Chase credit cards closed with balances

Hi everyone,

long story short chase closed two accounts of mine due to returned payments about two months apart with balances listed below:
(freedom: $650)

(Chase prime: $3,500)

when I called chase costumer service to see how long i had before it got sent to collections both representatives basically said " don't worry about it as long as you keep making the monthly minimum payments you're fine!" which feels sketchy to me any clarification on something like this would be appreciated

Thanks,