topic Re: Chase Blocked My Sapphire Preferred, Help in Credit Cards

Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 00:29:34 GMT

Hey guys, I just got this card 2 weeks ago. I've been using it trying to get the signup bonus. I racked up $2,200 out of my $5,000 limit.

Anyway, I tried making a purchase today and it did not go through. I called chase, got redirected to fraud, and then redirected to a fraud supervisor.

Kept asking me if I applied for it, how I applied for it and if I'm the card holder. I went through some security questions then the lady told me to wait for 24-48 hours because the account is under review. Someone will be calling me within that timeframe.

I'm worried they're going to take my card back.

Please help or make me understand whats going on, I've never gone through this with any credit or debit card.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 00:34:52 GMT

How quickly did you rack up the $2200?

Re: Chase Blocked My Sapphire Preferred, Help

FinStar — Wed, 07 Feb 2018 00:36:36 GMT

You'll just have to wait until they finalize the risk review process. Nothing you can do to speed it up or know what it entails.

Have you opened several accounts or do you have lots of inquiries within the last 6 months?

What did your recent purchases on the card consist of? Durable goods, dining, travel or anything questionable or out of pattern?

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 00:36:59 GMT

Chase has been known to (check) your spending habbits. Sounds like you went on a shopping spree and chase is just concerned that you (might) not pay it back.
The best thing you couldve done was pay every week until you hit the rewards.
They want you ro use it but they want you to pay for what you buy with it
When the rep calls you back tell them you want to make a payment at atleast 500 but id pay 1000.
Also looking at the news more people are getting into debt just like 05 to 09 so i think banks will be looking closer at early heavy spending.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 00:49:18 GMT

It's in about a weeks time.

It's some strange spending but nothing too out of the ordinary. Grocery stores, bills, The only strange stuff is for my work. I ordered some industrial parts for a machine, and also paid for some repairs on our machinery with it so I could get the bonus, Boss said it's okay and already paid me back for it, was actually planning on paying today or tomorrow.

2 INQ in 6 months

I have the money to pay chase back. Whats the chances Chase cancels me? I'm getting really depressed thinking about it.

Re: Chase Blocked My Sapphire Preferred, Help

bourgogne — Wed, 07 Feb 2018 01:02:46 GMT

do not contact them futher, pay off the entire balance right now and i mean right now - via the portal not a push from checking. wait 10 days and call the # on the back of your card to see if the issue has cleared. your rapid spend spooked them but you can get out of this, just pay off all your chase products to zero stat.

Re: Chase Blocked My Sapphire Preferred, Help

NRB525 — Wed, 07 Feb 2018 01:11:50 GMT

Sorry to hear this, AA is always frustrating.
How much of your spend is this strange stuff? How are the vendors set up? Is there any possibility the company / person you paid could be construed as related to you? Does the vendor use Square or Pay Pal?

I kind of doubt the size of the charges is the issue. I think it is more likely some profile aspect of the vendor.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 01:33:20 GMT

Business is related to my workplace but that’s it no blood relatives working there. It’s possible they use square but not PayPal.

One charge is for 400 one is for 1300 but I contacted chase on both of them telling them I’m making large purchases.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 01:34:32 GMT

And also I can’t pay right now. Chase is closed and I never set up my checking account. So it would have to be cash tomorrow morning.

Re: Chase Blocked My Sapphire Preferred, Help

bourgogne — Wed, 07 Feb 2018 01:37:45 GMT

wrote:
And also I can’t pay right now. Chase is closed and I never set up my checking account. So it would have to be cash tomorrow morning.

huh, you have until 11:59 to have it post today. log into the portal, setup your checking and pay them off. you want to decrease your risk to zero to them and this is the way to do it. forget the stories, you will never know what happened and it does not matter, what does matter is giving them all their money back right away.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 01:41:32 GMT

wrote:
And also I can’t pay right now. Chase is closed and I never set up my checking account. So it would have to be cash tomorrow morning.

I'm not understanding this. You don't have an open checking account with money in it so you can pay the balance online?

I find it hard to believe you carry a couple thousand dollars around everywhere.

Re: Chase Blocked My Sapphire Preferred, Help

Shadowfactor — Wed, 07 Feb 2018 01:51:29 GMT

You can make a payment to your credit card from a saving account. You should just be able to do a transfer once logged into chase. Savings to credit card.

But even if you can’t do a transfer. You can still do bill pay through the chase portal or over the automated system. You just need the routing and account numbers.

Note: you are only allowed 6 transfers per cycle on savings account without incurring a penalty fee.

I would pay the card down as much as you can, as quickly as you can to prove it was you and that you have every intention to pay the account.

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 01:57:45 GMT

wrote:
You can make a payment to your credit card from a saving account. You should just be able to do a transfer once logged into chase. Savings to credit card.

But even if you can’t do a transfer. You can still do bill pay through the chase portal or over the automated system. You just need the routing and account numbers.

Note: you are only allowed 6 transfers per cycle on savings account without incurring a penalty fee.

I would pay the card down as much as you can, as quickly as you can to prove it was you and that you have every intention to pay the account.

I interpreted the OP's response as they have no other checking accounts other than a Chase one.

All of the Chase branches here have ATM vestibules where you can push cash in the ATM and it's available immediately, or a drive through, but ATM vestibules are easier for large wads of cash. I'm sure the OP has the same technology where they live as they do here.

If the OP doesn't have a Chase branch near them, the next step is using Zelle, which transfers money instantly from certain banks to Chase.

If not, the next step is they write themselves a check and deposit it with their smartphone, which typically the funds are available the next business day.

Re: Chase Blocked My Sapphire Preferred, Help

Shadowfactor — Wed, 07 Feb 2018 02:05:11 GMT

I wasn’t sure what to make of the response.

He mentioned chase was closed, so unless he planned on going into chase to pay the card. I was making a guess he might have checking/savings products through chase.

Which is what led to the second part. If he doesn’t have any chase banking products and doesn’t have an open active checking account. Maybe they had a savings account, which the bill can be paid out of.

And to add to it.
Just because an credit card doesn’t have a linked payment account setup. You are able to go to chase.com on any computer( not mobile device) and setup a payment account online. You just need the numbers.

Never had a Restricted chase credit card. So maybe you aren’t able to make a payment or add a new payment account if the card has been restricted ?

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 02:08:25 GMT

My chase account only has a sub $100 balance in it. My boss gave me a check and I deposited it to my other bank but the funds will not show up till tomorrow.

I’ve never set up the online account with chase yet. I had some issues with it and chalked it up to fix it when I’m ready to pay. I tried setting it up and I’m getting the same issue, I don’t want to call chase anymore.

I primarily bank with another bank as well. The best case scenario is making a payment at 9am when the branch opens.

Would it be smart to talk with Someone and telling them I’m paying my balance tomorrow morning?

Re: Chase Blocked My Sapphire Preferred, Help

bourgogne — Wed, 07 Feb 2018 02:12:00 GMT

wrote:
My chase account only has a sub $100 balance in it. My boss gave me a check and I deposited it to my other bank but the funds will not show up till tomorrow.

I’ve never set up the online account with chase yet. I had some issues with it and chalked it up to fix it when I’m ready to pay. I tried setting it up and I’m getting the same issue, I don’t want to call chase anymore.

I primarily bank with another bank as well. The best case scenario is making a payment at 9am when the branch opens.

Would it be smart to talk with Someone and telling them I’m paying my balance tomorrow morning?

this is more about action than talk. if you have the $ in another checking account and the portal has issues call the # on the back of the card, give them the router and # and have them pull the $ out. now. it comes down to how bad you want to keep that nice metal like card

Re: Chase Blocked My Sapphire Preferred, Help

UpperNwGuy — Wed, 07 Feb 2018 02:15:01 GMT

My advice would be to pay the Chase credit card with the funds from your current (non-Chase) checking account tomorrow. I don't think it would be wise to walk into a Chase branch and count out $100 bills in front of a teller. That, too, looks suspicious.

Re: Chase Blocked My Sapphire Preferred, Help

bourgogne — Wed, 07 Feb 2018 02:25:01 GMT

wrote:
My advice would be to pay the Chase credit card with the funds from your current (non-Chase) checking account tomorrow. I don't think it would be wise to walk into a Chase branch and count out $100 bills in front of a teller. That, too, looks suspicious.

I had this happen with not one but 2 people I stacked up with chase cards last year. both the same senerio. I now know that women and men spending patterns can differ lol. they both had the same lineup; csp/fu approved one month, 3 cuts and then an cip/freedom next with a biz checking. both women made the spends on the csp and inks in <1 month. both totally shut down. one had a pay account with funds ready to go from city national, the other I added a first republic account to and paid everything off on the spot. waited 10 days, called the # and everything was fully activated for both women. I am a big believer in taking action as asap and taking risk out of the equasion but options will vary. that aside there is zero reason not to pay this off right now

Re: Chase Blocked My Sapphire Preferred, Help

Anonymous — Wed, 07 Feb 2018 02:46:23 GMT

Just called chase they won’t even give me a balance so I can pay it off. Just said to wait 24-48 hours.

Re: Chase Blocked My Sapphire Preferred, Help

bourgogne — Wed, 07 Feb 2018 02:56:20 GMT

wrote:
Just called chase they won’t even give me a balance so I can pay it off. Just said to wait 24-48 hours.

this seems like the twilight zone. pay more than what you think you owe, who cares. are you saying they would not take a payment from you and you cannot pay from the portal by adding an external checking account? call them, say you want to make a $3K payment, route and account # and be done with it. forget stories.