After placing an order through Amazon I contacted my Chase credit card customer service, with the intent of making sure the charge went through. I don't use the card often and didn't want the security department tagging the purchase, causing delays and grief. "Beckia" at Chase said "no problem, we'll make sure it's authorized". An hour later I get an email from Amazon saying they were having a problem getting the charge to go through.

Another call to Chase (they hadn't contacted me at all to let me know there was a problem) had me on the phone the requisite half hour on hold, and after going through 3 different agents I finally found out that the Chase security department ("Catherine") had indeed tagged the purchase, which I had just asked to be authorized an hour earlier, as "high-risk" and had denied the charge. Supposedly they got it "cleared up" and the charge went through.

So what does it take to get a charge authorized? Who knows, but apparently it takes several phone calls, being transferred all over the place and giving every security challenge the correct answer at least three times.

Chase ***, and as soon as the bill comes in I'm paying the balance (like I always do) and closing the account.


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1. Written by Ismail Bajan, on 07-09-2009 04:03

I have been using MBF Credit card for over 10 years now.couldn't the the annual fee be weaved like most credit cards, that have attractive offer, free for life? Should I canceled the card and transfer the balance to another card?

2. Written by harrisro, on 01-08-2008 22:25

Don't close the account, just cut up the card. Closing the account could change your debt to available credit ration and lower your credit score. If you aren't being charged an annual fee then at least you can use them for paper purposes and increase your credit rating. That's about all they are good for anyway.

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