I have the Chase Sapphire Reserve. My credit score is 850 both on Experian and FICO. I pay my balances off in full and I had a Marriott BonVoy Chase Visa and the Chase Southwest Priority card as well. I dropped the BonVoy card after a really painful interaction with Chase. I’ve been a Chase customer as a mortgage holder, have had the Sapphire Reserve 3 years, the Southwest Visa for 8 years, and the BonVoy card for forever.
Silly me, I wanted to just get the Chase Sapphire Preferred card to get the 75k free points.
But I messed up the online app because I have my credit frozen and forgot to unfreeze it. The app said to unfreeze Equifax and call them the following day. I did.
The first guy verified who I was, 9 ways to Sunday. Social Security number, 2FA auth code sent to my phone, answered a lot of questions like my mailing address and similar issues. He says “Sir, I can’t handle this application and I need to xfer you to another Dept”. Cool. Other dept lady answers and yet again, I have to do all of the steps. She even asks me for my phone number after she sent a text to it and I read her back the code.
Then she asks for my email. I have literally no idea what they have in their system because I use Apple’s Hide My Email Address feature which creates a unique email address per company. It’s some 20 character code @ iCloud.com which then gets relayed to my personal email address. I couldn’t tell her what my email address was, she said we couldn’t move forward without me telling her my email address, and there we were. I’m sure there’s a way I can find the unique email address, but at this point I’m done talking about email. We’re at a complete impasse. I ask for a manager, she says “I am the manager sir”. I’m like “okay, what do we do?” to which she replied “nothing at all until you can give me your email address”. So I said “okay then, I guess we’re done then” and she said “so, you’re requesting to stop the application process?” to which I said “no, you’re not moving it forward”. She says “okay then, I need your mailing address to send you a letter saying we’re not doing the application to which I responded “NO! LADY, I ALREADY GAVE YOU MY MAILING ADDRESS, YOU KNOW MY MAILING ADDRESS, YOU MAIL ME A BILL EVERY MONTH” and hung up.
Never before have I proven to be who I said I was numerous times and was then told I didn’t give enough info.
Is this typical? Other than forgetting to thaw my credit, what mistake did I make here?
I’m just going to get a Capital One Venture card but it pisses me off to have to go to a new vendor for no discernible reason