Great information so with Chase a secure message is a good way to go about it. With Citi would it be best to try the back door route? And just thinking down the road here, what about bank of America?
Keep in mind, the key word is elegibility. If the account is not elegible for PC/Upgrade, then you may need to wait longer. For Chase, you can try submitting SM or contacting their standard C/S #. For Citi, you can request for an account manager once you reach a CSR. For BOA, you can simply contact a standard CSR and they can review the account.