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Customer Review
Reviewed in the United States on May 19, 2024
I personally have the Prime VISA secured card through Synchrony. Love it. I don’t have a lot of credit and what I do isn’t exactly perfect (I’m disabled, a mom, and on an extremely low fixed income). My card…I love it.
My dad, however, had the card issued by Chase. He asked me to order some things for him since I have Prime and he doesn’t. He needed a heated throw and some other items for himself and his brother whom he was providing and of life care for. The transactions went through fine, and there was no issue. However, when it came time for my my Audible to renew, I didn’t have the funds in my account but would in a few days. I thought nothing of it. I live with my father, and he came knocking, asking me if I had bought anything on his card. No. Audible? Yes, I have a subscription but… Yes, it rolled over to the next card on file until it hit one with an available balance. The thing is, though, my father had his card turned off. Locked via the Chase app. And it processed a transaction from an account not his own, on a charge where that card number was never put as a payment method, etc. I had left it on my account because he had asked me to order things occasionally from Amazon for him because at times I could get it faster, or a coupon was available for me but not him, or because he just didn’t have time to seek out what was needed due to caring for my uncle…and because my father ALWAYS locks his cards when not in use. All I needed was his name & address, and an Amazon account, and any subscriptions I had/have would bill on his card whether it was on or off, unlocked or locked. Of course, it was an accident, and there was no issue between myself and my dad. However, he had a rather large credit line on the card and immediately closed the account (which was like pulling teeth bc no one seemed to know how to close the account, & he went through 5+ people before he could get the account closed). And, if I’m not mistaken, one or two of the orders I placed for him on the card also billed before he had a chance to turn the card on for them to process.
While I would love the higher percentage of cash back earned with the Chase card and the lack of an upfront investment required for the secured card… I think I’ll stick with my secured card until Chase can better their security. They even told my dad that they would reverse the charge so that it would bill to my account again, but they didn’t. He ended up paying for my Audible subscription for 1 month. I felt terrible about it, but he thanked me because what if it would’ve been anyone else who got their hands on his card #? Because finding someone’s address is super easy on the internet.
My dad, however, had the card issued by Chase. He asked me to order some things for him since I have Prime and he doesn’t. He needed a heated throw and some other items for himself and his brother whom he was providing and of life care for. The transactions went through fine, and there was no issue. However, when it came time for my my Audible to renew, I didn’t have the funds in my account but would in a few days. I thought nothing of it. I live with my father, and he came knocking, asking me if I had bought anything on his card. No. Audible? Yes, I have a subscription but… Yes, it rolled over to the next card on file until it hit one with an available balance. The thing is, though, my father had his card turned off. Locked via the Chase app. And it processed a transaction from an account not his own, on a charge where that card number was never put as a payment method, etc. I had left it on my account because he had asked me to order things occasionally from Amazon for him because at times I could get it faster, or a coupon was available for me but not him, or because he just didn’t have time to seek out what was needed due to caring for my uncle…and because my father ALWAYS locks his cards when not in use. All I needed was his name & address, and an Amazon account, and any subscriptions I had/have would bill on his card whether it was on or off, unlocked or locked. Of course, it was an accident, and there was no issue between myself and my dad. However, he had a rather large credit line on the card and immediately closed the account (which was like pulling teeth bc no one seemed to know how to close the account, & he went through 5+ people before he could get the account closed). And, if I’m not mistaken, one or two of the orders I placed for him on the card also billed before he had a chance to turn the card on for them to process.
While I would love the higher percentage of cash back earned with the Chase card and the lack of an upfront investment required for the secured card… I think I’ll stick with my secured card until Chase can better their security. They even told my dad that they would reverse the charge so that it would bill to my account again, but they didn’t. He ended up paying for my Audible subscription for 1 month. I felt terrible about it, but he thanked me because what if it would’ve been anyone else who got their hands on his card #? Because finding someone’s address is super easy on the internet.
