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Can you cancel a chase card before activation and get back annual fee

ThriftySaver
Contributor

Can you cancel a chase card before activation and get back annual fee

I just applied for the Chase ink card which was the wrong card with the $95 annual fee, i wanted the one with no annual fee. is there a way i can still cancel the card before activation?

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3 REPLIES 3
M_Smart007
Epic Contributor

Re: Can you cancel a chase card before activation and get back annual fee


@ThriftySaver wrote:

I just applied for the Chase ink card which was the wrong card with the $95 annual fee, i wanted the one with no annual fee. is there a way i can still cancel the card before activation?


@ThriftySaver, I would not cancel the card, I would call Chase and tell them your honest mistake,

ask them nicely, is there any way to rectify the issue and get the card you actually wanted? .Just my 2 cents.

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CreditPacMan
Established Contributor

Re: Can you cancel a chase card before activation and get back annual fee

Pretty sure you can downgrade to the one with no AF. Call Chase and ask. 

 

Current Cards:
Message 3 of 4
mikeef
Valued Member

Re: Can you cancel a chase card before activation and get back annual fee


@ThriftySaver wrote:

I just applied for the Chase ink card which was the wrong card with the $95 annual fee, i wanted the one with no annual fee. is there a way i can still cancel the card before activation?


I have all 3 cards and made a similar mistake two years ago, but below I elaborate, are you sure you don't mean the Chase Ink Preferred because the Cash & Unlimited cards do not have any annual fees, only preferred?

 

Two years ago I had the Cash Ink card already, but in my account I saw the black star on offers and upon clicking on it I was shown I was pre-approved for the Preferred and Unlimited. The offer said to select one card and I made the mistake of choosing Preferred when I really wanted the Unlimited for 0% purchases for a year. 

 

After being approved I realized my mistake and called to request to switch cards. They told me that I could only switch to another after a year and would not get the new account perks like the bonus cash or 0% APR. However, they did tell me I was welcome to apply now for the Unlimited with the benefits, but they would have to fill a new applicaiton out and have credit pulled again, and it was no longer pre-approved in my Chase account after I did the Preferred application, so I decided just to keep the card.

 

Regardless, I don't understand this principle people have about NEVER having annual fees that are low like the $95 Preferred card. If you get the bonus cash, you made annual fee back for 10 years. As a business owner, it is about the bottomline; "do you profit or not profit", is what matters. My sister travels all the time and refused to get the World of Hyatt card over the $95 annual fee, but I ended up with 8 nights at different Hyatts in the first year with the bonus points. And the rooms I got the public was paying $200-$400 a night. Every year I get one night worth two to four times the annual fee depending where I use it.

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