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Amazon Chase Card closed my account????!!!!!!


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Showing 1-25 of 68 posts in this discussion
Initial post: Apr 3, 2012 8:14:35 PM PDT
Qing Xu says:
I was calling amazon chase card to pay my bill which would be due in 2 days. Then I heard my account was closed. I could not believe it!!!! I have been a customer always pay my bills on time. Called them the reason was I spent over-limit 2 twice. No phone calls, no warnings. All of sudden, they closed my account!!!!!! Customer service just did not do anything for me!!
This has been the worst experience with credit card companies ever!!!!! I can not believe this is Chase!!!!

Posted on Apr 4, 2012 12:35:39 PM PDT
M. Gooden says:
I can believe it! I had a 600-dollar limit. used the card frequently. paid bill, in fact there was a 0 balance. Without warning, my limit was decreased to 100. I checked my credit score, and it was the same or higher than it was when they opened the acct. What can I buy with 100, they may as well have closed the account. What is going on with this company!

Posted on Apr 4, 2012 4:25:51 PM PDT
MozartsMuse says:
I just received a letter stating that my Amazon Store Card account has been closed, due to the fact that my payment bounced, once! Yes, it did bounce, but Amazon had a hand in that- when I looked at my Amazon account to make sure my payment had gone through on the it was due, Amazon stated that my payment had been processed and had cleared. But when I checked my bank account, Amazon had not deducted any payment. I called my bank and Amazon did not have any pending payments. I called Amazon and was told that this is not unusual, that it can take a day or two to show up on my bank statement. Fair enough. So 1 week and 5 days later when Amazon withdrew my payment, I had forgotten about the pending payment and so of course there wasn't enough money in my account so the payment was denied. Of course, I was also charged an overdraft from my bank, plus another charge from Amazon for a bounced payment. I am not happy about this, I have been a good customer, always paid on time and this is how I get treated? But now that I know this is Chase, I am not surprised. I had been a loyal Chase customer for 8 years and closed my Chase account last year due to Chase's terrible treatment of long time customers, including outrageous fees and practices. I will pay off my Amazon card and I will never, ever open up another card with Amazon ever again.

In reply to an earlier post on Apr 5, 2012 4:43:40 PM PDT
Hey how are you.

Some times if you do not use a card for a while they drop the limit to protect the consumer from fraud. To avoid this there should be activity on the card every 3 or so months.
Buy and return something if you have to.

Hope this helps

Jamie

Posted on Apr 19, 2012 4:34:23 PM PDT
Xena says:
When you apply & received your credit card in the mail, there is a bank agreement, rules & regulation brochures enclosed that you MUST READ . This gives you an overview on how to use the card, penalties, fees, closures etc.etc. Most People hardly reads this brochure. So if you abused the use of your card, the bank usually closed your account. It is all there printed in black & white. It should not be a surprised on one's part specially if you know that you over spent several times, or you are always late in paying your bills, or you hardly use your card for years, etc.etc. To be a good credit card holder, you must adhere to the bank policy and you will never encounter any problem.

Posted on Apr 19, 2012 7:20:10 PM PDT
T. Walden says:
If CHASE is involved? Forget about being approved for anything or for any amount. Not even a credit score of 800 will get you in the door with them. I don't know why Chase is still in business. Those credit cards from CHASE are reserved for Wall Street millionaires. I had another credit card with another company, never late always paid ahead of time...CHASE bought out the company and closed my account! If Amazon is now hooked up with CHASE...be prepared to pay from another account. Good Luck!

TDW

Posted on Apr 20, 2012 2:42:42 PM PDT
I'm only 22 and definitely not a millionaire, and Chase hasn't closed my account down and I have a lot higher than a $500 limit. Last time I checked my credit score isn't over 800.... I really don't know what you are talking about.

In reply to an earlier post on Apr 21, 2012 5:49:59 AM PDT
Your mad because you made a payment obligation, failed to keep it by not monitoring your spending and defaulted twice? You did sign the card agreement. They reserve the right to cancel your account at any time for failing to comply with the terms of agreement.

In reply to an earlier post on Apr 21, 2012 4:30:28 PM PDT
Xena says:
@ A. Diggens ---your are correct.
" The banks reserve the right to cancel your acct.anytime with or without warning for not complying with the banks terms of agreement."

When Washington Mutual Bank was still open, they closed my credit card without warning. I called them to find out why, they said I did not used my card for over a year, due to Inactivity, that is why they close it. They offer to reopen it again but with a higher APR. I declined . I have read the banks terms of agreement & it is all there written in black & white. So the bank is just doing their part and I have no complain about what they did in closing my account. It is fine with me.
I learned my lesson too. Now, I make it a point to use my cards at least once or twice a year to activate it. Actually, I used my credit card only for REAL EMERGENCIES. I always pay in cash whenever I can.

Posted on Apr 29, 2012 4:25:30 PM PDT
My account was also closed I had been making regular payments I forgot to change my bank info since i switched banks so ONE JUST ONE PAYMENT didnt go through the next week i found out i paid it off in full and the next day my account was closed due to that one payment not going through even though I took care of it some bullcrap don't get one they don't work with you at all if one thing goes wrong with your payments. One week that's it !! They didn't even give me any notice of what was going on with my account just shut it down!!!

In reply to an earlier post on May 1, 2012 8:24:32 PM PDT
Chase does that more than any bank lol

In reply to an earlier post on May 1, 2012 8:24:52 PM PDT
That's Chase for ya!

In reply to an earlier post on May 1, 2012 8:29:14 PM PDT
Something like this is not Amazon's fault, you'd have to take this up with Chase. Amazon is just the rewards system. But you can't blame Amazon or Chase for them not taking the money out, you have to keep track of your transactions in a register so things like that won't happen. There's no rule that says a company has to debit your account immediately. Not trying to be mean or anything, but that's the case with banking unfortunately.

In reply to an earlier post on May 1, 2012 8:29:52 PM PDT
exactly! no one ever pays attention to that stuff and just whines and complains when something like that comes up!

In reply to an earlier post on May 1, 2012 10:33:33 PM PDT
Caryn Allen says:
I'm 23 and have a pretty high limit as well, same as you. My credit score isn't that high, either. People just don't know how to take fiscal responsibility!

In reply to an earlier post on May 1, 2012 10:34:41 PM PDT
Caryn Allen says:
Amen.

In reply to an earlier post on May 3, 2012 1:06:21 PM PDT
You are so right...be responsible

In reply to an earlier post on May 3, 2012 7:55:39 PM PDT
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In reply to an earlier post on May 3, 2012 7:56:31 PM PDT
It is a Chase credit card so you would go to Chase.com

In reply to an earlier post on May 4, 2012 8:35:38 PM PDT
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In reply to an earlier post on May 4, 2012 9:54:19 PM PDT
The amazon credit card IS a Chase credit card lol

In reply to an earlier post on May 8, 2012 7:11:44 PM PDT
JSH-NJ says:
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In reply to an earlier post on May 8, 2012 7:22:20 PM PDT
It's not a bad idea but when you go to a bank and they won't give you a loan, people just villianize the banks when it's your own fault you don't have credit.... Plus, you only pay the banks significant interest when you make minimum payments from spending beyond your limit. You can't rent an apartment, rent a car, buy a house, or even get a job without a background and credit check so sticking to that old mentality of not using credit for anything will only penalize you in the long term!

In reply to an earlier post on May 9, 2012 4:35:44 AM PDT
I have a credit score over 700, and have had for years. THAT's why I'm surprised, angered, and your response to corporate thuggery is the reason we can be gtreated like this: you've profiled the entire country into bad people. Good for you! Your brain is completely washed!

Posted on May 17, 2012 6:54:32 PM PDT
Susan says:
Hey I would like to thank the company for terminating my credit account after almost 10 years. I used that account for books and hoped to use it with the kindle my son got me. Went to buy a cell phone accessory only to find out they closed the account. Called to find out why it was closed and was told wait for the letter. I guess when you make this much money and pretty much control the internet monopoly for selling, you can do what you want. Sure made it easy to buy school books for my return to college and my son's venture into his college years. Not now! I could use other payment methods but I think I will just find other ways to get the books. My comments won't mean much as I am a nobody, however, I figure in the end sellers on amazon will feel the pinch when people stop buying. You all make your money....now that your so big the little people don't matter anymore.
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Discussion in:  credit cards forum
Participants:  41
Total posts:  68
Initial post:  Apr 3, 2012
Latest post:  Aug 12, 2014

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