topic Re: Frustrated from Chase billpay cancelling/removing external credit cards in Credit Cards

Frustrated from Chase billpay cancelling/removing external credit cards

xenon3030 — Sun, 13 Apr 2025 17:11:59 GMT

The Chase billpay service looks excelent in theory, useing e-bill services to pay external credit cards quickly. But I recently got frustrated, since each of my payments go under review and after a few hours, either my account gets locked (requiring to call to unlock it), the transaction gets cancelled or the external account gets removed.

I tried 48h waiting before each event, but it does not let met to pay a $40 to my external account. I got heavily frustrated.

How can I fix the Chase billpay issue? Shall I remove the cards, wait for a week. Add them back, wait for a week, pay $10, wait for a week again to earn their trust?

Are there other banks that provide e-bill services to the external credit cards without hassle?

Re: Frustrated from Chase billpay cancelling/removing external credit cards

AndySoCal — Sun, 13 Apr 2025 21:11:54 GMT

@xenon3030 I have used on line bill pay with four different banks. I have not run into the problem you described. After logging in I click on Pay bills i set up my credit cards insurance payments etc by adding a biller. After that work is completed then I enter bill amount under for the credit card company I select the biller I want to pay enter the amount and the date I want it paid by. For example I have a credit card whose statements cuts on the 20th of the month. I will enter that amount on 25th and schedule that payment to be paid on 5th of the month. Banks start the billing payments upto a day maybe two before the payment date. If the date is greyed out in bill it means I can use that date. Under transfers I setup external accounts at credit union or bank or brokerage that may want to transfer money to for an example would a High Yield Savings Account.

Froom your description it sounds like you are trying make an ACH transfer to an extneral account which is for bill payment. Am I close to being correct?

Re: Frustrated from Chase billpay cancelling/removing external credit cards

Kforce — Sun, 13 Apr 2025 22:48:18 GMT

Apples and Oranges.

@AndySoCal , you use billpay to push payments, as I do.

Push what you want from your bank/CU to pay a place, or card.

You control the amount, when and know the funds are present.

See each bills, then pay if legit and correct.

( Shop with your daughter, see what see spends approve or not then use your card.)

@xenon3030 is talking about a service that has card or place send electronic bills to Chase and have Chase push funds from checking to pay them. Payments on auto from monthly bill's with out your interaction. Edison might have some large mistake bill, auto charge you account, before you find out. Or bad bill and not enough fund's, etc.

Automation one step past my comfort zone.

(Give your daughter your credit card for the day, hope you can pay it off)

Re: Frustrated from Chase billpay cancelling/removing external credit cards

AndySoCal — Sun, 13 Apr 2025 23:05:13 GMT

@Kforce I have ebill set up for Citi card amongst others. I am notified of the Ebill for Citi. I go to bill pay and enter the amount or sometimes the amount will auto populate select payment date and I am good. I have never seen the actual ebill outside of bill pay. I have never setup an auto pay in bill pay. I have my internet service and couple others on auto pay but that is to a credit card.

Re: Frustrated from Chase billpay cancelling/removing external credit cards

Kforce — Sun, 13 Apr 2025 23:28:43 GMT

@AndySoCal wrote:
@Kforce I have ebill set up for Citi card amongst others. I am notified of the Ebill for Citi. I go to bill pay and enter the amount or sometimes the amount will auto populate select payment date and I am good. I have never seen the actual ebill outside of bill pay. I have never setup an auto pay in bill pay. I have my internet service and couple others on auto pay but that is to a credit card.

Never used e-bill, if bill that is sent is able to be seen and amount paid need's approval, different than the picture I was painted.

I am against to much automation and trusting many players all on auto.

I like to log in to each card, check for fraud, get amount owed.

As a separate function pay all my cards, at one time from my CU billpay.

Three day's later log in each card account and make sure it happened as planed.

Re: Frustrated from Chase billpay cancelling/removing external credit cards

xenon3030 — Sun, 13 Apr 2025 23:43:55 GMT

I typically use the autopay methods from each credit card issuer website to pull money from one of my checking accounts. Among all the banks, only Citi wants to use Plaid to be able to pull money from my external checking account. So, I was counting on billpay to avoid using Plaid. The Chase billpay service seems to be not trustworthy and some payments go under review or get cancelled.

I tried US Bank bill pay as an alternative method, but they sent a physical check to Citi, took around 5 days to arrive using snail mail

It looks like it is possible to use debit card to pay for Citi credit cards over the phone. I am transferring some funds to my Discover checking to use its debit card to pay for my Citi credit cards to receive 1% CB (up to 3k per month).

Re: Frustrated from Chase billpay cancelling/removing external credit cards

Kforce — Sun, 13 Apr 2025 23:53:35 GMT

@xenon3030 wrote:
I typically use the autopay methods from each credit card issuer website to pull money from one of my checking accounts. Among all the banks, only Citi wants to use Plaid to be able to pull money from my external checking account. So, I was counting on billpay to avoid using Plaid. The Chase billpay service seems to be not trustworthy and some payments go under review or get cancelled.

I tried US Bank bill pay as an alternative method, but they sent a physical check to Citi, took around 5 days to arrive using snail mail

It looks like it is possible to use debit card to pay for Citi credit cards over the phone. I am transferring some funds to my Discover checking to use its debit card to pay for my Citi credit cards to receive 1% CB (up to 3k per month).

Have had issue with only two institutions that seem to not except ACH pushes from external bill-pay services.

US-Alliance and Logix Credit Union.

Just for info as a data point, no real answer for the problem.

Re: Frustrated from Chase billpay cancelling/removing external credit cards

AndySoCal — Mon, 14 Apr 2025 00:23:23 GMT

@xenon3030 Suggestion instead setting the auto pay from the Citi side. Set it up from the Chase side in bill pay set up reoccurring payments you provide the date when you want it paid by and you tell it how many days ahead of that date you want it to go out on.