Chase Sapphire Reserve
in Banking, Insurance & Loans ·
Hi there!
A few years back, I was using an American Express card and had some outstanding debt on it; I paid it off and blah blah blah. Fast forward to early 2013—I needed a checking account, and since I was a student, I picked up a student package, just without the Amex because I didn't need it. Like everyone else with this account, I have an approved $333 overdraft limit and the ability to pay in installments up to $333. Currently, I rely on this quite a bit because it helps me out; I buy everything I need for my apartment, and then once my paycheck hits, I pay it off. It’s always been that cycle. Three days ago, I went into Chase to deposit some cash because I was $200 overdrawn since my paycheck was delayed by a full month. I asked the teller if that would be an issue, and she said it wouldn't. I made the payment, checked my online banking, and it immediately showed I still had over $500 available in installments plus about $100 in the account. Then, I head to the store that evening and my card gets declined. I go back to Chase, and they tell me everything looks fine on their end and that I have funds available. I go back to the store, and—surprise—declined again. I return to Chase, and the woman tells me they’ve put me on a blacklist due to that old debt from 2008, and apparently, because I'm running late now, too. But neither she nor I can make sense of why my balance shows available funds when they won't actually let me use them... -.- Does anyone know why? I really don't want to keep trekking back to the store and bothering the poor clerks, but both the website and the people at the branch insist my credit is approved. Also, shouldn't there be some kind of warning or notice first? And if they aren't giving me an overdraft anymore, shouldn't it show $0.00 instead of 500? Help me out, I'm just waiting on this paycheck. :P
A few years back, I was using an American Express card and had some outstanding debt on it; I paid it off and blah blah blah. Fast forward to early 2013—I needed a checking account, and since I was a student, I picked up a student package, just without the Amex because I didn't need it. Like everyone else with this account, I have an approved $333 overdraft limit and the ability to pay in installments up to $333. Currently, I rely on this quite a bit because it helps me out; I buy everything I need for my apartment, and then once my paycheck hits, I pay it off. It’s always been that cycle. Three days ago, I went into Chase to deposit some cash because I was $200 overdrawn since my paycheck was delayed by a full month. I asked the teller if that would be an issue, and she said it wouldn't. I made the payment, checked my online banking, and it immediately showed I still had over $500 available in installments plus about $100 in the account. Then, I head to the store that evening and my card gets declined. I go back to Chase, and they tell me everything looks fine on their end and that I have funds available. I go back to the store, and—surprise—declined again. I return to Chase, and the woman tells me they’ve put me on a blacklist due to that old debt from 2008, and apparently, because I'm running late now, too. But neither she nor I can make sense of why my balance shows available funds when they won't actually let me use them... -.- Does anyone know why? I really don't want to keep trekking back to the store and bothering the poor clerks, but both the website and the people at the branch insist my credit is approved. Also, shouldn't there be some kind of warning or notice first? And if they aren't giving me an overdraft anymore, shouldn't it show $0.00 instead of 500? Help me out, I'm just waiting on this paycheck. :P