Via Personal Finance Q&A at Moneyanswertree.com

I was so close! I can’t believe I was this close and failed to reach $200 dollars in cash back rewards from Chase. A month ago I posted an article about how to save your cash back rewards because The Chase freedom card is no longer going to give the $50 dollar bonus for waiting until you have saved up $200 dollars in rewards. It is different for each person and I think it depends on the aniversary date. My $50 dollar bonus was going away June 30th, so I had up until my last statement day which was June 25th. As you can see below I just missed it. I would have made it easy if all my pending transactions had completed by midnight June 24th.

I have until June 30th. I wonder if I can call them and see what I can negotiate with them. That $3.34 could turn into $50 bucks. I know you might think thats not a big deal, but to come so close, and to have literally made it, just some delays in transactions means I don’t get the $50 dollars.

I wonder if there is a way for me to talk to them and see if they can make this happen. I would think almost 100% NOT going to happen. Why would Chase help me get more money, that is just not in the best interest of their company.

Make sure you guys check when your statements are ending, and when your $50 dollar reward is up! Don’t miss out like I am going to.

Update:
I emailed Chase this morning asking them what I can do to make up the point/cash. I asked if it was possible to transferpoints or borrow points in order to make it to the $200 mark I need to order that $250 dollar check. Here is the reply I got from Chase about 2 hours later:

I was shocked too! That was awesome! I have always been really pleased with the customer service from Chase, but this I never expected. Get a Chase card if you don’t already have one!

Here is the results already:

I will post another picture when I get the check. Please share if you had good customer service experience with Chase.

My credit card statement this month was different for the first time. I had a balance, but the minimum payment was zero dollars. This confused me. How can I have a balance and the minimum payment be zero? I didn’t think much of this and I thought it was a mistake. I setup my payment to pay off my balance in full like I always do. I needed to find out why my minimum payment would be set to zero. So I sent a message to customer service. Chase’s customer service is very good by the way. They always get back to you quickly and accommodate you well.

You can see in the picture above that my statement clearly says I carry a balance, and my minimum payment is zero.

My message to Chase was this, “I am a little confused why my last statement says minimum payment due is 0 dollars?” Here was the response I got from Chase…

Awesome! Thanks for the good news Chase, but this is a total scam. They want me to skip this payment so they can charge me interest. I’m posting this because as soon as I read this email, I had to let everyone know about it. If they allow you to “skip” a payment don’t do it. The minimum payment for my balance would have been about $18. If I had taken Chase up on this wonderful offer I’d be charged $12 dollars in interest. So this only benefits Chase. Maybe if you were really short on cash this could help you out, but for people like me who pay all their balances in full, this is just a scam to try and make a buck off you. I know $12 dollars doesn’t seem like much but multiply that by all the accounts Chase has.

What if you had setup automatic payments? Would this not go off because the minimum payment due is zero? If so, that would really screw people over.

If you liked this, or know anyone that should know about this, please share and let me know what you think below.