Chase Credit Cards Reviews

Below you will find an email sent to me on Sept. 10th. This promotion started on July 1-Sept 30. They never sent an email earlier before promotion for me to activate. What good is a promotion is you don't receive info. I used another card during that time and started using the Chase card after I activated mid Sept. So instead of getting 3 months at 9% I am only receiving 20 days. Complaint was filed and case was closed. No resolution on my side at all. Very disappointed!!! The ball was dropped!

I had the Chase Sapphire Business Premier credit card for a year and used it regularly. My business has also been using other Chase cards for several years and have always been in good standing. When my card anniversary came on August 1 2026, I was charged a $795 annual card fee as expected. Days later on August 5 2026, without any warning, my account was closed by Chase I didn't even know why. My account was always in good standing, I had never missed or been late with any payment. I found out weeks later that they were blaming on me having a high credit limit and they couldn't verify my business. They pointed to a state license that had lapsed due to a clerical error with my accountant as the reasoning. I had the clerical error fixed the same day I learned it was there, had they informed me I would have had it immediately corrected.

Chase’s credit card process is completely unacceptable. We received a decline letter claiming “fraudulent activity” and “possible identity theft,” which is a serious accusation. When we called to understand what happened, Chase couldn’t (or wouldn’t) tell us what the issue was. Instead, we were told there is a 30‑day “cooling‑off period” and that we could simply reapply then.

For several years, my spouse and I have maintained a joint account with Chase United credit cards. My spouse was the primary account holder and I was an authorized user. We enjoyed the years of collecting the shared mileage points. We also used Quickbooks to manage our finances. For years, as the authorized user, I was able to log into my own Chase account, and while I could not see all of my wife's transactions, I could see my own, and I could see the balance. With that access, I could keep our QuickBooks up to date. Recently Chase has changed their policy.

I have had the worst time w amazon and Chase. Ordered 3 items, 2 delivered to wrong address. Spent 15 calls bit and Philippines, Bangladesh etc and no way to talk to American location. I won't ever use Amazon again and will payoff and close my visa tomorrow. Customer service doesn't exist w either co.. I'd like to be contacted by escalation dept from both companies. But they won't call or contact. 1 customer, means nothing to the Giant companies.

Horrible customer service -- impossible to actually access any of the benefits they supposedly offer. I've had a chase Sapphire card for over 10 years and have never been able to redeem points without an issue. Let alone talk to support - get ready to wait hours, be suddenly disconnected, hung up on, etc.

If I could give this Zero stars I would! I have tried to apply for a card. Have excellent credit, however I flagged my accounts due to a previous breach. I understand checking with me, but calling me and asking me for my social - NO WAY! Also, given the high amount of fraud, having an entire team that serves the US and doesn't speak English as their first language is at the least disconcerting. That is of course if you can find the right number to call and get through to a real person that handles applications! Don't waste your time - I'm sorry I did!

I APPLIED FOR A United Airlines Credit Card. I received a reply in the mail asking for a TIN number. I'm a American citizen with a 800-850 FICO score and over 2 million in assets. I have never needed or asked or requested a TIN number. I feel this request is arbitrary and discriminatory on its face value! I will file a complaint with the appropriate state and federal agencies. I do not need your services or racial profiling. Also I will contact civil rights organization about your business practices.

What does Chase expect? That I should spend money I don't have with wild abandon like the government does? I guess it is true, banks HATE customers that do not max out their cards and then continually make late payments! Well I say **!

I would consider Chase to be a good card.. However recently a company billed me with a recurring charge for a service I did not order and chase refused to remove it. Because it was recurring my only solution to protect myself was to cancel the account.

Worst customer service. Credit card payments IN CASH at the ATM take 2-3 days to post. Even when they are reflected in my "available balance" my card gets declined. This bank is too big to fail and too big to give a s**t about customer service.

I’ve been a Chase Sapphire Visa customer for more than 10 years and, until now, had generally been satisfied. Unfortunately, my recent experience with a disputed hotel reservation has been extremely disappointing. The dispute involved more than $460 for a reservation booked through Orbitz. We provided documentation and records of phone calls showing why a credit was warranted. The hotel had agreed to an $80 rescheduling penalty, and I had proof that I paid for the replacement reservation separately through Orbitz.

They reopened a new card under my old name and will not update my name. Agents tell me to go into a physical branch and get my name changed, and the physical branches tell me they won't do anything for this card. They based the ridiculously high APR they gave me on my old account with them that at the time I was not as good about making payments on so had to close it, but did pay the whole thing off in the long run. Well, I made the mistake of turning auto-pay off because I didn't want it taken directly out of my account, then forgot to make the payment. I didn't get a notification or warning until they hit me with a late charge though.

Let me Tell you a good one. This just happen today 5/8/26. I am in Thailand & My Chase United Cards are to Expire 8/26/2026. So, Chase sent me an Email letting me know my new cards were on their way....I receive My Thai Wife User card on the Account at the Condo We stay. I wait 4 days & my card never should up so I call about my card. I talk to the First Customer Service Person He was telling me we would give it a little time he was looking at my account it was normal & After I got off the Phone, I knew what he was telling me did not sound right . So, I called back the second Person Just really did not care. I requested She -Them-Her to let me speak to the Fraud Dept & I was Transferred to another Girl... Now after all this.

If you’re looking to get a credit card, I would avoid getting Chase. Because of something happens in your life like getting part of your foot amputated to where you can’t work or pay your bills. Chase will absolutely not work with you. They don’t care about your problems. All they want is their money.

While I was happy with the payment plan for paying back my closed account due to financial hardships, these people are incompetent in RECEIVING payments. Even when I have more than enough in my bank account for payment, the charge bounces back and shows up as unpaid. I for the life of me cannot understand that. I have to call them every flipping month to correct the error and pay manually because it bounces back when I pay in the app as well. This is just totally absurd. I'm paying. Why the flying flip do you not want my money?

Terrible. They take a long time to post your transactions and when you make a payment, you think your bill goes down but it actually goes up!!! I made a purchase for $3 and they didn't post my transaction until the day after I paid off the $610.53 from my credit and balance. Petty as hell. I'm looking for another bank. They are horrible. The customer service representative told me to cut the card up after closing the account and I did exactly that. I've been with Chase since 2009. High interest rates as well. I had to take a loan out to pay the balance off so I'm still in poop water. Time to leave. Disgusting.

I had perfect credit before I open an account with Chase. After using my Chase card for a few years, I had of $6000 balance. I decided to pay it off in full, so I logged into the website and I submitted a payment for the amount that I owe the entire amount. The system said you already have automatic payment in place and if you keep that then you’ll be making two payments. Why would I want to make two payments if I’m paying it off? So it forced me to turn off automatic payments. I paid off the account and moved on with my life. Didn’t hear another thing for two months.

If I could put zero stars I would. My boyfriend was able to add me as a pre authorized user with just my name and address (which means any random stranger could also) and his balance goes directly onto my credit report. Yet when I called to take MYSELF off as a pre authorized user I needed to have all of his information including his social security number. So any random stranger can add you and effect your credit score but you are not authorized to take yourself off. NOT OKAY. Completely unethical, unsafe and just plain WRONG.

It's ridiculous that when I call Chase customer service with a charge that has a label/name that I don't recognize they are incapable of telling me anything about the charge and their only recommended course of action is to cancel the card which is very inconvenient. I have been paying $3.00 every month to someone called Master Telecom Corp Bensenville IL and all they can tell me is it's a car rental - but I am not renting any cars. So my choices are to cancel the card which is very inconvenient or keep paying the $3.00 payment to some scammer every month. I guess that's the cost of doing business with Chase.

I am extremely disappointed with my experience with Chase Credit Cards. After being a loyal customer for more than 10 years, my credit card was unexpectedly closed without any notice that I ever received. I only discovered the account had been closed when I was preparing to open a business account with Chase and noticed one of my accounts was missing.

They fail to take care of their customers. They allowed or perpetrated fraud. Then fail to make it 100% correct for the victim (their customer).

My business had an employee’s email hacked earlier this year. The hacker copied and sent our bookkeeper an invoice exactly matching an invoice that we owed to a vendor. The hacker included a link allowing the bookkeeper to pay by credit card. She paid the bill, thinking she was paying the vendor, but the funds we taken by the hacker and our invoice was left unpaid. My bookkeeper actually broke up the payments onto 3 different credit cards, one from Chase, one from Capital One and one from Amex. The same day that the transaction were processed she realized that the money did not go to the intended recipient, so she reported it to all 3 banks.

Chase credit card call center Reps sucks. The call center Reps has a language barrier. I’ve called Chase several times and never gotten anything resolved because the Reps on the phone try to resolve your issues without understanding what you are trying to say, which is very frustrating!

Chase is the only cards I have that decrease my limit. Despite the fact I have always paid more than the minimum and always on time. To top it off they don't warn me and their app doesn't show it on the front (it's a few clicks away).

I had the WORST experience with getting a Chase Credit Card. I was on the United Airlines website purchasing airline tickets. When I got to the checkout it gave me my total along with a promotion that stated I would get $400 off my first purchase when I applied for the United Explorer Card. I applied and it said I was approved. I even received the photo I attached below stating that I qualified for $400 AFTER FIRST PURCHASE!! However when I got the card and checked my account, I had been given a different offer. I would receive 70,000 bonus miles after I spent $3,000 in the first three months of having my card. I called customer service and explained what happened and I was told they could put in a request to have the offers switched out.

HATE HATE HATE THIS CARD! When I go to log into my online account it tries to send the conformation to a number I have never seen before. I have talked to 5 different people and now have to apparently visit a branch to delete the entire account and start over. Then I try and get $30worth of gas decline decline decline. I have never had such trouble with a card and I have multiple. I wish I never got this card I hate dealing with these people and they make things so difficult.

Liars and manipulators. Do not rent a car and refuse the insurance option. Chase claims that they cover your vehicle, but they don't. This is a deceiving tactic to get you to charge Chase card so that you spend the most. I filed a claim for a cracked windshield. They kept on email me and despite I sent all the documents, they never acknowledged my claim and close it. I will be ready to cancel my card very soon.

Horrible experience with Chase card customer service. Had to make numerous phone calls per day for numerous days trying to get my elderly mother with dementia's auto pay account updated after she had dealt with a scammer and had to freeze bank account and open a new account. I had my mother give them permission, as a matter of fact plead with them to help me take care of her business numerous times but was instructed differently each time I spoke with a customer service rep and followed instructions, attempting to give them what they asked for, how they asked for it but with no success.

Horrible customer service and they charge a lot of fees for every little thing! Go to another credit card company where there’s better customer service. There are better companies out there. Capital one or Bank of America!

Chase Southwest credit card services SUCK! If I can give them a -000000, I would. Every time I use this card since I have gotten it, it's been a headache to deal with. The first time I used the card, I paid the balance within a few days but the available credit never posted and then was taken away. $0 balance due, $0 credit available for a week. I kept thinking why does it take so long for the credit availability to post when payment has been made and the money gone from my bank account?

Someone used my Chase prime credit card for Netflix. We do not use Netflix. I called explain and they sent me a new card and would investigate. Next month I check my bill and stated that I owe $240.63 for Netflix since I was double credited by them and Netflix which I was not. It was not my problem since someone else is fraudulently used my card. I have other credit cards and no issues. Chase is the first one to do this to us. I canceled my cards. I am telling everyone not to use Chase credit cards.

I have had a Chase card for business and personal reasons probably for over 40 years. I've had other credit cards in the past, but Chase has absolutely been my number one credit card of choice. They have been exceptional for their customer service, anytime I had a problem, the personnel I dealt with was extremely professional and in a very short amount of time resolving my problem in a fair and equitable manner. I would highly recommend Chase for anyone looking for a new credit card or other Chase financial services. Several years ago, I was in New York City on a business trip and lost my wallet with my credit cards, my cash and all of my ID. I contacted Chase customer service. They arranged for a hotel for me to check into my flight back home and got me a new credit card delivered to my hotel the next day. What could've been a disaster was a delight. I will never forget what they did for me on that cold night in New York City.

They didn't even bother to read the carefully documented information I provided to support my case for a chargeback dispute, and they sided against me, giving a reason that completely contradicted the facts given.

The short version: Every time I had to call this company it was a different answer. After telling me they would pause charges for two months I was still charged. The next supervisor I spoke to guaranteed it would not be charged the next time. It was charged. I called again and was told more lies. Each time I implored them to listen to the recording of our phone call, or to read the notes of the last time I called, and all I was given was sorry this happened to you. It must be easy read a script when you aren't the one figuring out how to feed your children.

If I could give a -5 star review I would. I applied for the Freedom credit card. Not only my credit score went down but it was declined because they thought it was identity theft wtf I applied with Credit Karmas app and got no notice or anything to confirm that I indeed wanted this card. I’m never applying with Chase. Horrible!

I have had 2 credit cards with Chase for more than 10 years. About 6 months ago, I tried to log in to my online account, and a message came up that I needed to call in due to suspicious activity. I called, they verified my identity, and I got back into my account. The same thing happened the following month, and again the following month. This time, when I called the number, after talking to 4 different people, I was told the account had to be reviewed by the back office, and someone would call me within 3 days. After not hearing from anyone for 2 weeks, I called again. Once again, after being transferred several times, I was told the same thing. 3 months later and still the same exact thing. Not only can I not get into my online account, when I called to make a payment over the phone and requested mailed statements, they were only able to take payment for 1 of my chase accounts. They said the other account was locked and they couldn't do anything.

I recently ran into an issue that I was unable to pay off my cards due financial hardship. So I joined a debt relief program and Chase will not work with them. They made offers but refuse to lower the amount I owe they rather try to sue me. Chase is the worse bank/credit card company in the world. They are rude, inconsiderate, will not work with anyone. I cannot believe a judge would allow a creditor levy my bank and my pension just because they refuse to take my offer I made. If you have this credit card get rid of it asap.

Signed up for a Chase Flex and Freedom Unlimited Card. Activated both, they do not let me charge anything on my FLEX account - MAJOR ISSUES! I have 850 credit score, no debt, and they continually cancel my charges. I decided to cancel them, they are not worth the hassle. Tried to resolve with Chase - they pointed the finger, typical!

I’ve been with Chase for over 20 years with all my personal accounts and credit card services including Marriott I through Chase. They sent me referral links to send to friends and family to get 40,000 points if they get approved. I did that, I sent the link to my son-in-law and for some reason, they’re telling me he didn’t use the link to get the referral. I explained to him that I sent them the link as I was told to. They did not award me the referral so I called Customer Service, and they said the proper procedure was not followed so they denied my 40,000 points. I called and talked to two different people. Finally, I got to a manager, and they said since the main team denied the approval, they cannot overturn. I asked them to "put on your human being hat on and use your common sense as a manager to see that the information I’m giving you is correct to give me the 40,000 points." They said that not possible.