Chase won't send BT Checks because of Card Act?

[Anonymous]

So I just got approved for both Slate and Simplicity last week and they've both arrived.  Slate actually got here on Saturday (or maybe Friday) and has the better BT option of the two ($0 fee and 0% for 15 months) so I'd like to take full advantage of it - but they're refusing to send me BT (or they call them access) checks.  I've been discussing the issue with them through the secured messaging center and have been told that it's because of the Card Act.

"Please be assured that the access checks not being 
available is not based on your creditworthiness, but is to
address the requirements of the new Credit Card 
Accountability, Responsibility and Disclosure Act, also 
called CARD Act 2009. That law required us to change some 
of our practices."

I haven't been able to find anything that would back this up in my brief googling, but today my Simplicity arrived - and it included checks!  So aside from the $0 fee that Slate offers - I can't see why Citi can include BT checks from the get go but Chase can't.

Anyone have any insight into the use of the Card Act as their reasoning or any idea who I can speak to at Chase that can send them to me?

[mxp114]

Chase bots hide behind the CARD Act for everything, even requesting lower APR...

I see that your account was opened after May 2009 and
no changes made to the APR after account opening.  Hence,
your account is not covered by the automatic process
required by the Credit Card Accountability,
Responsibility, and Disclosure (CARD) Act of 2009.

I didn't even bother replying. 

[Anonymous]

I'd call them up and ask for the specifics behind this. I get BT checks in the mail from Citi and Discover all the time. I don't use them, but they keep sending them to me. Surely the CARD Act 2009 applies to them, too, so I'd love to hear Chase's reason.

[Odiseous]

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@Anonymous wrote:

So I just got approved for both Slate and Simplicity last week and they've both arrived.  Slate actually got here on Saturday (or maybe Friday) and has the better BT option of the two ($0 fee and 0% for 15 months) so I'd like to take full advantage of it - but they're refusing to send me BT (or they call them access) checks.  I've been discussing the issue with them through the secured messaging center and have been told that it's because of the Card Act.

"Please be assured that the access checks not being 
available is not based on your creditworthiness, but is to
address the requirements of the new Credit Card 
Accountability, Responsibility and Disclosure Act, also 
called CARD Act 2009. That law required us to change some 
of our practices."

I haven't been able to find anything that would back this up in my brief googling, but today my Simplicity arrived - and it included checks!  So aside from the $0 fee that Slate offers - I can't see why Citi can include BT checks from the get go but Chase can't.

Anyone have any insight into the use of the Card Act as their reasoning or any idea who I can speak to at Chase that can send them to me?

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Sounds odd. I'm pretty sure that I have received BT checks from Chase within the last 6 months. Or maybe that was Cap 1. I know I get them from BofA fairly regularly.

They all go straight to the shredder.

[Anonymous]

I have some BT checks on my desk from Chase for my SW card - so I know that they offer them, I just don't know why they won't send them for this new account.  I thought maybe the CARD act might say something specifically about new accounts, but then my Simplicity card arrived with 2 checks right in the welcome packet, so that can't be it lol

[b_seeker]

I read on another site that Chase won't send BT checks for the first 90 days. . .Which doesn't really make sense to me since it erases 3 months of the Slate's biggest benefit and pretty much the only reason to even get the card (IMO).

[Anonymous]

That must be what it is then... They wait 90 days to wipe out the 60 day no BT Fee benefit of the Slate card and then hide behind the CARD act assuming no one will question it.

I wonder if calling any of the back door numbers would help, because that's really the only reason I got the Slate - well that and the fact that I can transfer the line to my SW card later lol

[LS2982]

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@Anonymous wrote:

That must be what it is then... They wait 90 days to wipe out the 60 day no BT Fee benefit of the Slate card and then hide behind the CARD act assuming no one will question it.

I wonder if calling any of the back door numbers would help, because that's really the only reason I got the Slate - well that and the fact that I can transfer the line to my SW card later lol

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I would call the executive office. Good luck!!! 

[enharu]

Just curious, is there a reason why you need a physical check, as opposed to filling in the info online for a BT?