I am getting so I really hate Chase Rewards Visa. They are the only credit card company that I have trouble with. Most banks and credit card companies have instituted new security procedures recently.
I have several that present a sign-on screen and then present you with a second screen that has a photo you have to choose and then enter a password. No problem. I am all for better Internet security.
Chase’s procedure has you sign in with your sign-in code and password and then takes you to a second screen. Supposedly, if you have been there before, it will sign you right in because it has hidden a cookie on your PC. This site never finds my cookie (No I don’t delete my cookies and all other sites have no problem).
When it doesn’t find its cookie, it tells you that you need a new activation code and to request it by clicking on a button. I do and it says I will receive an email within 2 minutes with the activation code and to enter it on the current screen.
I wait and wait and wait and no email. I did this last l week and had to do something else and forgot to check back, thinking the email would remind me. Last night, while I was in bed it hit me. I still hadn’t paid the visa bill and it was now over due. Damn!
So this morning I go to the site and wade through the same drill again and and again do not receive an email. Thinking that this has gone on too long, I called the credit card company. An international call that is going to cost me more money. Fairly quickly, I was connected to a lady that was obviously in India. Now I don’t have any problem being assisted by a person in India except it still chaps me that they are replacing possible US laborers in the call center. Don’t bother telling me that there aren’t any US laborers that want the job, I don’t buy it.
After asking me a myriad of security questions, she tells me she will transfer me over to their website area so they can help me. I ask if, before she does that, she can go ahead and issue a payment with the bank account on record and she says she would be happy to do that, but there is an extra fee for her to do that. Well what a bunch of blood suckers.
I tell her to go ahead and transfer me to the website area and begin my 10 minute wait to be assisted again. When the fellow comes on, again in India, he begins with all the security questions again. Passing the test, he asks how he may help me. I explain that I am not receiving the emails with the activate code and because if this I can’t pay my bill. He said he will be happy to give me a new activate code and does.
I am now able to enter my account and see that they have indeed charged me with a $39 late charge. I tell myself, to just chill and pay the damn bill and do. Within seconds I receive an email thanking me for paying my bill. I still have not received any of the emails with new activations codes.
It sure makes me wonder if Chase has put in a new annoyance factor so that it has a high probability of collecting an extra $39. As I said when I began this post, I am getting so that I really hate Chase Rewards Visa. I think they should change their name to Chase No-Rewards Visa.
I try not to use my Visa card and don’t if I buy anything on the Internet. I use Discover. I always get great service from Discover. I have called Discover in the past and guess what? Their call center is maned with US employees. I guess that is why Visa uses people in India. Discover has hired the very last US citizens that want to work in a call center.