I sent Chase a secure message wanting to lower my credit limit by $500 so my new limit will be $6000. Instead the person lowers it to $500 which is useless to me now. I wanted it lowered because I wanted an even number.
“I want to lower it by $500 so my new limit will be $6000” becomes $500....someone doesn’t know math and you work at a bank.
They are telling me that to restore it they will have to run a credit report. This is all on them and all they do is say I apologize. I don’t see why something that’s an easy fix become so difficult. I’ve had the card 3.5 years and perfect payments history. Do I bug them enough to get it restored or run the credit report and then fight to take it off? My 3 reports are frozen and lifting them is an unnecessary security risk.
Definitely sounds like an error on their part, and if you did it via secure message you have a written record of your request which is a great thing and dramatically improves your chances of success.
At this point you need to bypass front-line CS and move up the ladder. I'd suggest checking out the back door numbers thread and find a number that gets you to the Chase EO. I would also write a letter to the EO right away (before you bother calling) because the letter is another written record and will likely prompt them to call you. While this may take some time and effort on your part in terms of jumping through hoops, I'm pretty confident in the end that you'll get your limit placed at $6k as you requested and without a HP.
Probably going to require a phone call to get this fixed. SM is kind of limited when it comes to complicated things like fixing their own mistake. At least you have it documented in SM as to what you asked for prior to the mess up.
What is EO? I also thought wording it (how my quote was) was worded clearly. I did it the same way as my Discover Card so I thought it was clear enough for others to understand.
I called them, spoke to a supervisor and said they’ll get back to me in 3-5 days. Investigating it.
Below is a link with the common abbreviations used around the forums:
MFers like ato abbreviate like MFers.
OP, I recommend emailing the EO directly. It’s easily accessible with a search. I recently had an issue. EO responded within 24hrs, with call the next day.