I work for chase, Customer's are divided into 3 categories. This has nothing to do with how long you have been a customer, or how on time you are with your payments. That means nothing to chase or the employees... I know because thats what they tell me when a customer calls in with a bad story and they have been with us for 30 years, my boss always says " I dont care if they have been with us for 1 year, the answer is no because they dont spend enough for us to help them".
There are 3 types of customers at Chase.
Best - Customer spends more than $15, 000 in finance charges a year, or used their card and pays off balance of around $10, 000 per month (chase gets a small fee for every transaction from the merchant, so even if you dont pay finance charges, the purchases alone add up and chase gets paid that way, but you gotta spend alot!) These customers always gets a late fee removed, Over limit fee or pay by phone fee removed when asked.
Valuable customer - Person that makes around 80-100 grand per year, has about 10-30 grand charged on the card, and pays the min payments every month on time. They get a fee waiver once every 6 months
In-eligible Customer - 80% of Chase's customer base. These customers are your average money making families or people that are retired and living on Social security.These are Customer's that dont charge much on their card and pays it off in full every month to avoid finance charges, or has a couple thousand charged and have a low apr. These customers are not profitable, and therefore do not qualify for any fee removals. Non, Nada, zip. Also delinquent customers or customers that are at high risk (chase does credit checks every 6 months on their customers) And if you ask for the supervisor, They tell you one is not available to speak with and that you have to write in to the correspondence address. Chase use to offer to close your account if you call in for a fee removal, but they stopped doing that. Now its just no.