Chase Bank Perfect Credit Card Review

Overall Rating

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Fraud and identify theft policies are extreme and make YOUR life miserable!!! TERRIBLE FOR MILITARY PERSONS!!! The worst customer service ever! Hello India...can you please connect me to people who understand English? No, not yet? I have to answer 5 million questions...none of which you seem to be able to help me with.

WORTH READING FOR MILITARY:
My husband and I have been with Chase Bank since 2003 (separate accounts). We have excellent credit scores. Always pay bills on time. Have high limits, and we use our cards almost daily. My first real problem with Chase was when we decided to buy furniture earlier this year. I bought the furniture at the store, gave them my credit card and signed a receipt (they charge your account when the furniture ships). About 4 weeks later, I received an automated phone call from Chase stating to call to verify my purchase for ~$6000 at X store. OK, not a problem. I called and was subjected to intense questioning, not only about myself and my husbands' personal information, but my sister's, brother's and father's birth date, where they lived (exactly), maiden and married names?!? How do they know that information?! I refused to answer those questions. I NEVER gave them that information or authorized them to inquire about it? I never reported any fraudulent activity! And what does where my sister live have to do with anything about my furniture purchase? Besides, the fact that she got married and moved 2 times in the past year, but they still had the correct address and name. It was unnerving (her husband is in the military too)! I was livid and demanded to know how they knew that information! They said that they could not tell me how they got the information, and it was to make sure I was, in fact, the cardholder. My sister does not use credit cards at all, so it's not like she would be "on file". Since when is SS#, birth date, mother's maiden name, phone #, home address, and cc# NOT enough!? So, did I finally get to verify the purchase for it to be processed? NOPE! They told me they did not authorize it (cancelled it) and I would have to contact the company to reauthorize payment. What did that mean?? Oh, yes, my furniture order was cancelled and I had to wait an additional 4 weeks to receive my order. THANKS CHASE!!

Well, you would think we would have learned our lesson, but we kept using our cards. Until recently, we decided to close all our accounts. My husband got deployed (boat) later this year. When he got into port he went out to eat a bunch of times and decided to buy me a gift :) They denied his purchase for the gift. Luckily he brought his AMEX (HIGHLY RECOMMEND). I got an automated call and it stated that the $300 purchase was denied. Then it asked me to validate the restaurant charges, press 1 if the purchase was valid or 2 if not. So, the restaurants charges were processed on site, but now I'm validating them?? And the gift was flatly denied? I then called Chase. I told them I don't want any charges denied unless I report a problem, and that I want my husband to be able to use his card while he is deployed. I got transferred to their fraud department. NOPE, they can't do that. It's part of their "policy" to prevent identity theft.

I found out that our account had been put on hold/locked, and even though I am an authorized user and they have a copy of our power of attorney...only the primary card user could unlock the account. OH okay, did I mention he's on a boat??!!! My husband was extremely angry when he had to use his phone privileges to call Chase. Well, that must have straightened everything out, right?? NO, not even the primary user could unlock his account! It's almost comical. So, I called again and demanded to speak to the fraud department. The outsourcer only asked me a few questions and I was transferred. I demanded to speak with a supervisor. I asked what did we need to do to have my husband's account unlocked. He said that only the primary user could do that and asked to speak with him. I explained that was a bit hard to do since he was deployed in the gulf. I also explained the entire situation and the fact my husband wasted his phone privileges and time to have nothing resolved. He apologized and couldn't understand why nothing was resolved when my husband called, but that unfortunately my husband would have to call back if we wanted to unlock the account. I told him that this was ridiculous and to cancel all cards associated with that account. NOPE, they can't cancel the cards if the account is locked!!! Hmm, does that mean I don't have to pay either?? Being that they think there is some sort of "identity theft" going on? I'm sure they'll accept my check and would charge us late fees if we didn't pay. I thought credit cards are supposed to make things easier, not harder.