I still think the benefits on this card are in flux and personalized. I remember mentioning my buddy, who is one of those 30m with jp Morgan guys, was getting his ua lounge visits paid for and then offered an ua lounge membership back in march. Several of you tried to confirm and got no where. Fast forward a couple of months and it seems to be more of policy to do so and then not so much.
JPMorgan Palladium Card
Started by
Cone
, Sep 28 2011 01:02 PM
1103 replies to this topic
#826
Posted 31 May 2012 - 02:31 AM
#827
Posted 31 May 2012 - 08:25 AM
I still think the benefits on this card are in flux and personalized. I remember mentioning my buddy, who is one of those 30m with jp Morgan guys, was getting his ua lounge visits paid for and then offered an ua lounge membership back in march. Several of you tried to confirm and got no where. Fast forward a couple of months and it seems to be more of policy to do so and then not so much.
Your 100% correct. They gave me Delta Sky Club membership per my request due to my extensive traveling on Delta. I would like to see a better hotel alliance. Chase is partners with Marriott/Ritz/Hyatt and as of yet no benefits are being extended at those properties. The GHA Black Level has got me very nice upgrades and when they haven't been able to I've received from free breakfast to free stays. The downer is there are not many Omni properties to chose from and as such they are typically much more expensive them hilton, marriott, starwood. Although I haven't asked.
On another note you really need to call and ask because you never know who they know. On a whim I called them up and told them I was staying at Caesars Palace in Vegas and apparently they had enough juice with them to have my room upgraded and have 7 Stars/Diamond checkin (VIP) which was awesome.
By the way, the purchase protection program really sucks. I purchased a small camera which was left behind at a starbucks and called Palladium who told me it is definitely covered and that i had nothing to fear. I later get a call from some third party insurance company who took my information and said they will process it. Two weeks later I received a letter indicating that I needed to send a copy of a police report that had to be filed within 72 hours from the date of incident. Lame. When i first called it was not needed. Amex's program really puts this to shame. I dropped and totally killed a brand new iPad 3. When online filed a claim and the next day I had a statement credit for the entire purchase amount. No phone calls, No paperwork, No questions asked.
So the lesson learned here is to keep all large purchases on Amex. I usually just use my PD card for travel related expenses and service type purchases.
Edited by formertechie, 31 May 2012 - 08:26 AM.
#828
Posted 31 May 2012 - 10:41 AM
I've had really good experiences with the price protection on the card. I've bought several items, and have been able to take advantage of a lower internet pricing. Two of them have been around a $50 difference, I've got one pending for over $150 price difference. But I've got to say, this is a great benefit, and I'm definitely using the palladium card for electronics where prices can drop rapidly.
#829
Posted 31 May 2012 - 12:21 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
#830
Posted 01 June 2012 - 09:08 AM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
#831
Posted 01 June 2012 - 02:36 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
Hmm maybe I should inquire further about this.
#832
Posted 01 June 2012 - 02:42 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
How did you pull this off? Why would they refund you not going to a concert? This could come in handy if they will refund just for the heck of it.
#833
Posted 01 June 2012 - 02:43 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
Hedge, if you don't mind to shoot me a message, I've got a few benefits to add to your list.
#834
Posted 01 June 2012 - 02:45 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
How did you pull this off? Why would they refund you not going to a concert? This could come in handy if they will refund just for the heck of it.
It is a listed benefit in the packet of stuff that arrives with the card. If I remember, there are only certain instances that they will take them tickets back.
#835
Posted 01 June 2012 - 02:51 PM
I have the book here. Do you know what page/section?
#836
Posted 01 June 2012 - 03:05 PM
I have the book here. Do you know what page/section?
edited to include benefits
Maximum of:
$500 per event ticket
$2000 per event
$4000 annual benefit cap
Covered events:
1. Sickness, injury or death of ticket holder or family member
2. ticket holder involved directly in traffic accident while en route to event (via police report)
3. public trans (air, train, bus, subway) delayed due to strike, industrial action, breakdown or adverse weather
Not covered (besides refundable tickets, etc...):
tickets no printed on paper (IE no wrist bands, buttons)
tickets that do not include name, date, time, and price
purchased for resale, professional or commercial use
events outside US or Canada
Edited by bbrook19, 01 June 2012 - 03:34 PM.
#837
Posted 01 June 2012 - 05:56 PM
Weird. I had a really good experience with their purchase protection (called late nite on weekend and people were there). Lost my wallet and luckily the wallet itself was covered. Did the claim forms and credit showed up a week or so later. Can't remember how this compares to AMEX as been a long time since I did any claim, but I do seem to remember AMEX being a little bit easier.
me too. I also received a refund for a concert I could not attend (one of the perks; buy tickets with Pd and something happens, you get refunded) and free tickets to a different concert.
How did you pull this off? Why would they refund you not going to a concert? This could come in handy if they will refund just for the heck of it.
I didn't pull anything off. this is a stated benefit of the card; buy tickets for a show or concert and you can't make it you get refunded.
#838
Posted 01 June 2012 - 06:24 PM
That's pretty sweet. Do you know of any other cards that do this?
#839
Posted 01 June 2012 - 06:25 PM
not off hand but I imagine there are others.That's pretty sweet. Do you know of any other cards that do this?
#840
Posted 01 June 2012 - 11:48 PM
First I would like to thank you guys as I have learned quite a bit silently lurking here and on FT, I recently took the plunge and am moving my personal and business spend to Chase from AMEX. I applied for and was approved for both the Bold and the Palladium.
I wanted to take a moment to share my experience in the event it is helpful for someone else.
Background - Long file, near 800 credit score according to CreditSecure, Before these apps I had 2 AMEX personal and 1 AMEX biz card, and the Chase Hyatt card.
BOLD - Applied online, called the automated status the next day and it said I would be notified in writing so I called the business recon number and after a few questions I was approved, once I mentioned I was moving from AMEX to Chase and intended to cancel my business platinum card they seemed to really want to help me any way they could.
Palladium - Faxed in the application, and got a call the next day, they referenced my Bold application I was just approved for and my Hyatt card and again I told them I was moving from AMEX. The rep was very nice and asked if x credit line was sufficient, it was and I told her so. She approved me and said I would get the card in 3 business days.
Both times with the reps I got the impression if I wanted more credit they would have given it to me, but what they offered was more than enough for me, so I didn't see much benefit in pushing the envelope,
Overall I have been very impressed with Chase as compared to AMEX platinum customer service. A real person picks up the phone, I can understand them, and they seem to want to work with you if you need it. I intend to move most of my spend over to them and just keep one AMEX active to preserve my member date and hopefully start the clock over for future sign up bonuses on the cards I cancel if I ever move back to them.
I did ask the palladium rep about the difference between the card for JPM private bank clients and non bank clients, she said as far as she knew the only difference was that she didn't have to do a credit determination on private bank clients, she could issue them a credit line for up to 80% of their liquid assets with the bank. I thought this might be an interesting data point in case there were any billionaires with bad credit here crying themselves to sleep every night.
I wanted to take a moment to share my experience in the event it is helpful for someone else.
Background - Long file, near 800 credit score according to CreditSecure, Before these apps I had 2 AMEX personal and 1 AMEX biz card, and the Chase Hyatt card.
BOLD - Applied online, called the automated status the next day and it said I would be notified in writing so I called the business recon number and after a few questions I was approved, once I mentioned I was moving from AMEX to Chase and intended to cancel my business platinum card they seemed to really want to help me any way they could.
Palladium - Faxed in the application, and got a call the next day, they referenced my Bold application I was just approved for and my Hyatt card and again I told them I was moving from AMEX. The rep was very nice and asked if x credit line was sufficient, it was and I told her so. She approved me and said I would get the card in 3 business days.
Both times with the reps I got the impression if I wanted more credit they would have given it to me, but what they offered was more than enough for me, so I didn't see much benefit in pushing the envelope,
Overall I have been very impressed with Chase as compared to AMEX platinum customer service. A real person picks up the phone, I can understand them, and they seem to want to work with you if you need it. I intend to move most of my spend over to them and just keep one AMEX active to preserve my member date and hopefully start the clock over for future sign up bonuses on the cards I cancel if I ever move back to them.
I did ask the palladium rep about the difference between the card for JPM private bank clients and non bank clients, she said as far as she knew the only difference was that she didn't have to do a credit determination on private bank clients, she could issue them a credit line for up to 80% of their liquid assets with the bank. I thought this might be an interesting data point in case there were any billionaires with bad credit here crying themselves to sleep every night.
#841
Posted 04 June 2012 - 12:48 PM
Just an update as I am in London right now. This card appears to be a real treat here as it does have the pinless chip and everywhere I've gone seems to prefer chip cards over magnetic strip cards. All of the purchases made are posted under pending charges in USD which makes it really easy to know what my daily spend is like.
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
#842
Posted 04 June 2012 - 01:17 PM
I can confirm some differences in listed benefits amounts allowed between my card and my buddies palladium card, who is one of those 10m original palladium holders. No idea if this is result of different levels or just a function of when he got the card as it got it when it first came out. Also, he was the one getting free united lounge pass after having his lounge visits paid for at least a few months before anyone else here got it and we're jp getting rejected when asking for it.
#843
Posted 04 June 2012 - 01:18 PM
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
Is this showing up as a purchase, or a cash advance (where the interest rate will start the day you withdraw money)?
#844
Posted 04 June 2012 - 01:47 PM
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
Is this showing up as a purchase, or a cash advance (where the interest rate will start the day you withdraw money)?
I believe as a purchase because my separate cash advance credit limit has not moved while my available credit has.
#845
Posted 04 June 2012 - 02:52 PM
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
Is this showing up as a purchase, or a cash advance (where the interest rate will start the day you withdraw money)?
I believe as a purchase because my separate cash advance credit limit has not moved while my available credit has.
Wow, that's awesome... Can you keep an eye on it? I'm going to be traveling soon, and this would be an amazing benefit if not counting as a cash advance.
#846
Posted 04 June 2012 - 03:11 PM
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
Is this showing up as a purchase, or a cash advance (where the interest rate will start the day you withdraw money)?
I believe as a purchase because my separate cash advance credit limit has not moved while my available credit has.
Wow, that's awesome... Can you keep an eye on it? I'm going to be traveling soon, and this would be an amazing benefit if not counting as a cash advance.
another sub rosa perk outed
say hello to the queen for me.
#847
Posted 04 June 2012 - 04:01 PM
here is what Palladium customer service can do...with no hard pull...increased from original 15K
#848
Posted 04 June 2012 - 05:41 PM
Link isn't working. How much was the CLI?here is what Palladium customer service can do...with no hard pull...increased from original 15K
#849
Posted 04 June 2012 - 05:55 PM
But here is the best feature of all. Instead of buying pounds (for carrying cash) from the exchangers which charge hefty fees I have went to an RBS atm and used my PD card with pin to pull out 100 pounds. Chase did not charge me a converting fee and the only fee I paid was an ATM fee which wasn't that much (about $2 usd),
Is this showing up as a purchase, or a cash advance (where the interest rate will start the day you withdraw money)?
I believe as a purchase because my separate cash advance credit limit has not moved while my available credit has.
Wow, that's awesome... Can you keep an eye on it? I'm going to be traveling soon, and this would be an amazing benefit if not counting as a cash advance.
another sub rosa perk outed
That appears to be the case. I won't know for sure until the transaction post which will probably be sometime tomorrow. Yes, I am here for the Diamond Jubilee and will be leaving on Wednesday morning for Amsterdam.
#850
Posted 04 June 2012 - 05:56 PM
here is what Palladium customer service can do...with no hard pull...increased from original 15K
How did you go about and get a CLI. I am almost at my damn limit again and with the pound price being as high as it is I think I do need a CLI. My current statement doesn't close until the 7th and my payment isn't due until July 3rd.
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