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@JoeTaxpayerBlog haha, thanks. It's out of my head now, but I will remember that for next time. in reply to JoeTaxpayerBlog #

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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.

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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.

What does this mean for current card holders?
In the next several months you should be getting letters in the mail from your credit card companies explaining new changes to your terms & conditions. You will see higher interest rates and fees because they will no longer be able to change the APR’s on existing balances under the new bill.

What does this mean for new credit card offers?
It will be much harder to get approved for a credit card. They are tightening up who they allow credit. If you do get accepted, you will see a lower credit limit than what you would expect. For those who are 21 years and under will need to show they have an independent source of income or will need a cosigner. This is particularly good because credit card companies would prey on college students often getting them into debt before they graduate. Under this new bill it also helps protect young people from being irresponsible.

How does this effect the communication between the consumer and the credit card company?
Credit issuers will no longer be able to raise interest rates on existing balances. In a case when a payment is 60 days late they are allowed to raise the rates as high as they want. Not much has changed here right? The only difference is they are required to inform you 45 days in advance and explain the reason for the increase. In addition, your statements will be sent at least 21 days before your payment is due.

To help card holders stay away from debt, statements will clearly show how much it’s costing you to borrow and how long it will take to pay off a balance if you are making the minimum payments. If you can avoid it, never pay the minimum, always pay more. If you are paying the minimum payments now, you will see when these updated statements come, that by paying only the minimum payments, you are often further in debt the next bill cycle.

Photo: AP

I haven’t figured out if this is ending for everyone this June or just me. My anniversary month is June, so I received a letter from Chase explaining the change in terms and will take effect June 30th. If you have the Chase freedom and have not yet received this letter. I would assume it would be ending on your anniversary month in 2009. Start planning ahead!

Why should you care and plan ahead?
The $50 dollar bonus reward once you reach $200 in cash back reward is also going away. Again for me, I have to earn $200 dollars in rewards before June 30th. My current cash back balance sits at $162, which means I have to earn $38 dollars in rewards in just over a month. Can I do it?

I am going to try!
My plan is to milk the chaserewardsplus.com website which gives you additional cash back on online purchases, and buy lots of gift certificates. As stated in the terms and conditions, you will receive 3% cash back on the top 3 categories where you spend the most for the first $600 each month. My first idea is to buy movie tickets for the entire summer. I will probably buy about $100 dollars worth. I am also looking into buying gift certificates for Gas, and my local sub shop at where I buy lunch almost everyday.

By crunching numbers and working the system I think I can reach my goal of spending close to 700 dollars in pre-paid money at 3% cash back, in order to get the $50 bonus. Then after that I can go back to my regular charging habits. So if you need me to charge something for you, let me know I’m looking for ways to increase my cash back.

Do you think I can make it? Got any tips? Let me know

Photo: zert.geld_2008

I tried to logon this morning to check my account and got an SSL security warning. This raise red flags for me because I’ve never had a problem with their site before. I then went to GMACbank.com and it said “Page not found”.

I looked it up and it turns out GMACbank has now changed their name to AllyBank. It would be nice if GMACbank.com forwarded you right to allybank.com. Instead I had a panic attack.

allybank.com

The reason for the name change is to disassociate them form GM, who is known to be hurting these days. When asked about the name change, chief marketing officer Sanjay Gupta said, “Ally conveys the sense of a trusted partner, the attributes we are trying to convey.”

Here is a WSJ article more about the Bank’s new name: GMAC Will Change the Name of Its Bank

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If you put into life insurance now, can you take out the money at any time?

As a young professional, should I be looking into this?