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Chase Credit Cards

Laurie of Williston, FL March 20, 2007

Laurie of Williston FL (03/20/07)
I had a late payment with Chase over a year ago so they raised my interest to 29.24%. This was killing me. In order to make the payment I had to charge more and the more I charged the larger my payment got till it was over 500 a month with as little as 140 going to the principal. Every month I made a payment I would call and ask if Chase would please lower my interest rate. The answer was always the same, you do not qualify.

I have great credit other then maxed out cards due to this bill. I finally could not deal any longer, I'm already working 2 jobs so I got a second mortgage. I paid Chase off but due to the 3 day recision in Florida on second mortgages my payment to Chase was a few days late. I got hit with a 39 late fee plus interest of A328.60. I now owe Chase 367.60. I once again called Chase and asked them to lower my interest and again they said I did no qualify. I asked for a supervisor and got Steve King who also said I did not qualify as I was late and over the limit. I was over the limit by 47.10. Well chase hit me with a 39 fee plus they owed me a refund of 11.99 & .61 that comes to 51.60 so due to their fees and not removing the credits first I'm over the limit in their view.

At this point I owe Chase only 367.60 which is all interest and they are going to charge me 29.24% interest on interest. I will fight this all the way to the top.

Stas of Phila, PA March 17, 2007

Stas of Phila, PA (03/17/07)
I recieve the PROMO OFFER on balance transfer checks that states: PROMOTIONAL RATE 1.99% fixed APR until your March 2007 statement opening.  Now, to me that means the rate will change from PROMO to Regular in March 2007, right ? Right?

Apperently there is some clever section in "member agreement" that says that all promotions expire one month PRIOR.  I was told that my rate, that was supose to be good until March, really ended on Feb 5th! 

I just paid extra 100 in interest fees to SUPER MEGA SCAMMER BANK = CHASE.

Desi of 4413 E Iowa, CA March 16, 2007

Desi of CA (03/16/07)

Chase sent me a low rate offer for a balance transfer. They charged me 75.00 as agreed and then before my first payment was due, they tacked on an ordinary interest charge that put me 20.00 over the limit. Once over the limit, they revoked the teaser interest rate. Now THAT is a dirty trick.

Alice of Lancaster, OH March 15, 2007

Alice of Lancaster OH (03/15/07)

Chase Bank repeatedly withheld payments to create late fees and over-limit fees and had the nerve to put the dates on the statements. Now I’m being sued.  I refuse to pay anything and my credit has been ruined.

Joy of Monroeville, PA March 14, 2007

Joy of Monroeville PA (03/14/07)

We received a promotion regarding a 3.82% balance transfer fee "to reduce that high interest rate you are paying elsewhere." We found out that if we did a balance transfer of 3,000 that we would pay a 3.82% interest rate and also a 90 fee for the transfer. When we received this month's bill, around 3600 including the balance transfer, we see that the minimum monthly payment would be 75. We found out that if we paid 800 to pay off our monthly expenses and 100 toward the 3,000 balance, that we would be charged 19.99% instead of the 3.82% as quoted via the phone to us.

They said that the 800 would be charged the 3.82 rate but the balance would be charged the 19.99 rate. Now that doesn't even make sense because we are paying the 800. So in fact, we are never paying a 3.82% at anytime!

When we called the company, the first supervisor hung up on us when we were trying to make our point. The second one was more helpful, but told us there is still nothing she could do. The third person we spoke to, an APR specialist said the best he could do was to lower our APR to 17.99%, and take the 90 fee off for the balance transaction. We still have to pay 19.99% on the balance transfer.

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