make a payment within 3 days of your last payment anyway?
I'm also in the middle of trying to spend the $3k for the Sapphire. I have 2 more months to do so!
Mainly at the end of the billing/statement cycle, I'd like to make sure that I have a zero balance reporting on this card at this particular time. I'm using the Sapphire Preferred card as my primary right now, I normally rotate my cards around monthly, but I'm working on those points!
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