@SRT4kid93 wrote:Wanted to update on chases customer service
Update:
I made my first payment with chase and it posted the next business day. Not only that, but it also affected my available credit the next business day as well. Very impressed!
The fact that it was my first ever payment. Makes it double impressive. And add in that today is a federal holiday and the payment still posted today makes it even more impressive.
capital one put a 10 business day hold on my first payment, chase said hold my beer!
Hey I want to encourage you to cut up and close the credit one card or whatever.
you have a chase card. Use that to keep growing. And Capital one
those banks are use it, and close it ASAP IMHO. I wouldn't leave it open for a day longer.
shortterm hit that will matter verrry little. (Credit utl, etc.)
@ElvisCaprice wrote:If you want to get something serious done with U.S. Bank, make the first call to their CSR, keep it brief. Wait for the customer service email then complain. That will elevate your needs and within a few days you will get a call from someone who can get things done.
I'll use your tip!
@SRT4kid93 wrote:I have recently acquired 3 new credit cards all within the past 3 and I wanted to share my experience with all 3 issuers.
i started off with credit one. They have the worst customer service by far and it's not even close. For me the biggest thing is when I call in, I have called probably 2 dozen times and every time I have gotten an agent not In the US. And it sounded and felt like they were reading from a script.
They have absolutely no power to do anything to help you. For example I hit my max of 4 payments within a month, and they could not push my 5th payment through, even after I offered to pay a fee. You ask them questions and they give you the most generic scripted answer that gives you no real information. When I asked to speak to a supervisor they said a manager would call me back, and then they never did.
They charge you to make a payment. $7.95. And if you don't pay the fee, the payment takes 2-3 weeks to process. So you really have no choice. They charge an annual fee for a terrible card. I have ever heard of them charging you for a CLI. I got an auto CLI, but they only gave me $200 more credit. Then when I have requested another CLI the computer automatically rejected me saying "my account hasn't been open long enough for a credit limit increase"... but if that is the case, how did I already receive one? And of course, when I called in to ask about it, they couldn't understand me, and read from a script and kept saying the same thing over and over again.
Next was my capital one, leaps and bounds over credit one. But still not good. When I call in, I got an agent inside the US probably 80% of the time. Which is a start. But when I asked if they could express ship my card for a fee they said they could not. Even after I offered to pay for it. They do not offer the ability to pay using a debit card, only via bank account. So Payments with them take a long time to process.
finally, I got a card with chase. I'm glad to see some companies still know how to do business. Their customer service was the best out of the bunch. When I asked if they could expedite my card, she was able to immediately help and send my card 2 day for no charge. Little things like that matter.
the reps are actually able to assist you, imagine that! Giving your customer service representatives the ability to actually assist people! So far there has not been a question they could not answer or a problem they couldn't solve. The exact opposite of credit one, who couldn't do anything.
there is also small things like the reconsideration line, and the fact that when I applied I needed to speak with someone to ensure it was not fraud. And it was actually me opening the account and not someone else. All these things matter to me.
Customer service, being treated like a person and not a paycheck, and actually being able to talk to someone and get my questions answered are the most important things to me. And unfortunately that sort of thing has gone way downhill since the widespread use of computers.
I don't want a computer looking over my case, computers have not feelings and therefore do not care about you or your situation.
anyways, I have heard Amex is even better than chase. Like I said, I'm glad there are still companies out there that value customer service.
I'm trying to remember the times I've used customer service.
When my husband and I got married, we had everything booked the year before. The day of the wedding (and leading up to it) we had issues with the charter service. The charter service didn't make the changes we requested over 30 days prior to booking, we didn't know if the driver had the addresses or not, they didn't have AC on the bus on a hot summer day. It was a terirble experience with the charter company. I used Wells Fargo to put the deposit. Called them and explained the situation, and they said they'd take care of it. Then I get a notification that the dispute wasn't in our favor. It was like $300. $300 or $3,000, I just want issues to be corrected. While Wells Fargo has good cards and credit limits, I have them on the chopping block due to poor issue resolutions.
For Chase, I've been with them since my first checking account. The remaining $1,500 of the balance from the charter service happened to be paid with Chase. My husband and I went back and forth with them during our honeymoon. In the end, they were able to get the rest of the charges with the charter company back. For that, I'm glad I can feel confident in banking with them.
With Bank of America, I had 2 fraudulent charges recently. It was around $1,500 on Google and about the same with maybe Apple. I immediately called them when I got the first fraudulent charge, then the second one came in shortly after I hung up. I also went to a physical bank location close to that time to update my married name. When I called for something else, the CSR told me "I see you have a charge here with Google..." and I was frustrated, telling him that's not what I was calling about and that it was already addressed. He said that because of the frudulant charge, he'll send me a new card. Then I told him about the new card with the name change that was already supposed to be on the way, but he doesn't see it. It was a frustrating experience. This past week, I called all my banks for a credit limit increase. Bank of America gave me a generous $7,800 increase, so I might give them another chance. My husband has Bank of America and likes the service, but he also has Merrill Lynch with them so that likely contributes to the better customer service.
