Consumer complaint received 2024-07-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (IL)

I have an Amazon Prime account that already has one Amazon Prime Visa credit card ( issued by Chase ) on it, which is held by my father- who is the other adult on the Amazon account ( Amazon `` household '' accounts let you have up to two adults registered on it. My father and I are the two adults ). 

On XX/XX/24, I was researching whether I would be able to apply for my own Amazon Prime Visa credit card and still receive the 5 % cash back, since my father already has his credit card earning 5 %. According to other non-Amazon sites ( such as XXXX ), multiple users indicated this was possible- though Amazon 's website itself never provided a crystal clear answer. 

Not wanting to rely on non-Amazon sources, I reached out to Amazon directly ( via a chat agent ) and asked about this specific situation. As can be seen in the attached screenshot, I was told in no uncertain terms that both cards will be able to earn 5 % cash back. After being assured of that, I applied for the credit card. To be clear, I would not have applied for the credit card if I was not provided this assurance, as I have no need for a 3 % cash back card as I already earn 3 % cash back on Amazon purchases from my XXXXXXXX XXXX XXXX XXXX XXXX 

Upon being approved for my Prime Visa, I went to the check-out page to confirm I would still earn 5 % on both cards. To my surprise, one of the cards was downgraded to the 3 % level. This is deceptive. 

It is worth noting as well that at no point during the application process was it disclosed that either 1 ) the card I was applying for would be ineligible for the 5 % cash back due to my father 's existing card, or 2 ) that I would be making my father 's existing card ineligible for the 5 % if my application was approved. For instance, on their Apply Now page, it stated that my account already had a Prime Visa on it, though still invited me to apply if I wasn't the cardholder being referred to. Underneath the invitation to apply were all the benefits of becoming a cardholder, such as " Earn unlimited 5 % back on your Amazon.com purchases with an eligible Prime membership* ''. This also gave me confidence that I would still earn 5 % back, as the page was still advertising 5 % despite already acknowledging that an active Prime Visa was already tied to the account. It is worth noting that next to the 5 % claim was an asterisk directing me to the " Offer Details '' tooltip. However, the Offer Details page also did not disclose any limitations on the number of Prime Visas that can be on any one account for the 5 % to be obtained, nor did it define an " eligible Prime membership '' as one that does not have any Prime Visas already tied to it.

Nevertheless, even if Amazon wants to try to defend such significant omissions from their deceptive disclosures ( as such om
issions make them deceptive ), they can not argue that I was misled by one of their representatives, which directly caused me to apply for a credit card I would not have applied for had such misrepresentation not occurred.