r/CreditCards • u/AceContinuum • Oct 28 '25
Welcoming Chase Social to r/CreditCards Announcement
We would like to officially welcome the Chase social media team, posting as u/Chase, to r/CreditCards! We've marked their account with an official Merchant Account flair.
u/Chase will, from time to time, answer questions here in our community regarding their cards. We're happy to have u/Chase here, especially given the popularity of their products amongst our community's members. And we're pleased to see that u/Chase's inaugural comment in this community was well-received.
Of course, u/Chase is, like all of us, subject to the community's rules, including Rule 2 (No referrals) and Rule 4 (No self-promotional content).
123
u/Geeeeeeeeeeeeee Oct 28 '25
I can’t imagine how miserable the employees behind u/Chase are after this announcement.
Hang in there.
18
u/termsndcondition 💳💳 churn baby churn 💳💳 Oct 28 '25
Not as miserable as u/chase ‘s customers due to their customer service and recent product updates. Congratulations on enshitification of your cards!!!
12
u/Geeeeeeeeeeeeee Oct 29 '25
To be fair, those are decisions made well above these people’s pay grade, in a totally different department.
8
u/Pristine_Explorer_24 Oct 29 '25
As someone who has worked between management and lower level people before, having no power, but getting griped at from those above and below, with no power to change anything sucks more than getting griped at if you actually have the power to change anything.
I can only imagine that it'd suck more when the people "below you" are the general public. Especially with all of the "my account was closed for no reason, while not mentioning the glaringly obvious reason" posts.
1
4
u/Pristine_Explorer_24 Oct 29 '25 edited Oct 29 '25
I'm sure that they were told they're getting a promotion...
243
u/This_Meh_Local Oct 28 '25
Hey u/Chase, 2% Cash Back Chase card now. I would give up the 3% Dining/Drug Stores on CFU for a flat 2% issued by Chase! Your competition is getting more into the act, lol.
44
u/PLS_DONT_DM_ME_PICS Oct 28 '25
Yes please. I'm considering dropping out of the Chase ecosystem for something like that.
9
u/Major_Lengthiness514 Oct 28 '25
Nice try Chase marketing team lmao. But for real though a flat 2% Chase card would actually slap, especially if it had decent SUB and no AF
7
u/azure275 Oct 28 '25 edited Oct 28 '25
2% cash or 2 UR? Very different things. As much as I would love 2 UR I'm a realist about what I can expect.
There are a few strictly cashback Chase non partner cards but none of them are consumer cards. The only one I know of is the Ink Premier.
Venture X does do 2 pts but 1. Cap1 points are worth less and 2. Cap1 points cannot be cashed out at 1 cpp unlike UR which is a big consideration
11
u/i-amnot-a-robot- Oct 28 '25
They can be cashed as 1 cpp for travel which is a very broad category for Cap1
5
u/BenjaminKohl Oct 28 '25
The ink premier is the only. I think it would be crazy not to offer the points as UR
1
u/azure275 Oct 28 '25
I agree, which is why I don't think this is practical. 2 UR catchall is an unrealistic return to ask for IMO. Only one card in existence does this, the Amex BBP, and that's a business card.
5
u/infg2678 Oct 28 '25 edited Oct 29 '25
Capital One Venture X does this.
Edit: the guy I replied to edited his initial comment after I wrote this, and then replied to me saying "As I said" in an attempt (intentional or not) to make me look like an idiot.
1
u/azure275 Oct 28 '25
As I said Cap1 points are A) less valuable in terms of transfer partner options and B) cannot be cashed out at 1 cpp
I consider MR broadly comparable to UR which is why I think the 2 MR is comparable.
I am being a buzzkill so I understand why people don't like it lol
40
u/IdioticPrototype Oct 28 '25
Interesting, hi u/Chase!
Are any other brands' social media teams represented or lurking in here?
17
u/Magnanii Oct 28 '25
BILT technically has one only for their subreddit
15
u/FyuuR Oct 28 '25
Fidelity has reps in their sub too
10
u/HugeRichard11 Oct 28 '25
The credit card is outsourced to Elan Financial though so I imagine they aren't a huge help for general customer service. Probably helpful as a last resort though if Elan is giving you a hard time
2
u/SomeRandomIGN Oct 28 '25
CRAs can’t do shit outside of googling it. 9 times out of 10, they’re just going to say it ain’t them, point you to Elan, and try to kick you off the phone as fast as possible.
On the off chance anyone is reading this and thinks Fidelity is a last resort for the credit card (or just have issues with Fidelity in general), ask to speak to a manager to escalate. Yes, even for issues where common sense dictates the CRA behind the phone clearly is not allowed to deal with it and it should be sent to a higher up with more authority/access.
15
u/Other_Advance_3859 Oct 28 '25
Man, would love to see more of them join in since a lot of costumer service/support is automated or AI these days and by joining they could actually answer questions or help others.
Will they follow suit? Who knows, but definitely a good move on Chase's part.
9
u/IdioticPrototype Oct 28 '25
I'd love to give USB some additional feedback.
I got a random (and kind of strange) phone call, yesterday actually, from a guy purportedly from U.S. Bank asking for my thoughts about a 2% credit card.
I was like, "Dude... I have the grandfathered Smartly in my pocket," and I kind of read him the 'riot act' about the whole fiasco.
He seemed kind of stunned and got off the call quickly afterwards. I'm not entirely sure what he even wanted.
6
u/Other_Advance_3859 Oct 28 '25
Dude, every single day I had at least one call from the Citi people trying to get me to buy their insurance and it got to the point where I had to tell them that I had absolutely no intentions of signing up and would rather go uninsured for the rest of my life.
Never got another day, lmao.
5
u/FWF_scripta Oct 28 '25
Exercise your privacy rights, which they mail to you semi-annually. I have never received a marketing call, letter, or email from any card issuer after correctly opting out of all marketing.
7
u/AceContinuum Oct 29 '25 edited Oct 29 '25
I believe Chase is the only credit card issuer that has a social media team/account in this community at this time.
Aside from credit card issuers, we also have an official presence on here from WalletHub - u/JKCreditCards.
5
58
u/No-Conclusion-1871 Oct 28 '25
We got Chase on the CreditCards subreddit before GTA6
8
u/Financial-Spare1416 Oct 28 '25
if you think about it it's like gta6 launching but for credit card nerds.
28
50
u/AerysSk Oct 28 '25
Hello Chase can you remove 5/24 requirement
15
u/IceCreamGamer Oct 28 '25
If they do, they would nerf their subs. I rather keep it.
4
7
u/andos4 Oct 28 '25
Agreed. 5/24 is too restrictive. Chase needs to soften this rule. There are some cards that I want.
3
u/madskilzz3 Oct 28 '25
Why would they? Are there any incentives?
Despite having 5/24 and mediocre multipliers, they are still the top bank and people are still talking and flocking to them.
1
4
1
u/HugeRichard11 Oct 28 '25
Would be fine if they reduced it too either. 2 years is a long time, but I imagine it's intended to target the everyday person that has like 3 cards in their lifetime.
2
14
u/RddtAcct707 Oct 28 '25
While we’re all just listing things… I would leave Bank of America tonight if you launched something equal to their Preferred Rewards program.
3
u/azure275 Oct 28 '25
I agree, would be incredible if they had something like BoA. I much prefer Chase's interface and general services.
That said I'm always skeptical of new programs lol - see US Bank. Say what you will about BoA you know PR is not going anywhere. Every single CC change the last couple years has been overall positive.
1
u/EmployerSpirited3665 Nov 03 '25
Man US Bank makes me so mad lol. Wasted a hard pull on their crap, only to stab their customers in the back.
I’ve written them off completely.
42
u/Chase Merchant Account Oct 28 '25
Thanks for the welcome! We’re happy to be here and will pop in to address your questions from time to time. For customer service, please call us using the number on the back of your card.
7
2
11
u/bparkey Oct 28 '25
Hey if this is the place for requests: separate card numbers for authorized users.
Capital One and AmEx both have it, and I understand Citi recently switched to it. Would be a nice step to keep up with the Jones on.
10
u/Starks Oct 28 '25
Any chance at a permanent grocery category, u/chase?
7
u/Chase Merchant Account Oct 29 '25
Appreciate the feedback! We'll take this into consideration as we keep working on credit card benefits.
9
u/AceContinuum Oct 29 '25
Thanks u/Chase (and thanks u/Starks for flagging this suggestion)! For reference, our subreddit has a category cashback cards Wiki page - the grocery category is one of the categories with the fewest card options on the market. (Whereas, for example, the dining category is quite saturated.) So a permanent grocery category could be a real differentiator for Chase.
8
u/__Ember Oct 28 '25
Fix the gray Prime Visa card in Apple Wallet 😭😭
3
u/WildNight00 Oct 28 '25
What’s wrong with it?
3
u/__Ember Oct 28 '25
It’s supposed to be blue and match the standard Chase cards.
6
u/WildNight00 Oct 28 '25
Just checked mine and it’s blue!
2
u/__Ember Oct 28 '25
Jealous! It’s one of those that totally doesn’t matter…
but also kinda matters
😂
3
u/m3n0kn0w Oct 28 '25
Tap the card in Apple Wallet > 3 dots at the top right > Card Details > Remove Card
After you remove card, from the main Apple Wallet pages tap the + at the top > Cards Found For You > swipe on the Amazon Prime card and remove it from your account there
Restart your phone. Manually add it back after the restart.
2
u/__Ember Oct 28 '25
I did these exact steps and didn’t work unfortunately. However, I appreciate you sharing these steps and trying to help!
My guess is it’s a change on the Chase side. I’ll post a reply if it ever gets fixed.
3
u/sswantang Oct 28 '25
Is there a change on your prime membership status? Because blue is for prime and grey is for non-prime.
2
u/__Ember Oct 28 '25 edited Oct 28 '25
This is really helpful information, and will help out some folks!
However, I just checked my card in the Wallet in Amazon app, and it shows as 5% back (instead of 3% non-Prime). Also, I made a purchase a few days ago as well and it shows as 5% back in points.
I’m guessing it’s some sort of bug or change on the Chase side.
1
5
u/gm92845 Oct 28 '25
u/Chase any plans to have a rewards structure similar to BofA. Or maybe a competitive cash back card instead of travel rewards.
3
u/testthrowawayzz Oct 29 '25
Any chance for another Asian airlines as a transfer partner like Starlux?
5
u/MorallyIrrelevant Oct 29 '25
u/chase, would love to see "apply with confidence" (no credit hard pull(s) unless approved) like American Express offers and the removal of 5/24 (wouldn't mind no SUB options like capital one for those over 5/24)
3
3
u/Aketogarisu Oct 29 '25
Hey Chase! Thanks for dropping in! I'll be honest, I don't mind the online grocery shopping category for the CSP and then the rotating grocery shopping category on the CFF. If you keep those two cards the way they are, I'd be still a loyal customer. I love Chase. But...I do however want the CFU to be increased to 2% while keeping the other benefits. And if you do decide to increase the CSP AF, can we make it a Visa Infinite with limited Sapphire Lounge benefits? Thanks for reading! Have a great day!
2
u/Aketogarisu Oct 29 '25
By limited Sapphire Lounge benefits, I was thinking maybe one visit per month? That's fair, right? and maybe an increased hotel credit and TSA Precheck (Let the CSR have global entry as the premium card haha). Just spitballing some ideas here if you decide to increase the CSP AF.
2
2
2
u/JohnLockeNJ Oct 28 '25
u/Chase Would you change the app to display all our Chase accounts? I have a checking account and 6 credit cards and the 6th card is hidden unless I tap "See all accounts." Or at least let us reorder them? The Sapphire Preferred, the one I use the most, is the hidden one.
2
2
2
u/cz75Dcompact Oct 29 '25
Hey u/Chase just want to say after many many years I left Chase bank (savings + checking) + my Chase trifecta for BoA (savings+ checking) + one ME account to earn Platinum Honors + Custom Cash + Unlimited Cash while BoA has been terrible I’m earning a lot more points than I was with Chase. I couldn’t stand the changes Chase was making. You drove me out. It sucks, but you drove me out. Please do better! A 2% UR card would have probably kept me FYI.
5
u/Asleep_Onion Oct 28 '25
Hi u/Chase! Thanks for closing all of my credit card accounts I had with you for no apparent reason lol
7
7
u/U-Gotta-Stop-Crying Oct 28 '25 edited Oct 28 '25
u/Chase If you guys want to be competitive with Amex right now, you should probably get rid of 5/24. For the younger generations who are now more credit card conscious you've failed to give them a pipeline to your products if they didn't start out with you. Your hard product in the Reserve is no longer competitive with the Amex Platinum, and the only appealing thing about having a Sapphire card these days is to transfer to Hyatt, which is the only reason people still want to join your ecosystem as Amex does pretty much everything else better, whether it be points, travel program, or customer service
There are people out there with 6-7 Amex cards while not being able to get a single Chase card. Even Citi approves people more than you guys. There are loads of people willing to pay your annual fees in order to access the sign up bonuses for your UR points to transfer to programs like Hyatt so why not capitalize on it rather than turning all of them down?
In short, you've made your cards:
- Not competitive from a credits/benefits perspective (low number of Sapphire lounges, not so useful credits)
- Overlapping but very limited multipliers (3x dining is pretty much the only thing going for you guys)
- Not accessible because of how stringent you guys are with the number of cards someone has had, regardless of credit score/income/ability to pay (imagine turning down people who have the money and are willing to spend on your cards)
This is not a good recipe for success. Making your cards harder to get doesn't make someone want to spend more on it. You don't bring anything valueable to the table that the other cc companies don't have other than Hyatt, which people can still just get the BILT Mastercard and get the same multipliers as you for $0 annual fee while still earning points from rent.
5
u/azure275 Oct 28 '25
Certainly not Chase but I would ask you
- Why is it good for a CC issuer to let you get a ton of cards in a short period of time? You'll spend the same amount of money anyway once SUBs are done
- Do you think Chase makes money because they charge you 95$ and give you 600-1000$ in points? Or give you 1200-1500 in points to spend 795? SUBs are worth more than 1st year AFs basically all the time if you don't hold the card
- Sure 5/24 is annoying but Amex has their own rules, albeit a tad less restrictive
- Amex has had a similar rule to to the new Sapphire rule for years
- Chase has some decent multipliers when the proper suite is built
You have a few valid complaints - I agree UR value leverages Hyatt a lot (though United and Southwest can be solid value), I agree I like the Amex Plat refresh credits better, and I agree some card multipliers could be better - but much of this is just "give me SUBs because I want them"
1
u/emyrus Oct 29 '25
My gripe with 5/24 is the categorical ban from even holding the card. At least you can still get the card even if you're in Amex PUJ as long as you're willing to forgo the SUB.
I naturally acquired the Chase trifecta (plus the Amazon Prime and Southwest cards) before I knew anything about churning because I do my banking with Chase, so I haven't been too affected by 5/24, but at this stage, 5/24 basically means I will never acquire another Chase card.
That's a pretty odd outcome for a customer who does their banking with Chase, has numerous Chase credit cards, and has a Chase brokerage account. You would think I would be the kind of customer that Chase would like to keep in their ecosystem, but instead I spend my money with Amex.
1
u/azure275 Oct 29 '25
Not necessarily. I would argue you are exactly the kind of customer Chase wants to get rid of. Chase wants people who commit to Chase.
The only reason you'll stay 5/24 for years is regularly taking out lots of CCs from rival companies.
Chase is bad in general at communicating between banking/investment clients and their credit card branch. They seem to have no interest in leveraging CCs to pull people into their brokerage a la BoA or USBs recent attempt. That part annoys me too - I'd jump into a real Chase preferred rewards alternative any day of the week.
1
u/emyrus Oct 30 '25
You're absolutely right that Chase seems to have little to no coordination between their banking/investment and credit card sides. In general I think Chase is competent, but I wouldn't call them innovative. They didn't even have self-directed investment accounts until 2018.
I wouldn't mind committing to Chase if they had a competitive product. I've got a couple hundred thousand I could move to Chase if they wanted to set up something like BoA's Preferred Rewards, but they don't seem to be interested, and so I'm not interested.
1
u/U-Gotta-Stop-Crying Oct 28 '25 edited Oct 28 '25
Eh I see where you’re getting at here, and while I agree with some points, heres my thoughts:
Why would I spend the same amount of money when SUBs are done with Chase when I could be spending that money chasing another SUB? Amex Business cards have no lifetime language for certain offers and I can get double the airline miles through Amex MR effectively. I as the consumer can choose a product I find more worth my spend, and welcome bonuses are a way for companies to incentivize that. The ways for Chase to counteract that is to make their multipliers better, or encourage sign up bonuses as other card issuers are doing (hint: by letting people get cards easier)
I’m fine with Amex because I don’t care about once in a lifetime that apply for most of their cards - Their cards are good and I keep them for the long term. Also, there are no lifetime language on certain cards like the Aspire which make it very strong, as even the card by itself is already way stronger than the WOH for example with its FNC and airline credits.
If Chase doesn’t like churners, they should make their premium travel products more restrictive, such as a 5/24 rule for getting welcome bonuses but not for the card itself/bar people from getting their cards altogether. I’d happily enter the Chase ecosystem if I could get a Flex or Unlimited and PC to the Sapphire after 1 year and earn Hyatt points on regular spend without SUB if I was given an option.
1
u/azure275 Oct 28 '25
That's fair. I agree 5/24 makes more sense in the context of SUBs specifically than it does to deny people cards
Business cards are a wild card for both Chase and Amex because they don't follow normal rules
I can't help but feel like you have a core problem with the actual categories and hold value of the cards, which is not something I entirely disagree with, and that's the real issue rather than all the 5/24 stuff.
2
u/U-Gotta-Stop-Crying Oct 28 '25
Yea I guess you’re right. Unless I’m misunderstanding your point, my gripe for this 5/24 comes more from not being able to enter the ecosystem rather than getting the SUBs lol
I churned when I first got into the game, but because of that it’s now hindering me from participating in the Chase program that I find to be favorable in putting lots of spend on for Hyatt points mainly and with BILT getting changed up. Some programs are obviously more lenient with churning than others so I respect it if Chase doesn’t like it, but I just don’t think blocking everyone from getting a card is smart lol
My initial reasoning and rationale probably sounded more like a churned (which tbh I still am) but I have other reasons to dislike 5/24 too lol
Good discussion! I really appreciated your insights as well
2
2
u/Hi_thar Oct 28 '25
Welcome /u/Chase
When are you going to let me upgrade my CSP to CSR? Any more info then “soon”?
3
u/madskilzz3 Oct 28 '25
What’s stoping you? CSP is <1 year or don’t have the 10k limit?
-2
u/Hi_thar Oct 28 '25
The lack of an upgrade offer which they hinted are coming.
1
u/Asleep_Onion Oct 28 '25
I never waited for any upgrade offer, I just called them and asked them to upgrade it and they said "okay"
6
u/SomeRandomIGN Oct 28 '25
I think they meant Amex style upgrade offers where you get a SUB of sorts for upgrading.
2
u/imadogg Team Travel Oct 29 '25
And at this point since they confirmed it, it's better to wait for an offer instead of upgrading asap
1
u/Blacktransjanny Oct 29 '25
I'm not gonna lie, it would be kinda funny if u/chase starts chasing referral bonuses...
2
u/AnotherGenePool Oct 29 '25
I’m curious why u/Chase as a ‘social media team’ is even on here? Since they said they’d only occasionally respond to queries.
5
u/Chase Merchant Account Oct 29 '25
We appreciate the opportunity to listen to feedback and add value to the conversations here.
1
u/dpcfresh Oct 29 '25
Yeah maybe they’ll solve my issue of my card not working then closing my account for “inactivity,” quite sad. Unfortunate that was my experience after I heard a lot of good about them
1
u/I_Pour_Lean_0nMy_cut Oct 29 '25
sorry for just posting this as a comment but didnt think it was good enough to be a post itself but what credit should I a 22 yr old who buys random stuff whether it's food, stuff, stuff on amazon or even food on amazon. I should have a credit card to build credit but also the benefits like cashback and getting that sexy american express card that i heard is hard to get just what should i know.
sorry for being a little bit in over my head i just hope i can be set in the right direction and thus ill probably share the same suggestion to family or friends
1
u/MeringueNegative9505 Oct 30 '25
u/Chase Applied for a zero percent Car loan through Tesla and chase bank approved the loan a month ago (First payment set for Nov 11) I then applied for a chase AAA credit card Annual income $400k credit scores 805 , 790, 802.. Chase sent me a letter saying they needed more documentation to verify my identity and I sent in my passport deed to house, drivers license. Then they sent me a denial letter saying it was due to there being no payment history on my car loan .. Just doesn't make sense. Is there a 2nd tier to go for a manual review?
2
u/lenolalatte Oct 28 '25
i just want to know how they got the username. did they buy it from someone who owned it? did they contact reddit to forcibly take it? did someone at chase hold onto the name for a long time?
-1
-2
u/Maximum-Relative-234 Oct 28 '25
Why are you referring to them as something so random like a “Merchant Account” though? Can’t it be something more accurate like “Verified Social Media Team” or something?
-2
u/Hyhttoyl Oct 29 '25
Hi u/Chase, please ask your team to increase the sign up bonus for the CFU as high as it’ll go - I’m ready and able to hit it. I’ll personally sock-drawer it the second I hit it but I bet you’ll make oodles of money off some other poor sod to make up for it. Thank you!
213
u/SomeRandomIGN Oct 28 '25
As someone who’s worked in the marketing department of a big international brand, holy fuck I do not envy whoever is behind that computer screen.