My favorite negative review was a complaint about Synchrony closing a card when the reviewer had "only two" 60-day lates.
I've had this card for over two years and have never seen Chase's fraud protection in action. I've had two declines, both of which were the result of merchant/terminal error. When I called Chase about the first one, their system saw no attempt to charge. In the second case, running the card again resulted in a successful transaction.
Based on my recollection of reports here, Chase's fraud protection isn't onerous — unlike Citi, which can occasionally be a bear.
If you look at the prime card the most recent review is from an "underwriter at another bank" who is livid about being charged interest on the entire statement balance rather than outstanding balance she forgot to pay off
lol I just looked up the review. To be fair, the interest thing is spelled out in the cardmember agreement. You would think an underwriter would at least read through that.
It's been a while since I checked, but I believe that clause only applies to the 0% APR promo period. I could be wrong on that. It seems very weird that someone could "forget" to pay off a $25 charge on a card they are currently using otherwise, since any new charges would be on the following statement.
My goodness i feel so honored! 3 CL's in one thread!
Since you all have lessened my concerns here are my full dp's id love to hear your thoughts
Fico's all between 790-810 from experian 3 on 7/1
Disco card 150/5000 2 years 11 months old
Amex BCP 700/2000 opened in May on 0% promo till 6/20 not reporting yet
Inflated AAoa is in the 8 year range due to AU account. Will need to apply for student loans this/next month for last year of college
Wasent thinking id go with chase till i had more income but it fits my other cards and spend pretty well
* edit for detail
Aside from the Discover card and AmEx currently not reported on CRs, do you have any other revolving tradelines where you are the primary accountholder? Any installment or student loan history? What about the AU account what's the CL on that?
As far as fraud detection instances, I've not had any issues with the Amazon Visa. Of course, as mentioned further upthread, these situations come up from time to time, but they're usually not a deal breaker IMO.
By all that is holy AJC😂😂😂 ive always found the best way to get uncleB or another mod to come running outside of the good ol report button though is to just post something wildly inappropriate! Mods love that! And i have miss Disco wrapped around my finger with 1k increases back to back so i have that up on you as well
And thanks gmood, im gonna think about apping seriously today. Hopefully i can post an approval in a day or two!