What Credit Card Is Jpmcb Card Services

The Story Backside the Contempo JPMCB Credit Monitoring Alerts

Last updated: February 12, 2022

If y'all have an army of credit cards (like I practise) and you use credit monitoring services (similar I do), in that location is a skilful chance that you've seen a avalanche of mysterious credit monitoring alerts over the past month.

For example, I got this alert from Credit Karma:

Co-ordinate to your TransUnion credit report, someone added yous every bit an authorized user for their JPMCB Bill of fare credit card.^ane

Accounts that you're an authorized user on can bear on your credit score just similar a normal account, so y'all'll want to make certain y'all trust the primary user of this card.

Cheque in today to see the details of this new account.

Hmm… that'southward odd. I had non, to my knowledge, been added as an authorized user on any credit card recently. So I put the alarm on my to-do listing to look into further, as whatever unexplained credit monitoring alarm is something that should be followed upwards on – especially in light of the massive Equifax hack. To brand things even more concerning, Mrs. 20SF got the exact same alarm on the exact aforementioned 24-hour interval.

Had we somehow had our identities hacked?

A few days later, I got a new "paid tradeline" alert from some other free credit monitoring service, Credit Sesame:

Y'all take a Paid Tradeline alert from TransUnion.

I noticed that this i besides mentioned a "JPMCB CARD". I surmised that "JPMCB" = JP Morgan Chase Bank. So, I decided that I should give Chase a call to meet if anyone had opened new cards in our names.

The Chase representative told me that we can ignore the alerts, as they were probable triggered by a contempo renaming from "Chase Banking company" to "JP Morgan Chase Banking company".

Finally, I started receiving revised user agreement emails from Chase that confirmed what we were told past the Chase representative, as the emails started out with the post-obit linguistic communication,

Notice: Your Cardmember Agreement and associated Rewards Program Agreement (if any) were assigned to JPMorgan Chase Bank, N.A., as successor past merger to Chase Banking company Usa, N.A., on 05/18/2019. Furthermore, offset 05/18/2019 all references to Chase Depository financial institution United states, Northward.A. in your Guide to Benefits and whatsoever additional account agreements and documents shall be read equally JPMorgan Hunt Bank, North.A.

Looking into both my Credit Karma and Credit Sesame account histories further, information technology appears that no new accounts were created with the Hunt proper name change (this is good – as new accounts issue in a "difficult credit inquiry", as opening or closing a credit card can impact your credit score), and all full business relationship histories for each menu are now displayed nether "JPMCB Carte Services", example beneath.

Putting everything together, my take on what happened is:

Chase officially renamed itself from "Hunt Banking company United states" to "JPMorgan Chase Banking company".
This renaming ready off false alarms and automated alerts with credit monitoring services like Credit Karma and Credit Sesame.
No new accounts were created, so there is no affect on your credit score.

Nothing to worry about.

I think this niggling saga – and a seemingly weekly update of still another hack – serve as important reminders that we should all be using free credit monitoring services that can alert us of suspicious action.

Too – if you lot experience like y'all take legitimately become a victim of identity theft, equally of 2018, costless credit freezes (and thaws) are now available to all Americans.

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