12-05-2009, 01:36 AM
StillHope:
I also 'prepaid' on a credit card (not Chase) one time as I was anticipating a large charge that was coming up that might put me over my limit. I got a call from the card's security department. He said it was a violation of the CC terms and they could freeze or terminate my card as a result. When I asked what the problem with 'overpaying' was he said it was a flag for possible scam activity (somehow utilizing the 'excess' credit with cash advances?). Not sure where that conversation was going and I didn't want to argue so I concluded the call as soon as I could. It made me wonder when reading about your situation whether your overpayment was used in a similar way as an excuse for Chase to change the financing arrangement on you without notice.
I also 'prepaid' on a credit card (not Chase) one time as I was anticipating a large charge that was coming up that might put me over my limit. I got a call from the card's security department. He said it was a violation of the CC terms and they could freeze or terminate my card as a result. When I asked what the problem with 'overpaying' was he said it was a flag for possible scam activity (somehow utilizing the 'excess' credit with cash advances?). Not sure where that conversation was going and I didn't want to argue so I concluded the call as soon as I could. It made me wonder when reading about your situation whether your overpayment was used in a similar way as an excuse for Chase to change the financing arrangement on you without notice.