Transfer Freedom CL to CSP?

[Anonymous]

I don't think its as much of a risk issue at all. I think its more of an IT / administrative issue.

They can't remove a pending charge that has already been authorized, just in case if the merchant does decide to charge it.

Even closed card with existing balances will still reflect the CL and balance, whereas in this situation if chase were to allow it, it will be $1 owed with $0 CL.

They probably can't override the system to do that, and this rule is in place to also prevent CSRs / analysts from bugging the system out unnecessarily / unintentionally.

[Anonymous]

No, it would be $1 owed with $1000 CL.  (And in fact there is a credit balance anyway).  I agree it maybe a system limitation, but that is squarely Chase's responsibility.

[youngandcreditwrthy]

Ugh. Im so impatient lol. I just returned about $100 worth of stuff, and that didn't affect the avail credit at all hahahha. Stupid $4,999 -.-. I swore there was another number I could call.

[Kenny]

Very odd, why did you have to keep 1k on the card? The rep I spoke with let me keep only 500 on my Amazon card when I moved it to my Slate......?

[youngandcreditwrthy]

Idk? Maybe I should call them back. I don't really like my Freedom all that much any more. It actually even says in red on my online thing "-$$.$$" as the balance.

[lg8302ch]

That would indeed be a funny credit line....wonder what other lenders at manual review would think of a 9999$ CL ?

[09Lexie]

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@youngandcreditwrthy wrote:
Idk? Maybe I should call them back. I don't really like my Freedom all that much any more. It actually even says in red on my online thing "-$$.$$" as the balance.

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Returns or credits can take up to 72 hours to post.  What's the rush? I feel like I missed something 

[youngandcreditwrthy]

There is no rush. I called a diff number and got them to do it. Was a piece of cake. Just goes to show that the basic CSRs don't know much.

[Anonymous]

It may take a little longer as well since banks' systems do not refresh during weekends and on public holidays.

[09Lexie]

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@youngandcreditwrthy wrote:
There is no rush. I called a diff number and got them to do it. Was a piece of cake. Just goes to show that the basic CSRs don't know much.

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Glad it worked out!