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 Amazon Visa through Chase
Posted Tue September 27, 2011 12:43 pm, by Jenna S. written to Chase Bank
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I applied for an Amazon Visa card through Chase back in May. It was approved, but I forgot about it when the card never showed up in the mail and I never got any statements. Unfortunately, Amazon defaults that card to the primary payment option when you're approved, and I failed to notice that change. Apparently I made one purchase with it. As soon as the delinquent account hit my credit report, causing an e-mail alert from my credit monitoring service, I called Chase and cleared up the amount due - an original amount of $22 that was now up to $67 with late fees and interest. But now my credit score has dropped 35-45 points across the board for that small amount because I have my first ever late. I've never had a late account in my life, and had I known that Amazon had used it for a purchase I obviously would have been more attentive and called right away when the card and a statement didn't arrive. I'm also really surprised that I didn't receive an e-mail or a letter once it was late. I did confirm with Chase customer support that the address on file is correct.
I would like Chase to remove the 30 day late from my credit report given the unusual circumstances, low amount overdue, and prompt payment as soon as I became aware of the issue.
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