Requesting an Increased Cash Advance Limit from Chase for Online Serve Reloads
I’m sure most of you are sick of hearing about Serve and their “cash advance fees” on Chase cards, but I promise this will be the last post about this issue. Last Thursday/Friday, Serve or Chase started processing online Serve reloads slightly differently than before (link). As it turned out, no cash advance fees ever posted, but the online Serve reload would decrease your cash advance available balance (link).
If you tried to use a Chase credit card with a cash advance limit smaller than your online load amount or a Chase Ink Bold business Charge Card, your online Serve reload would fail and you would get this error message.
To resolve the issue, I sent a secure message to Chase asking them to increase my cash advance limit to $500. Unfortunately, Chase was unable to do so over Secure Message (one of only a few things that they cannot do, apparently).
My next idea was to call Chase and have them manually increase my cash advance limit on my Chase Freedom from $0 to something around $500. I never said why I wanted to increase my cash advance limit and he never asked.
Toward the end of the call, the representative was able to increase my cash advance limit to $1,300, which represents 20% of my $6,500 total credit limit on my Chase Freedom.
I attempted another online Serve reload and this time the transaction went through. The $200 pending charge showed up in my Chase Freedom online account right away.
Looking at the available cash advance limit, the available balance decreased by $200.
There are multiple reports that online Serve reloads still post as purchases, regardless of what the cash advance balance/limit says. I tested the charges on my parents’ Serve cards (my Guinea Pigs) and all the online Serve reloads posted as purchases.
For completeness, the Chase Ink Plus Business Credit Card does have a cash advance limit, so it should work with online Serve reloads.
Unfortunately the Chase Ink Bold Business Charge Card does not have a cash advance limit (since it is a charge card), therefore it will no longer work with online Serve reloads.
Update: apparently some Chase Ink Bold Business Charge Cards are still working with online Serve reloads (thanks Helix!)
If you have any questions, please leave a comment below. Have a great day everyone!