Chase CC Payment Return...what's next ??

[youngman1234]

Hello,

All the worst thing possible for me happened today...I checked my credit account and my recent payment was returned. I have a practice of going to the branch and making a payment in person, my card was due on the 4th and since the holiday came the bank was closed. I am legally blind and hate making payments online, for this reason. I have entered one digit wrong for the bank account number when making the payment. And for this reason the payment was returned to the bank. This payment happened on my chase ink account with a 5k limit( account is only 3 months old) I also have a slate that I got back in nov and never had a problem with that. I have a history of making payments directly at the branch. My question is do you think there will be adverse action taken on my account ?? Or a cl decrease ?? Or a problem later when asking for an increase on the account ( I was going to ask for an increase at the 6 month mark) ... Im really worried as this is the first time something like this has happened to me...

[Anonymous]

Chase CS is pretty good. I'd just call them and pay by phone.

[youngman1234]

I had originally made the payment on the 4th for the the statement balance of 4988.00, but called in 1 hour ago and just make a payment again for 5,000.

[webhopper]

This happened to me on my Chase Amazon account, their computer system closed the account.  I called Customer Service to see why they closed the account, it was because of this returned payment.  I was able to talk to customer service and explain that I was one digit wrong on entering the payment account info.  They re-opened the account with no issues or further adverse action.

[youngman1234]

Do you really think they will close my account ??

[Anonymous]

Call them ASAP and explain the situation.

[webhopper]

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@youngman1234 wrote:
Do you really think they will close my account ??

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Their computer may flag your account for review.   I don't know if it will happen to you, but it did happen to me.    I agree with FrugalRican, you should call them as soon as possible

[Anonymous]

Call chase executive offices. They are nice and explain situation.

[youngman1234]

I called them 3 times already today...

8 am to see what happened. ( made a payment for 5k)

10am to make sure everything was ok and account was notated that payment was made on due date but one digit was off on the account number

12pm was told payment will take 2 days to post to account. Will show up on next statement, account will report balance of 7.5k on a 5k limit this statement, since it ends today. They took off the late charge, and if any interest that may be put on. I asked if intro apr will be lost, they said maybe....

I honestly don't care about that since I PIF, I just don't want to get a CLD I will really be disappointed for this. I'm so mad at myself already for this stupid mistake. And did I just kill my chance of ever getting a CLI on my personal & business cards...

I had my slate for over 8 months now and was going to call the exec office at the end of the month to ask for an increase..do u think this will affect that ??

[Anonymous]

I think you should wait until you've had these accounts for one (1) full year before you ask for a credit limit increase and, especially now with this snafu.  I think you need to let the dust settle before you ask for anything further.