Reply #130: Press the button for the Spanish Language option [View All]

If you call between noon and 11PM on a weekday this ought to guarantee that you will be sent to the Arizona call center. The offshore call center will be useless to you.

When the operator answers in Spanish, say, "I'm sorry, I must have pushed the Spanish button, can you help me?" The operator will switch to English.

Tell him what the problem is and he will tell you that he can't do anything. Ask him if you can be transferred to retention because you are going to need to close the account if this can't be resolved.
DO NOT tell him to close the account, because if you do, and he does- game over.

You have an internal credit score that the operator can see. If you are eligible for "retention" then he will transfer you- if you aren't, then ask to speak with a supevisor.

If you get transferred to "retention" then you will probably get what you want.

I wish I could be optimistic, but as an acquired account you probably won't get what you want. If you don't have a banking account with Chase, then you don't get treated as well as if you did. If you don't live in New York, you don't get treated as well.

If you go the supervisor route know this- Chase employees cannot hang up on you, not the ones in the US anyway. There are two levels of supervisor above the first supervisor you talk to. If you ask to be escalated past the first supervisor- they will try to get you to hang up and write to an address in Delaware. I have NEVER heard of anyone getting anything out of the correspondence address.

Now when I say that they can't hang up on you, that doesn't mean it doesn't happen. If you get loud, they will put you on hold, or the favorite trick of speaking calmly to you and hanging up in the middle of a sentence so it seems like you were cut off. I know you shouldn't have to be especially nice, but it doesn't hurt. These people can be more helpful when they want to be.