topic Re: Accidentally paid Slate instead of Freedom...can I reverse? in Credit Cards

Accidentally paid Slate instead of Freedom...can I reverse?

Dw4250 — Tue, 16 Jun 2015 05:32:07 GMT

Ugh! So I just checked my balances and noticed I have a $600 credit on my Slate card. That $600 payment was meant to PIF my Freedom card. But when doing bill pay last weekend, I accidentally paid Slate instead (I already had a $0 balance on Slate).

Will Chase allow me to move that payment over to pay Freedom? Or will I be stuck with a $600 credit on a zero rewards Slate card?

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Anonymous — Tue, 16 Jun 2015 05:20:19 GMT

Call them and explain what happened. I did this with Capital One before and they were happy to transfer the misallocated payment.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Anonymous — Tue, 16 Jun 2015 05:23:31 GMT

I'm curious as to the answer, so please keep us posted, but I'd guess that calling the CSR is the way to go. Chances are decent that if you explain what happened, they can shift things around for you. Worst case, you balance transfer $600 of stuff from your freedom to your slate, as the slate has no BT fee.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

rlx01 — Tue, 16 Jun 2015 06:18:59 GMT

They won't let you keep a credit balance anyway, so that money is coming back as a check unless you spend it or (hopefully) apply the payment to the Freedom.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Anonymous — Tue, 16 Jun 2015 06:41:59 GMT

I bought some lights on my RH card and had to return one. Instead of putting the return on RH, they put it on my Amex that had a zero balance. I called them. They wanted to send me a check but I told them just to keep the balance that way as I would be charging on their card again. I think you'll be fine.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

SunriseEarth — Tue, 16 Jun 2015 11:28:31 GMT

@Anonymous wrote:
I'm curious as to the answer, so please keep us posted, but I'd guess that calling the CSR is the way to go. Chances are decent that if you explain what happened, they can shift things around for you. Worst case, you balance transfer $600 of stuff from your freedom to your slate, as the slate has no BT fee.

IIRC, you usually can't balance transfer for the same lender, so I'm not sure if that would be a possible solution. In any case, I think a CSR would be able to assist on this request.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

gilesjp1 — Tue, 16 Jun 2015 12:36:18 GMT

I have done the exact same thing with my CSP and Freedom. I called the CSR and they switched the payment over to the other card without blinking an eye.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

takeshi74 — Tue, 16 Jun 2015 12:39:30 GMT

It would be a lot faster to call and see versus posting here and waiting on reposnses that may or may not be valid.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Dw4250 — Tue, 16 Jun 2015 12:43:35 GMT

Thanks everyone. I will call Chase later this morning and report back the results.

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Dw4250 — Tue, 16 Jun 2015 13:16:40 GMT

OK just got off the phone with Chase CSR. They will change the payment from Slate to Freedom. The change should show up on my accounts in 24-48 hours. Very easy process (at least with Chase).

Re: Accidentally paid Slate instead of Freedom...can I reverse?

Anonymous — Tue, 16 Jun 2015 13:18:55 GMT

Good to know!