Chase Credit Cards Reviews

My Chase credit card payment jumped 100%. I was never late, always paid a little extra. Now, they want to raise my rate to 7.99% although I had a 4.99% for life. I called. Denise was professional but she didn't seem to care of my problem. She was coached very well on how to protect Chase.

I was offered a low interest rate to transfer my balances until it’s paid in full, low offer for the life of the loan. Now Chase raises my minimum payment from 2% to 5%. I have never missed any payment nor have bad credit. When you call to request if there is any option, they will gladly take make the minimum payment 2% only if I accepted a new rate of 7.9% until November 2011. This is Chase's way of getting out of the initial low rate they offer me, now forcing me into risk of defaulting, bait and switch tactic. I heard some people got help by calling Chase 877-890-2941. I have not gotten anyone on the line yet. Best of luck.

They tripled my minimum monthly payment on credit cards which I have been using like a second mortgage, 3% life long interest rate. I guess they think they will force me into default. They want to charge a fine, make more interest. They picked the wrong lady. So fine. I have cancelled my checking account, my business checking account, and will pay off their cards. No problem. I wish I could declare bankruptcy and stick it to them, but it seems immoral. Where are the teabaggers when you need them? Outrage over this will destroy Chase. No one will do business with them again. No matter what they offer. God knows they will never see a dime of my money again.

Will cut to the Chase here. I, like others on this blog, received the notice of a 2% to 5% increase in payment amount on a 2.99% offer. The net result was a payment increase of approximately $200 to $500. Notice given - one statement. Impact to monthly budget - disastrous. I have read the Chase agreement. Chase is within its right to change anything it wants anytime. Unfortunately, every bank card maintains the same legal rights as written in the fine print. Hence the suspect timing of this event with so many people at once just weeks before the deadline for credit card reform guidelines. So now that we all know Chase has legal grounds to do what it has done, one must ask the question how they did it.

I had a WaMu credit card with a limit of $15,000. I never missed a payment, was never late, always paid more than the minimum due, and paid it off last October. So in August '09 (several months after Chase absorbed WaMu), Chase decided to decrease the credit line from $15,000 to $3,800. The rep Jennifer (rude as she could be) on the phone said I can request a line of credit increase.

Chase continues to send me bills and harass me over a $37 they claim I owe them after I cancelled my card. They continue to insist that I pay the annual fee plus late charges based on non-payment of the annual fee. My account has been inactive since December '08, so I was surprised to get the bill for the annual fee. I called them and closed the account. To this day, Chase continues to call and harass me for the annual fee for something I do not use. Can you call the good folks at Chase and ask them to stop? Thanks. It’s just aggravating that this bank finds it necessary to bother me when they just about brought this entire country to its knees because of their lax lending practices and I, as a tax payer, have to bail them out. This is the thanks I get!

I have been hit hard by the economy but have been fortunate enough that I have been okay, that is, until I opened one of my Chase credit card bill today. A few years ago, I locked in at a low lifetime rate of 3.99% for part of my balance and the remainder is under a 4.99%. I have not been late or missed any credit card payments, Chase or others. It appears that Chase has now taken it upon themselves to punish the individuals who took advantage of this offer. My other Chase card does not have this low interest rate and was not affected.

I had a credit card with WaMu that got transferred to Chase. At this time, I was unemployed but my payment protection plan was making payments to my credit card account. Though my available credit was still nearly 50% of my credit limit, and the payments were being made on time, Chase just canceled it. They did it with the line at the bottom corner that reads "wamuclosure1". This seems to be targeting specific people even though the accounts were in good standing. Thanks to the cancellation, my payment protection was lost too. At this time, I cannot make those minimum payments and I was supposed to be covered for the next year or so in case I could not find a job. With this, Chase can now start using that excuse to raise my interest rates and are beginning to push me towards a possible bankruptcy.

My story is the same as many of the other 400+ people. I have two accounts. They tried to raise my interest rate on one and I closed that account and upped my minimum payment from 2 to 5%. I never missed one payment on either accounts and my credit rating is in the 700s. I called to find out what the alternatives were and I was told they can up my interest rate and would lower my payments back down to 2%! Talk about extortion! I was livid, not to mention the customer service rep's attitude was horrible! I hope no one forgets about what they have done in one, two, three years and boycotts Chase! I know I will never use them again.

After more than 19 years as a Chase credit card customer without a single late payment, Chase more than doubled my minimum monthly payment to $435. I am a senior citizen with very limited income and simply cannot afford that payment. When I called Chase, they offered no compromise or solution; I was merely told I must pay it and there was no opt-out. I later called Chase to cancel the account and wasn't even asked why. I was merely told if I wanted to reopen the account at a later date, I would have to reapply. Fat chance.

I have been a WaMu credit card holder since 2006, 3 years. I have never had a problem until they were bought out by Chase. In 3 years, I have never been late on a payment and never gone over my limit. Many creditors would consider this to be an ideal customer. Apparently, not Chase. Since they've taken over, my interest has increased by nearly 10% and my credit limit has been decreased. I still have never been late, never gone over my limit and always pay more than the minimum; not only on my Chase card but on every other loan in my name.

My Chase card bill's minimum payment went from 2% to 5% of the balance due. Like others who wrote, this is a hardship. These bankers are "snakes in the grass" for putting people who have excellent credit into a situation that may cause them to not to be able to pay the minimum due. I talked to a Chase phone rep and he admitted that my APR would increase if I pay less than the minimum. This makes me feel sick! Shame on Chase!

I am a loyal customer who has never missed a payment or been late with a payment. Out of the blue my minimum payment went from $334 to $823. Upon calling them, they were very rude and said that was the way that it was. They finally agreed to lower my monthly note again, if I was willing to allow them to double my interest rate. My payment isn't due until next week. At this point, I don't know what I am going to do as I don't have $823 for the note nor do I want to double my interest. I also don't want to ruin my credit. One thing is for sure, Chase has forever lost me as a customer!

I had a WaMu credit card that was taken over by Chase. No balance due and always paid on time. I just got a notice from Chase that they were reducing the credit line from $11,000 to $4,200. What gets me is the threatening tone, that if I have incurred charges over the $4,200 limit, I have 45 days to pay the difference or risk an APR increase and penalties. I have another balance transfer with them and they raised the minimum on that to an unaffordable amount. I had to transfer most of what I owed Chase to another card (resulting in another balance transfer fee). Why is Chase putting good customers' credit scores at risk? I can't wait to pay this off. I hate Chase and will never do business with them again.

Even though I opted out of the new terms related to my Chase credit card and closed the account, I was told you cannot opt out of the minimum balance increase. I have had my Chase card for over 10 years and never made a late payment. My credit is flawless. I also took advantage of the 4.99 interest until the balance was paid off and have been faithfully paying more than the minimum payment every month. My minimum payment has gone from a little over $500 to over $1,200 per month. This is a terrible business practice in this economy. It is clear that Chase wants these customers to default so they can raise the interest rate and get out of an agreement they offered. I lived up to my end of the agreement and Chase has decided to change the rules, I will never do business with them again. Although I will be able to make the new minimum payment, this has deeply cut into my monthly budget and is very unfair.

I had a credit card with WaMu. When Chase bought the card, they increased my APR rate to 20.23%. So, I paid the card off and they told me they would send out specials and work on the APR; and when I paid it off, I could consolidate my two Chase cards into one. But when I called back to consolidate, they said they no longer do that. Well, four months later, they reduced my credit line from $15,002 to $3,800 because I haven't used the card in four months, but I'm about to fix my house up and now I have less credit to work with. I have always paid on time and over the minimum payments on my credit cards but I'm still treated like I am a bad customer.

I have two credit card accounts with Chase with which I used the cash advance offers for some renovations to my parents' home. Now, they're increasing my minimum monthly payment by 150%. Are they nuts?! In these extraordinary times (as the President calls them), I can't believe this business practice is allowed especially when Chase was issued $25 billion in bail out money not too long ago.

Chase sent me a low interest offer of 2.99% and said it would stay the same until the loan was paid off and that the payments would be 2% of the loan. Now, they have raised my payments to 5% of the loan and having two loans with them for over $40,000.00, I cannot make my payments. I have called them and they said they would not lower my payment back to the original agreement. So, I have contacted the BBB and filed a complaint. What other steps do you take to get this fixed?

I took a balance transfer offer with Chase with the terms of 5.99% for the life of the loan. I have made every payment on time and have excellent credit. So when I received my statement this month and saw that my minimum payment due had more than doubled, I thought it was a mistake. I called customer service and they told me they had changed the rate for the minimum payment due to 5% from 2%. I asked them why they would do such a thing in such poor financial times and they said it was a “law” that was passed in 2003 and that them being in the forefront of the banking industry, Chase is the first to be compliant.

This past month, I found that my monthly minimum payment had doubled. I sent a complaint message to Chase concerning this matter and received the following response. I am outraged that they are able to change the terms of the agreement, especially since I am a long-term customer with outstanding credit. I know this has occurred since this is a low-interest fixed promotion (3.99%) until the balance is paid off! They want to recoup their money faster, so they can raise rates. Since they use the excuse of the economic environment, most people cannot afford to pay the higher minimum payments and now will end up defaulting on their credit card payments. And since this is unsecured credit, they don't even have to pay it back.

Chase credit card raised my monthly minimum payment from 2% to 5% of the outstanding balance. I could make the previous monthly payment of $388, but $958 a month is not doable. I had taken advantage of a promotional rate based on what the payment would be. Now, they have arbitrarily made it impossible to pay on an ongoing basis. I have been a customer for over 15 years, but I will be taking my business elsewhere.

I am a victim of Chase Credit Cards arbitrarily increasing the minimum monthly payment from 2% to 5%. I have excellent credit and have never missed or been late on a credit card. This increase is targeted at me, because I have a low APR balance transfer (2.99%) on the life of a $20,000 balance. This change takes my minimum payment from $450/month to $995/month.

Same story. They changed my 2% of balance to 5% of balance on the account I had opened with promise of interest rate of 3.99% and 2.99% for the life of loan. When I called, they said it was to help me pay off my debt quicker. I have excellent credit, however, I have already been hit by the stock market and most of my 401 wiped out. I do not have enough left to pay them off - $9,000. I am almost 65 years old, still working full-time. This is causing me great anxiety and affecting my quality of work performance - I transcribe medical records at a hospital and am required to maintain 99% accuracy. I am so worried it is affecting my health.

My interest was recently raised from about 4% to about 10.4%. I have paid on time, have excellent credit, and am a responsible consumer. Recently, I suffered a hardship and became a single mom. I am an international pilot and have gone back to flying, leaving my child with a nanny. I am trying to catch up financially, but how can I do that when Chase has raised my credit card APR to a whopping 10.4%? What is going on? Please let me know what my options are. I have emailed Chase Online, advising them of my disappointment and disgust.

I had a WaMu credit card with a limit of $3,500. I never missed a payment, was never late, always paid more than the minimum due, and always kept my used-to-available credit ratio between 0.15 and 0.2. So in July (several months after Chase absorbed WaMu), Chase decided to close my account. The people on the phone were extremely rude and lied to me, as well as their web customer service. My income is $110,000 per year, and two of my three credit ratings are in the "good" category. My credit rating will drop for no good reason.

My Chase credit card account minimum monthly payment has more than doubled this August from 2% to 5%. I took their offer of 3.99% fixed until balance paid in full. I was notified of this change by mail 3 months later. This is unfair and greatly impacts our monthly household budget. I hope Chase card account holders are reading this and file similar complaints.

In a nutshell, my experience is very similar to many of the other posts here. I have been paying on a promotional transfer balance on a Chase credit card which was stated to be 3.99% APR until paid off. I have been paying the 2% minimum or more each month faithfully. I got a "statement surprise" in the last couple weeks when I checked my account and saw the minimum monthly payment had more than doubled from $112 to $274 (now 5%). Upon inquiry to Chase, I was told I was sent notice of this. I was given the option of keeping the minimum payment at 2% but that would mean the APR would be changed to 7.99% from 3.99%. I told the rep I felt this was an unwarranted change from an implied if not legally binding agreement that should stand until the balance was paid off. I called again and asked if other (better) terms would be available if I closed the account and was told "no".

I requested a balance transfer with Chase Bank to take advantage of a promotional offer of 2.99% for 2 years. After about 10 days of requesting this, a Chase bank manager informed me that the request had been processed incorrectly and that I should request the balance transfer again. Both balance transfers ended up going through. Christine **, Chase Bank Manager of the San Antonio, Texas office, told me that I would not be held accountable for any of the charges of the mistaken balance transfer other than returning the funds. I returned the amount of the extra balance transfer immediately and now Chase has gone back on their word and are trying to extort me for more money, as well as decreasing my credit limit and not honoring the 2.99% APR that I was to receive.

I recently reviewed my credit card statement from Chase and noticed that my minimum monthly payment had been increased from 2% of the balance to 5% of the balance due. My payment was $386.00, and now is $951.00. I called customer service, and they stated that they sent me an account change notice with the new terms that the payment would now be 5%.

I went online to check my account statement and to my surprise, I noticed that the minimum payment has more than doubled since my last statement. I called Chase to inquire, knowing that my account is in good standing, only to find out that they have increased the minimum payment from 2% to 5%. When I asked about this, their response was, "In order to help you become debt free, we increased your payment so that you could payoff your balance faster." My response was, "What!? This will put me into debt faster! I cannot afford to make this payment on a monthly basis." The option that was offered to me was to change my promotion to an interest rate of 7.9%, in which my minimum payment will reduce back to 2% of my balance.

Along with everyone else, I had a balance transfer rate of 3.62% that was supposed to be the life of the loan. Now, my monthly statement went from $234.00 to $577.00. They want people to stimulate the economy by spending but it is very hard to do that when now you do not have enough money to the basics, like food. I will make sure to tell everyone I come in contact with never use Chase bank for any of their financial needs or you too will be sorry.

About 6 weeks ago, I received a letter from Chase telling me of changes they were making. I didn't understand so I called them. I figured that since we made a deal 4.99% with 2% minimum payments, the changes would not affect me. I was assured by one of their reps that the changes would not change my account because of the deal we made. On my statement, which I received yesterday from Chase, I saw that they increased my minimum payment 2.5 times. I called them again, but this time I got the same story as everyone else. This rep said that the person I talked to 6 weeks ago must have been misinformed. I made this deal over the phone and was told of what my minimum would be, thus, I took the deal. No one ever told me that my minimum payment could change. I'm very upset, I couldn't sleep last night. I hope we can all get together and fight this.

They raised my minimum monthly payment from $194 to $479. I have a low interest "transfer rate" offer that they are now not honoring by increasing the minimum monthly payment, though I have a perfect credit record with them. It's criminal.

I also signed up for the 3.99% interest rate which they have 2% minimum balance. I always pay on time, sometimes more money or least the $247 minimum. They just increased my payment to $607. They said I was taking too long to pay off, which they never gave a time to payoff and then offer me some crappy offer of an increase in interest rate of 7.99% for 2 years and then after that 27.99%.

I have several accounts with Chase, starting with Bank One which they bought out, then Washington Mutual which they purchased this year, and then, I've also have had two accounts with them for several years, because they offered the lower rates for the balance of the loan. Well, I had a low interest rate with Bank One, and it didn't change when Chase took it over until this year. Along about February, the interest rate started climbing for no reason at all. I had not been late, and I've always paid on time, paying more than what was due in hopes to soon get them paid off.

It has always been my goal to make my credit card payments on time. This particular month, I completely forgot about it and made my payment 8 days late. Chase increased my interest rate from 13% to 29.99%. When I inquired about it, I was told that per my cardholder's agreement, I would have to make 12 consecutive on time payments in order for my interest rate to be reduced. I decided to inquire again and got someone different who told me per my cardholder's agreement, I would have to make 6 consecutive on time payments in order for my interest rate to be reduced.

I opened the account because of the $20 automatic credit, but I did not receive a bill for months. When I finally got my first bill, there were already 2 late fees ($15 each) applied. I called, and they only agreed to waive one of the fees if I made a payment over the phone so that I could close the account, which I did. However, the next bill I had not only carried a balance from the "first" but also a third additional $15 late fee as well. I finally just paid more than I owed anyway in order to close the account and avoid any other mysterious "charges" that would pop up. Thank goodness, I was dealing with small charges here; or I don't know how I could have managed to get out and as far away from this card as possible. I've never been met such shameful customer service in all my life, and I will never touch anything Chase-related ever again.

I had a Washington Mutual credit card that Chase, of course, took over. The transition itself went fine. Then as soon as Chase Bank was in complete control, I noticed issues. My APR started going up each month. Not a big issue, I actually expected it even though I had always been in good standing with WaMu. My first complaint comes when I paid off my balance in full only to receive my next bill with a balance. I had never had this issue with WaMu, but thought okay, whatever and paid the bill which was finance charges on the amount I paid in full. Then, the next month rolls around and again another bill for a finance charge on the previous finance charge. Now I figured, enough and called. When the lady explained that yes these were finance charges on finance charges, I told her I would like to close my account. She said okay. Two months later, my account is not only still open, but when my statement came in, the APR was increased again to 158%. Yes, this is not a typo, 158%. I am still waiting for my account to finally be closed as obviously I will never be using this card with that rate and would like to know how they can get away with things like this.

Chase has raised my APR to 27.24% for no reason. No late payments, nothing.

I am part of that Chase nonsense raising minimums from 2% to 5%. I took advantage of their 3.99% lifetime to transfer the balance of my new car in which I was paying 5.99%. Now, my car payment is going to be $800 a month. I should have bought a Mercedes. The other option Chase provided was a questionable fixed 7.99% which is higher than what I had before the original balance transfer. I don't know what I am going to do.

I opened a Chase account somewhere around 1999 or so. In October of 2005, I was notified that my APR was going to be raised and was given the option to opt out of the new terms of service, close my account and continue to pay my balance off under the current terms and conditions of the agreement until the card was paid in full. This was not a problem until recently. I was making a payment on my card last night when I noticed that in January they had raised the APR from a fixed 9.9% APR (original terms of the account) to variable rate which is currently 13.24%. When I contacted customer service that evening via email, I was told that a letter was sent in January of 2009 which I never received.

After accepting a fixed rate and payment agreement from Chase Credit Cards and meeting their requirements since then, I've been notified that my payment has increased from 2% ($196) of my balance to 5% ($482). The sudden increase from 2% to 5% of my balance is not financially possible for me.

It happened to me. I received my Chase credit card today. I have a fixed rate of 3.9% on my balance, and never been late on any of my payments. I even paid extra every month. My monthly payments doubled from $250 to $375. How is that helping people to pay off their debts?

I have been trying to contact someone in reference my credit report. Chase has placed a collection on my credit report and I do not know what, when, and how this could be listed without me having a credit card from them. I am trying to purchase a house and this debt, which is on my credit report, is stopping me. I would like to be able to resolve this matter as soon as possible. Thank you.

Effective August 1, Chase increased the minimum payment from 2% of the balance to 5%. I locked in an interest rate of 4.99% several years ago. Unfortunately, my minimum payment increased an additional $400 because of this change. When I received the "Change in Terms" notification in June, I interpreted the change for new balance transfers, not existing ones. The customer service rep offered me an alternate interest rate of 7.99% through August 2011, which I accepted because I cannot afford a 5% of balance minimum payment. But Chase's practice is deemed unethical since the increase in rate was not part of our initial term of agreement.

Chase raised my interest rate from a low fixed rate to 29.99 percent, because they claimed I made a late payment, which I did not. My payment went from $426 a month to $728 a month. The customer service department continuously put me on hold and hung up on me, and when I finally did get to talk to someone, they had an unhelpful attitude and kept transferring me from department to department until I was eventually hung up on.

"WaMu closure." Look at your Chase account closing notification letter in the bottom left corner. If your notice says this or you're a former WaMu holder, you are not alone. If anything, you have a ton of people who have your back; and lets all hope that there are enough people who will not just say "oh well" and walk away. I'm not going anywhere till they are exposed! After reading my story, you will see why.

I had a Washington Mutual credit card and it was closed without warning by Chase Bank. The account was in good standing with no late payments nor any minimum payments made. The interest rate was very high through 31.99%. When contacting Chase about why they closed this account, I got the usual runaround from them. This has been placed on my credit report by Chase.

I have had my Chase credit card about 10 yrs. I agreed to pay a 3% fee at time of transfer for a 4.99% interest rate until the balance was paid in full. I also agreed to pay 2% for a monthly balance. Now, they have increased the minimum payment to 5%, more than doubling my payment. So in this economy, I am hardly able to pay the 2%; now they want more. So this change in agreement is a credit card scam. They are not allowed by law to change the interest rate on fixed interest so they increase the minimum payment when they know you cannot pay it and offer you to bring the payment down if you agree to a higher interest rate.

I had a Chase card fixed at 5.99%, great payment history, never in collections or late. When they did an increase, I requested the account be closed and locked at the 5.99%. I setup the Auto Pay for the balance and let it go. All was fine for at least a year. I never missed a payment (and maybe 1 in the 5 years I had the card). So on the 31st of July, I tried to increase the amount taken out of Auto Pay. I could not find an option to do it, so I stopped the Auto Pay with intentions to start it again at a higher amount. Once I found I could not do that, I started the Auto Pay the same way it was, all within 10 minutes on the same day.

I received my statement and my minimum payment went from $210.00 to $509.00 monthly. They went from 2% to 5%. I called and talked to Jim. He told me they sent a notice to this increase, which I never received. He told me I could go back to 2% if I agreed to either pay my $11,000 balance in 6 months and if not paid off, go to a higher rate of 22.24% and the effective annual percentage rate of 4.87%. When I transferred a balance from another credit card, the promotional rate was 3.99% for the life of the loan. I have never been late with any payments, not only for Chase, but all my other accounts and have never gone over the limit. The advisors you talk to are very rude and unconcerned.

Chase raised the minimum monthly rate from 2% to 5% increasing my monthly payments by more than $300. I had a 4.99% rate for the life of the balance for over two years. I told the rep that one of two things will happen - either they change it back to 2% minimum, or I will pay off the balance. The rep said that the only way they will lower the payment back is if they increase my rate to 7.99%. That is just plain greed. That's why I don't understand why there was such a long lag from the time the new laws were announced until they go into effect. It's like the lawmakers wanted to give the greedy banks time to screw us all and milk more fees from us before the new law kicks in.

I didn’t receive my July statement and called to discuss this issue. The customer rep was very rude. She didn't listen to me, didn't let me talk, kept saying there was nothing she could do, and closed my account without asking for my permission. I still have over $200 reward on my account and now it is all gone! There’s over $59 for late fee and finance charge for a long time customer who has first missed payment because they didn't send the statement!

My husband and I had a joint Chase account in WV. For the other people that has problems with Chase and Chase credit cards, watch your bank statement carefully because on ours they have been taking out of our account by cents. At first and the latest was a little over a dollar and when I started checking back on all our debit and check purchases, we noticed it did not add up, because we had our receipts with them also. So, they have been doing that for a long time. At first I thought it was my mistake, but the further we checked into it we noticed that it was not our fault. Our math was right, theirs was not. It's no telling how much they have gotten from ours. But there's nothing we can do about it.

I have had a Chase credit card for 14 years and always pay on time. It is set up for eBill and AutoPay, so I don't pay much attention. Shame on me, I just noticed my payment was higher and when I checked the statement, they have doubled my interest rate from 8.81% to 17.24%! When I contacted them, they stated a letter was sent in June, which was never received by me, and that this is due to the economy! This does nothing to stimulate the economy and the twit on the phone says it has nothing to do with the bad debt incurred by extending credit to the losers who didn't deserve it in the first place. I have lost a house to Hurricane Ike and now am being railroaded by a company I have been loyal to for 14 years.

I, too, had been a Chase customer for 7 years. In July I was 1 day late (so they said). I mailed it 10 days in advance, so I don't know how it could have all of a sudden been late when it never was in the last 7 years of business with them. So they charged me a late fee plus a lot of extra finance charges. I called their so-called customer service, which was no service at all. It was the rudest customer service I have ever dealt with. I tried to get to talk to a manager (3 times I called) and every time I asked, they hung up on me. I use to work in customer service. I would have been fired if I would have ever treated a customer as they treated me. Anyway, I was so mad I paid the balance in full and I, too, received finance charge again on my credit card bill today. How can they charge you a finance charge when you paid it off in full way before the due date? I'm tired of even trying to deal with this company. Reading all the complaints on them, how can they still be in business or even hope to obtain future business? I will let everyone I know about their business practices. Obtain future business?

I received my credit card only to find my minimum payment went from $260 to $658. I never was late on a payment. If my other cards follow the same, I won't be able to afford it. P.S. let's help out GM.

My minimum monthly payment went from $202 to $497. I called a supervisor and was told the only way that I could have my old payment was to let them increase my rate from 4.99% to 7.99%. I don't remember this being part of my original agreement. I thought this kind of business practice was the same as extortion.

Chase decided to raise my 2% to 5% fee of my balance because I have a fixed 3.99% APR. I made all my payments on time and paid more than minimum. I asked the customer service idiot on the phone if this is the way they treat all their loyal customers. She just kept reading the company statement. I told her that it was her bank that gave that low interest rate offer and now they want to punish me for it. I then told her I might go to one of the credit counseling services and try not to pay them off. She said that would be my decision. I then told her I'm going to close my checking and savings account with them. Again, she said that's my decision.

Chase more than doubled my monthly payment percentage causing my monthly payment to raise by more than $300 a month. My only option is to go into a "hardship" program that will impact my credit score or move to a different program with an "introductory" interest rate nearly double my current rate for the first year and will then jump to the default rate which is 4x my current rate. All this for being a good customer and paying my payments on time. Talk about a bait and switch! This is just simply bad business. How many consumers will now default and start incurring exorbitant late fees? Chase must like being sued given the cost incurred by previous lawsuits. It's obvious Chase hasn't learned anything but how to be an institution run by thieves who rob their own customers! Are there any new class-actions heading down the pipe? If so, sign me up.

I locked into promotional interest rates several years ago of 2.9% and 3.9% and consolidated several bills into this credit card. The minimum payment due was 2% until I just received my statement showing 5% due. My minimum payment went from $435 to $1,034. I was offered an interest rate of 7.9% and the minimum due would remain at 2% of the balance but turned this wonderful offer down. I would like to know if there is a class action lawsuit I can join. I am furious.

I also like to express my grievance in Chase’s decision to raise minimum payment from 2% to 5%, this raise my minimum payment from $ 171.00 to $ 353.00, essentially double the monthly due. I am on a very tight budget as it is. This increase is causing hardship. I now worried if they will do the same thing on my other cards, which will surely push me into bankruptcy. I have been very diligent in paying off my balance and managing credit debts. But more and more it feels like I will never be able to catch up. I can't believe they can get away with this. And they offered to raise my interest rate from 5.99% until the balance is paid in full to 7.99% that is good for two years. They are forcing me and thousands of others in accepting the higher interest rate illegally. This has to stop!

Since I obtained my Chase account for my business last April, I received one statement. Despite frequent request for a written statement, none was received, resulting finally in a missed payment - a day late. I have closed my account, and moved my checking and savings account to another financial institution. Stay away from Chase!

I had a WAMU credit card for many years. I always paid my bill on time and never had any problems. As a matter of fact, my credit limit was increased by WAMU. I received a letter for Chase saying my account was being closed because of my credit report. I called to inquire and was informed I needed to contact Experian. I did this and received a copy of my credit report. I am still confused as to why my account with Chase was closed. My daughter is getting married in September and I had planned to use my card for some purchases.

I have had this credit card since 1990. I have never missed a payment, nor been late ever. I am paying out a balance of around $6,000.00 at a promotional rate of 3.99%. This month, August, the payment has been raised from $155 per month to $374. (5% of the balance, which I contested when first notified of such). The option was to raise the interest rate to 7.99% in order to maintain the original monthly payment schedule. I feel this is an unfair bribe. In the first place, I would have never accepted this credit card with such a high payment. This is the acme of unfairness! What does Chase do when one cannot pay this high payment, besides the high fees attendant on missed payments. I no longer care to have this card. Is there a class action?

I had set my account to auto withdraw on the due date. August would be the first auto withdraw. When I checked my account, it showed nothing outstanding, but now my minimum due was twice as much for September as was August. I checked my APR and it was still at 3.99. I called Jim ** at Chase's 800 number. He said, "Chase doesn't like people having a balance of 3.99% for the life of a loan, so they changed the payment amount from somewhere around 2% to 5% of the balance. Oh, and if this creates a hardship, here is the number of someone who can help you 877-609-8485." He in fact called me back to give me this number. Jim said they sent me a notice on June 22. I never received any notice. The only option I have is to raise the interest to a set 7.99% until August of 2011, then it goes up. He was very cold, as a matter of fact, uncaring and said there was nothing that could be done about it. It is part of the new law. Is it?

I have had my credit card for about six years now and have never made a late payment. For the first time last month, my payment went through after the 4PM cutoff time on the due date so it posted the next day. The late fee was posted to my account on the due date, so they don't waste any time. I called and spoke to a customer service representative and she acknowledged that I had an excellent payment history, but "due to the economy" no credits were being given. I didn't ask any questions and the call was over.

When I found out the plant that my husband has worked for 26 years was closing its doors, I wanted to prepare for the worst. So I contacted Chase Bank and asked to speak to someone in charge. I asked if there was any way they could lower my interest rates as I wanted to pay as much as possible on the principal and I told them the reason why. I talked to four different people and was told by all of them that it was not possible. I have been a cardholder with them for several years and have always paid way more than the minimum payment and always on time. That did not mean anything to them or that I was concerned about my future payments. Three months after that phone call, I received a statement in the mail and my interest rate jumped up 3%. I wrote them a very detailed letter that I was appalled at the way they were treating a longtime consumer. I'm afraid I was very rude, but I was angry. I told them that I was not going to pay another penny, until my interest rate is lowered back to what it was and I thought it was a cheap and underhanded thing to do to someone that had been on time with their payments and honest with them.

So, I had a credit card with WAMU out of WA state that got bought out by Chase banks. Okay fine, they dropped all my extras attributed with the card the first month. No more credit monitoring or cool emails and tracking. A month later, they changed my APR from 14% to 29%! That's a big change. I decided to stick it out with them. 4 months later, they canceled my card completely. I have had it for 2 years, never come close to maxing it out, always paid ahead of time, sometimes 2-3 times a month, and I have no other negative items on my reports (all 3 of them) since 2002. I filed a complaint and had them reevaluate to no avail. Now one month later, my credit score drops 23 points and there is nothing I can do about it. I worked so hard to get my score where it was.

We have two Chase Credit Cards. We owe about $17,000.00 on them together. We have never been late in all the years we have used these cards. On both of them, they have locked in rates. So since they could not raise our interest rate, they raised the minimum amount due. So our $300.00 bill went to a $700.00 bill. They can give us no reason for doing this and said they will only help us if we get behind in our payments. We were told not every customer was getting this done to their account. How does a middle class family go from a $300.00 payment to a $700.00 payment? We barely have $20.00 left after our bills.

I was recently notified by mail that my credit card with Chase was going to be canceled by them. I received a letter notifying me of the closing date in August of 2009. The next day, I received another letter stating it would close in September of 2009. My main complaint is that I have never gone over limit or paid late, and I have always paid 5 times my minimum payment. I only used this card for the perks (I was earning points toward free books at my favorite bookstore). I was very disappointed and so I have since paid the full balance of the card off.

In May, I was offered a "flexible reward" from Chase Visa that I had never been offered before - it was to skip a payment. I skipped my May payment and paid interest only, which was more than what was required. In June, I got a notice that my credit limit was being decreased to my balance. My June payment was normal. My July 30 payment was normal except for a reduced available balance.

I had a Chase card for little over a year. I never missed a payment, when it came time for me to be able to pay off my credit card, I sent them the full amount. When I received my statement, I noticed a late fee charge of $59.00. I was upset because I had paid off $2000 and apparently they received it a day after my due date, which really makes me suspicious. So I called them and asked politely if we could work something, or reverse the charges. They informed me that no matter how good of a customer I was in the past, no matter if this was payment in full, they would not do anything to assist me. I then closed my account after making some frustrated comments to someone who told me was a manager.

My husband and I both have Chase accounts that we used to transfer balances a few years back. When our bills arrived this month and the minimum payment more than doubled, I called and asked the representative how anyone could afford a minimum payment of $800.00 on one card and over $900.00 on the other. That's our monthly mortgage payment! There is no way we can afford this. I was offered absolutely nothing and the representative refused to put me through to a manager.

They just more than doubled my minimum payment. I can't afford to pay it. If my other credit card companies follow suit, I'll go bankrupt.

I have been making payments on my two Chase credit cards on time for several years. And for the last year or so I've paid online, making both payments at the same time. Recently, one payment, unbeknownst to me, did not go through. When I received an e-mail alert a day after the payment was due, saying my payment had not been made, I made the payment again, then called Chase customer service, with a wait time of about ten minutes. I was told to write a letter describing the circumstance. I did, and received no reply, so I called. The agent said to write a letter again. I became furious. My interest rate went up eight points and I was charged $39. I called again, and someone who said his name was Jason ** said he wrote a letter recommending my promotional rate be restored and the fee credited back. He said I would be able to reach him in the Orlando office, but when no changes were made, I found I could not reach him. Someone named "Eva" who declined to provide further identification, said she would do nothing. This company behavior is ruthless, draconian, and unethical.

I went to pay my credit card on time as I always have done and much to my dismay, noticed the minimum due was more than double what is usually due. I looked carefully to make sure I did not miss a payment and I paid all payments on time as I have all my bills every month, never late! When I inquired, Chase informed me that they are now collecting 5% rather than 2% of the minimum due, making my payment totally out of my budget. Chase will only offer me the 2% minimum, if they raise my interest from 4.99% to 7.99%.

My Washington Mutual credit card is now owned by Chase. After having this card for approximately 9 years and never being late, never going over my limit, and usually paying over the amount due, I received a letter from Chase stating they were lowering my credit limit by $4,000 due to a recent report by the credit report company. I requested a report and found that due to I had a payment dispute with Discover card on a card I never activated, Chase was lowering my limit and raising my APR rate. There is nothing else that is bad on my credit report.

Chase Bank is no longer part of humanity. It is a machine that employs humans. I paid off what I thought was the remaining balance of my business credit card in a lump sum payment. The next month, I got an email saying my payment was not received yesterday. So, I signed on today and discovered a "finance charge" of $69.01. And my outstanding balance was $84.01. I called them up to verify the $69 was indeed just interest for the value of that account before my lump sum payment and to try to understand why it said $84. Anika told me that the account was closed, so therefore they couldn't waive the late fee. I asked to speak to her supervisor, but she said, "There isn't anyone else to speak to." It got pretty hairy from there. I eventually stated, "I hope your bank fails."

I received my August statement from Chase and was shocked that my minimum payment due went from $410.00 a month to $1,000. I was so angered that I called Chase and explained to them that I could not make this high payment. They said I could apply for the hardship program at a fixed 6% for 5 years and they would close my account. They would call me back the next day to let me know if I was accepted. No one called. 5 days later, I called and was informed that I was denied because I was unemployed. I have been working for 11 years. I was then told there is no such program as the hardship program and I could right now sign up for a 7.99% and reduce my monthly back down to 2% for 2 years.

I had an account with Providian and then WaMu, before my account was taken over by Chase. I have never been late on a payment in the over 4 years life of the account. I had a balance transfer offer at 1.87% that I exercised last November. Suddenly on my bill this month, July 2009, my APR jumped to 21.87%. I could get a better deal from a loan shark than from Chase. I have looked through all materials that I kept and can find nothing that states that my APR will go up. I called Chase and they said that not only do they not have it, they don't have to provide it, I do. Since when did banks completely stop caring about their customers? I hope they all go out of business and their jet planes are permanently grounded. Chase is the worst! It is virtually impossible for me to whittle away at this debt. I make a 50% above minimum payment and it still only knocks it out by a few dollars per month. Aren't there usury laws?

I went to pay my credit card on time as I always have done and much to my dismay, noticed the minimum due was more than double what is usually due. I looked carefully to make sure I did not miss a payment and I paid all payments on time as I have all my bills every month, never late! When I inquired, Chase informed me that they are now collecting 5% rather than 2% of the minimum due, making my payment totally out of my budget. Luckily, in my panic, I was able to transfer the balance to another card, but of course, there was a fee. My rate with Chase was a low 3.99% for the life of the loan. I guess I was one of the ones "trapped" by my good credit and low rate. When I inquired, they were willing to refinance the balance at a much higher rate. Unbelievable!

Chase doubled my payment on my credit card. I had the promotional rate for balance of payments and my rate went up to 5% minimum payment. There should be something someone could do. They were bailed out by the government. Now, the government is allowing them to bankrupt the American people.

I took their offer of 0% to move my charge balance and paid them a 3% fee for it. Then, the statement came and they charged me another 14% per month. I called them and they said it was their policy and I should read the fine print. Consequences: Fees and interest paid to date.

I went online to make a payment to Chase and noticed my balance had doubled. I have great credit, never been late and a loyal customer. I was offered a 3.9 until balance paid in full. My payment was $200.00 a month, now it is $531.00. It is absolutely ridiculous that consumers get treated this way. I called Chase and advised them I will not pay that outrageous payment and they just lost my business as well as this balance forever. Yes, that is right, I transferred my balance once again and I hope that creditor doesn’t do the same thing Chase has done to me. Do you know what the point is in having good credit, it means nothing now it seems. I am very outraged by credit card companies and no longer use them, just simply paying them off forever.

I feel better now, reading that others have been treated ridiculously also. Chase closed one of my cards while I was on a car trip. If I hadn't had another card, I might not have been able to buy gas to return home. They told me it was something on my credit report, but when I checked my report, everything said "never late." And to add insult to inconvenience, I had just sent them a payment of over $4000.00 on my business card, which they have also closed! They have been totally schizophrenic about interest rates, going way up, coming down when I called, then going halfway up a few weeks later. What goes around comes around; they will lose many customers because of this behavior, including me. I do feel sorry for the customer service representatives who have to talk with us; they offer rote answers, because they really don't know why accounts are being closed.

I have had this Chase Rewards MasterCard since 1993 and whenever I owed anything on it, my payments were always made timely. Have never paid any late fees or penalties. My card limit was $21,500. My balance was over $10,000, but was on a promotional rate for the life of the loan at 4.99%. On 6/24/09, I received a notice regarding account changes. They said they were changing my payments to 5% of the balance, raising the payment from $270 a month to over $800. Absolutely ridiculous. Insane to think the average person could take a hit like that, especially during these times. I called customer service number indicated on the evening of 6/25/09 and was treated very rudely and told to call debt counseling. There was nothing they could do for me, pay it according to the changes or there would be repercussions, impacting my credit reports of course and probably any other credit I have, which are all very good.

I had a card with WaMu credit limit of $3,000. I always made my payments on time and always paid more than the minimum. I had an APR of 9.99% then it went up to 21% after the promotion with WaMu. Chase has only had it for a while and they raised the APR to 26% and they closed my account two months ago. I was not even notified. I called to ask them why and they said information they obtained from my credit report. I have true credit and check my report monthly. There isn't anything from them. I told them they **. I hate that company and I hope they go bankrupt.

I had a Chase card that I used to transfer balances a few years back. There was a tempting 3.9% and 2% minimum payment. Later, I took a 4.9% and 2% minimum payment. I got my bill this month and the minimum payment goes from $475 to nearly $1,000! I cannot afford this. They said that I could continue at the 2%, but that they would have to raise it to 7.9%. I called and talked to 10 different, very rude representatives. I told many of them that I would be ashamed to work for such a greedy, disloyal company. You should have heard all the different stupid explanations from these reps. I understand how banks work and these reps have no idea. One rep told me that they were actually doing me a favor, that I would get my card paid off quicker! I said that would be great, but I cannot afford that minimum amount. So, they offered me 7.9% with 2% of the balance due. So you tell me you want to help me, but now I'm back in the same same boat except that my interest rate has gone up 3-4%! Thanks for the help!

Chase increased my minimum payment to more than double the amount of the previous minimum payments. I called the rep and he said Chase was increasing my minimum payment to 5% of the balance. He said Chase sent out a letter, but I did not receive one as far as I know. I have been an excellent customer. I have never been late and I have always paid more than the minimum. Why are they doing this to an honest, earnest, hardworking person like myself? They want me to pay $616 on a $12,000 balance. $616 is almost as much as my mortgage payment. This money has to come out of my savings, which will be depleted soon if this keeps up. This is totally unfair and wrong to the consumer. I will be calling Chase and closing my account. I will not open another account with them again and I will let them know this. This is wrong.

Providian card (14.99% APR) to Washington Mutual and now to Chase. Upon being purchased by Chase, the rate climbed up and up to 22.24%. I received notice in May that it would increase on July 1st, 2009 to 25.24%. I felt I had no options. If I were to close the account, I thought it would negatively affect my credit score. So, I did not opt out of the increase. New interest rate went into effect July 1st. July 21st, Chase closed my account noting two few open accounts with time on file greater than 24 months (?), too many open bankcards with high balances (same as I've always had), and total balance on retail accounts is too high (I have no retail accounts). In fact, nothing re: my credit had changed.

I tried to use my credit card to pay for a Chiropractic visit. It was declined. I logged into the website and everything looked normal. A day or two later, I then called Chase and was asked what I'm calling about. I specified that my card was declined the at the doctor's office and asked if there were any issues with my card. They then informed me that my account was closed. I asked why, as I've never had a late payment with them or WaMu and I've always paid at least 20% more than my minimum monthly payment. They then specified that my account was closed due to reasons in my credit report. I haven't had anything new in my credit report other than good things (increased FICO) and now, since they closed my account, my score took a 16 point hit. If I'm such a bad guy, then why didn't they close my Best Buy card that I have with them? In addition, they also closed my wife's account previously for no apparent reason whatsoever!

I have Chase credit card since 2004. Recently, I was on a promotional rate of 3.99%. I missed my monthly payment accidentally for this month and they have charged me with late fee or $39 and raised my APR to 29.99%. I called them for this one time exception since this was for the first time in the last 6 years. The customer service is so horrible and rude. They won't help me and wouldn't even let me talk to any supervisor. It's one of the worst services I have ever had!

I, like many others, have seen my minimum payment jump from 2% to 5%. I have 2 Chase credit cards. I have a promotional interest rate of 2.99% & 5.99% for the life of the balance. My combined minimum payment went from $202 a month to $493 a month. I believe they are only raising the minimum payment on customers that have promotional rates because my son has a Chase credit card & they did not raise his rate (he doesn't have a promotional rate). I think this is horrible! I also have my home mortgage with Chase. Each time my husband is in Chase bank making these payments, a loan officer always approaches him & tries to get him to move all of our banking to their bank (we own our own business, so we have several accounts). After what they have done, I will never do business with Chase again! I can't wait until my husband goes into the bank again!

I became disabled 2 years ago and was awarded S.S. disability in October 2008. I nearly lost my home to foreclosure, but resolved all issues with the mortgage company. Meanwhile, I kept all credit cards and house bills current, and now I am even climbing out of debt because my wife had to go back to work. As I was paying off my largest unsecured debt (at that time it was WaMu Visa), Chase took over. Recently, they offered me 2 months no payment necessary, but I continued paying way above the minimum due anyway. Then last month, I paid Chase over $1,000 in one timely payment (9 times the minimum due, never late) and what do I get - a lowered credit limit and 26.24% rate. I have contacted them as to why I'm being punished like this, and they said one or more reasons on my credit report. I obtained credit report from the big 3 and the only time Chase showed up was when WaMu was forced to turn my account over to them.

Chase used their bailout money to buy out Washington Mutual. I never got a notice that my interest rate was changing, but it went up to 24.99%. A couple weeks ago, I was notified that my credit limit was being dropped by $5000. I have tried to resolve this with the company, finally talking to someone after reviewing my credit report. The report is exactly the same as it's been for years. They didn't care about all my creditors saying I hadn't made late payments or that I always pay more than the minimum. The person I talked to on the phone today said these were "business decisions" and there was no one in the entire company who could restore my credit limit. She also lied and said that my interest rate is the lowest currently available. She didn't care that this is preventing me from completing my career training.

Whatever you do, try your best to stay away from Chase.They will do nothing to help the consumer unless by law they have to. I have called several times to see if they could help me lower my interest rate or to combine the two credit cards which they bought from my original banks. Every time I've called, they told me there was nothing they can do. Yesterday, they told me for the first time that the programs for these kind of actions are no longer available. If there ever was a program, why wasn't I ever offered this in the past when I called. When I asked what the criteria are needed to be eligible for the programs, they had no answer. So either they are lying or they just don't care.

They closed my credit card account in July without warning and I really question if they provided true reasons for doing so. Consequences: unable to purchase college text books for the start of the fall semester. I was forced to seek personal loans from other institutions. I believe this action negatively impacts my credit score.

They increased my minimum monthly by 250%. The account is in good standing. I called customer service and was told there was no recourse. I asked to speak to a Customer Service Manager and they disconnected me. I sent several e-mails and all they said was to call or log-in to the website which did not work for me. Then, I called the corporate and they were not very nice and produced no results. I sent a letter to Jammie **, the supposed head of the credit card business. I asked if they were in business to make a profit? After my experience with the above customer service and corporate people, I assume they are in business for rest and relaxation.

The minimum payment due on my wife's credit card account was changed from about 2% to about 5%. There was no notice prior to the statement reflecting the change. There is a message on the statement about a change in due date to allow more time to pay, but the due date is the 6th just like the previous statement. There is no information pertaining to the amount due change. There is no reason on our part for such a change.

I had a WaMu card which had a 6% APR. I had a credit limit of $8,000. I purchased kitchen cabinets in February 2009 so that my balance went to $4,000. In March, Chase took over WaMu. They raised my interest rate in May to 10.4% and dropped my credit limit to $4,800. I called them to ask why as I have never been late on any cards for 8 years. They said it was due to my credit report. I called the credit bureau who confirmed that there was nothing negative on my report. I called back Chase who said they were doing it to everyone.

They cancelled my credit card for no apparent reason after raising the rate to 29.9% for two alleged "late" payments. No chance to refute the decision.

I received my Chase CC bill yesterday and found my minimum payment doubled. I called Chase's customer service department and was informed that they sent a letter out last month stating an increase from 2% to 5%. I never received such letter. I have copies of all the paperwork from the check transfers and I don't see where they can increase the minimum payment. The customer service rep would not let me speak to a supervisor. I have the 3.99% fixed APR special, and was offered the 7% until 2011 by the rep. I have perfect credit. I've made my payments on-time. It's not my fault that Chase got screwed by other people. They got bail-out money. Do they think pulling this it will help them get their money faster? Unbelievable! It's hard enough trying to make ends meet. My minimum payment was approximately $200 each month. Now it is $509. I'm self-employed and back to full time from having surgery earlier this year.

I have a small business, an herbal tea shop, and have been open for about three years. I have to buy much of my inventory, being herbs and teas, from all over the world and therefore have to use a credit card for these foreign purchases. I have excellent credit, make my payments on time and have always kept my cash flow for inventory on one credit card with no more than $3,000 debt. I first used a credit card I had through my mortgage company. Then, they cancelled the line of credit (for no reason of late payment or over borrowing). So, I started using a Capital One card that I had never used before but kept tucked away for emergencies. They jumped my rate to 24.9% after my first purchase, and I had an offer from Chase to transfer and have a 7.9% APR (for the life of the account!), so I took it. One by one, I have been forced to close each credit card account because they jack the interest rate so high I can't afford the payment.

I signed up for my Chase card because of an offer in 2005 - 3.99%. So I pay at least twice the minimum every month. This month, I got my statement and my minimum went from $77 to $186. I paid $200, then called Chase. The reason for the "change" - I had to pay at least 2% of the total due, but they switched it to 5% and didn't notify me. So this is what I got. My 3.99% goes up to 7.99% good until Dec. 2011 - which it would have been paid off by then anyway, and they dropped my minimum back down to the 2% due. I have been in great standing, and they said so! So I asked, "why are you penalizing me? " Their answer was, "we aren't." Not further explanation in the jump.

Chase's recent change in terms has many cardholders outraged. The changes include increasing the minimum payments from 2% of balance to 5%. I didn't even get a notice of changes. I found out today when I got my statement and when I called, they "politely" offered to mail it again, "it might have gotten lost in the mail." This change is a deliberate attempt from Chase to recover money lost from default loans.

Wow! Today, I got an email that my Chase statement was ready to view online. I looked and my payment due doubled! I thought I somehow missed making last month's payment. Nope. I called Chase and spoke to someone far, far away. I had to keep asking her to repeat because I could not understand her. Anyway, my APR didn't change (I had taken advantage of their emergency checks low interest rates) but their payment due policy did. I now had to pay 5% of my outstanding balance which is more than double what I was paying. She said the policy was changed so that "I could pay off my card faster."

I have a credit card through Chase and several times I would make an early payment. Before I knew it, I had accrued several late payments, and my interest steadily went up to 27.24%. When I realized what was happening, I asked them why I was being charged late payments when I had made a payment for that month. I was told that the payments had gone through a day or two before the statement closing date, and that the payments that I was making were being applied only to the principal balance and not being applied as a payment.

I have had several bad experiences with Chase in the last month. First, they closed my previous WAMU credit card without notice. I found out when I tried to use the card and was embarrassed. They said because I was close to my credit limit on another account and the balance was too high, they increased the interest rate to 20.24%. Then over the 4th of July weekend, I forgot to pay my regular Chase credit card payment, which was due on July 3rd and I paid it on July 5th, 2 days late and I just got a bill showing my interest rate went from 8.74% to 29.99%. This was my first time being late in 8 years.

I had just paid the balance off and went to charge something (2) months later and was told my card was declined. I asked the cashier to try it again and the same thing happened. Luckily, my husband was with me to use his card. That is so embarrassing especially when this creates the check-out lines to get longer and everyone is looking at you and wondering why you are holding up the line. If I would have been notified properly, I would not have used the card.

I also took advantage of a transfer 3.9% interest rate offered by Chase Bank for the life of the loan with a 2% minimum payment requirement. They just increased my minimum payment to 5%. If I can't pay the 5%, they will increase the rate to 7.9% for 2 years only. This will bring my minimum back to 2%. I have great credit and have never missed a payment.

I went to purchase an item with my Chase card and it was declined. I checked my account online and it showed no balance and an available balance. I called Chase and they told me that my account has been cancelled. I have paid this card on time. I always pay it in full since I use it only when needed. Chase said they appreciated my business with them. I guess not so much since they cancelled my card. I am not one who lives on credit cards. I only keep them for emergencies. I'm sure this will affect my credit score negatively even though I didn't request the account closed. I suppose those of us who watch their spending and live within their means are the losers in this economic crisis.

I will try to be brief. I took advantage of a loan on my Chase credit card for a low fixed interest (5.99%) for the life of the loan with a 2% per month payment. I had no problem making the payments. In fact, I have not been late or missed a payment on any debt for over 25 years. In July, I received a letter saying the payment would be raised to 5%. I called and complained and said it would be hard for me to make that payment because of other obligations I had.

I did a guaranteed for the life of the loan balance transfer at 3.99%. Chase has raised my minimum monthly payments from 2% of the balance to 5%. This has increased my monthly payment from $510.00 a month to $1,253.00. I cannot afford this. The only option they gave me was to allow them to increase my interest rate from 3.99% to 7.99%. How can this be allowed? This will have a devastating effect on my family as we are already very upside down in our home and struggling to keep above water. This has drained us of our hope.

I just got my August credit card statement from Chase. I had a combined APR of 4.67% from two separate promotional rates. For almost two years, my monthly payments have been 2% of my balance which put them at about $375.00 a month. This changed dramatically with my August statement. Now, Chase wants me to pay 5% of the balance each month, plus my usual low finance charges. This puts my monthly payment at $818.00 a month, a $400.00 increase which my budget cannot afford! I called them and was told I could go back to the 2% minimum monthly payment if I agreed to forfeit my low fixed interest rate and accept a new 7.99% interest rate on my balance of $16,000.00. Can they actually do this?

My Chase Freedom credit card has been changed to a Chase Ultimate Rewards card, which basically means I get less rewards from Chase for purchases. The letter they sent stated that, "There's no yearly rewards membership fee for the first year; it's completely waived." So what do I see on my bill but a $30 annual rewards fee. I called customer service and was told it was a known error and would be credited on my next statement.

It's unbelievable how unwilling Chase Bank is when it comes to reversing fees or honoring previously stated interest rates, not to mention the lack of customer service training provided to their representatives. Speaking with a supervisor is the same as speaking to "less authoritative" representative. The difference is the supervisor keeps you on hold for a longer period to show that s/he is actually doing something productive to help the consumer.

This company is running a total scam. Twice, they have charged me a late fee, both totaling over $70. Each time, the late fee shows up two days after the payment is due. I know for a fact that two other checks mailed on the same day arrived and were cashed two days before the due date (I have bank records to prove this), so Chase is purposely stalling the crediting of the checks in order to make more money off of these "so-called" late fees.

I opened an account over three years ago, never missed or had late payments, usually carried less than $1,000.00 balance, and sometimes made two payments in a single month. I was on vacation 1,700 miles from home and driving back home when the card was declined at a gas station. I called Chase and was informed that the card was cancelled two days prior, July 21, and that Chase had sent me a letter informing me of such. However, I received the letter from Chase dated July 29, 11 days after they had closed the account. The reasons cited for closing the account were: total available credit "too low," too few open accounts with time of file greater than 24 months and average length of time since bankcard opening "too short." So, I guess I am being punished for living within my means, and not using credit to pay for everything.

I have been with Chase Bank for many years. I was an original with NBD, stayed through Bank One and grew with Chase. As I grew, so did my portfolio. I have several accounts with them today. In return for being a loyal customer, I received a letter stated they were reducing my credit limit because I didn't use all of it. I had a $6,500 limit, now it's down to $4200. I charge approx. $1000 per month and pay it off each month. If I never needed the $6,500, I felt it was my right to use it as and when I wish. They have decided since I haven't used it, I don't need it.

We had a Chase card that we used to transfer balances many years ago. Two years ago, they sent us new terms that we could accept or reject. We rejected and closed the account two years ago with the agreement that the balance would be paid at the then current rules. That was 4.9% and 2% minimum payment. We were just last week told that the minimum payment will now be 5% and we have no leverage. We already closed the account. Chase is violating the agreement we had when we closed the account two years ago. I've filed a complaint with the FTC, written my senator... fat lot of good that will do.

I have been using this credit card since 1993 and have a credit line of $49k. On March, I received Chase promotion convenience check on no interest until end of Oct. 2009. I wrote one check in May and charge transaction fee of $249. On June statement, I was for late 7 days and got charged for $242.44 on the next statement. I made a call to cancel the credit card on the same day. I have been asking the balance amount so I can send out the check on same due. I was told it's settled if they received the payment before the due date.

My husband and I are two of the individuals who accepted the offer from Chase to transfer other credit card debt into the Chase CC until the debt is paid in full (2.99% up to 3.99%). Our credit rating is impeccable and we consistently paid our monthly payments on time. We did not use these cards for new purchases and were carefully budgeting our expenses so that we would be out of debt or had manageable payments by the time I was ready to retire. Our minimum monthly payments went from $837 to $1951. We always paid more than the minimum payment, but with the change in minimum payments, there was no way we could pay the minimum much less any amount over the minimum.

I received one of those ubiquitous mailings with checks from Chase encouraging me to cash one against my card on which I owed $300 and had a $1,500 credit limit. I was finally short enough one month to take advantage of it. I put the check in the bank on the 14th of May. The very next day, I got a letter, backdated to May 1, stating that my credit limit had been lowered to $500. Oh my God!

We have been paying on our Chase MasterCards for quite some time. We have never been late on our payments and have always made our payments. We have four accounts with Chase that have a low-fixed interest rate until they are paid off. Our payment per month has always been 2% of the balance on each account. As of this month, they expect us to pay 5% of the balance of each account which adds about $1,500.00 per month to our payments. There is no way we can pay that much more without going bankrupt. We do not have that kind of extra money. What can we do? This seems like a loan shark tactic from a national bank. Is this legal? And do I have any recourse without ruining my credit? Thanks.

I too, was a former WaMu credit card holder. My first bill from Chase included a $39 late fee for a bill I never received and a new 33% APR. I emailed them explaining that I had never received a bill. I figured it was just an oversight due to the transition from WaMu to Chase. All they did was send me a copy of the bill. Meanwhile, I've been making all my payments to Chase on time, and was notified last week that after reviewing my credit, my account was closed. Very disgusted with the entire Chase experience.

I'm a customer since 2001 - no late or missed payments, excellent credit. Credit limit of $17,000, debt of $7,000. Purchases and two balance transfers on the card for a 5% APR between them. Received minimum payment in August of $384.00 when it had been $160.00. I called and was transferred to "special payment department" and was told I could either default or do a revolving loan at 2% for 5 years, paying $130.00 monthly and voluntarily close my account, terminating the card. According to them, my credit check will show that I voluntarily closed it as opposed to them closing it on me. I think that this was unnecessary on their part and hopefully, will harm them in the long run. I'm aggravated that they chose to close an account with someone who was accountable for debt incurred and cares about their credit card score. Bank of America wants to give me a card though!

I took advantage of Chase credit card's offer on balance transfers for a low interest rate for the life of the loan. Since they couldn't raise that rate, they have more than doubled my minimum payments. My minimum payments for the 2 cards I use in my business will go from my last payments of $646 to $1,615. Outrageous. It's absolutely designed to make people default on their payments, so they can raise the interest rates to the high 20%.

I received my September statement, and my minimum payment went from $250.00 to $715.00 a month. I called customer service, and they told me that due to the problems the bank was having, they were going to raise the percentage of my minimum payment from 2% to 5%. I have never been late or missed a payment. How can they do this. I am not able to pay $715.00 a month. What am I supposed to do? This is so unfair and wrong! How is this even legal?

I took advantage of a promotion, 3.99% fixed for life rate on a balance transfer; the minimum payment was 2%. As of August 1st, I was told that the minimum payment is now 5% of the balance. I called to inform them I cannot make this new minimum payment and was told if I changed my rate to 7.99 fixed until August 2011 that my minimum payment would remain at 2%. However, there is no guarantee what my rate will change to in August 2011. When I inquired if my minimum payment rate would change, the customer service could not give me an answer. Because they cannot guarantee me that the rate will not change, I do not feel secure in changing my rate. I do not have any other option than to default on my payments. This will mean that I will eventually have to file bankruptcy.

After my recent experience with Chase and reading some of the recent complaints, which certainly demonstrate Chase's commitment to unethical practices, I am amazed at our utter lack of recourse. Like most people here, I had a WaMu card that was switched to Chase. I also had recurring payments to avoid late fees. Since the change, the recurring payments were somehow interrupted (something with their system) and I was not only charged late fees but also raised my APR to a whopping, wait for this, 71.13%!

I received my Chase credit card bill last month and it had a late fee charge of $39.00. I called Chase and told them I did not get a bill for that period and asked if I could get the late fee removed. After going through 3 levels of customer service (up to the supervisor), Chase said, "No way!" I decided to pay the credit card balance in full. A month later, Chase sent me a bill for a couple of dollars, probably for interest, and I paid it. Thank God I had enough money, unlike others, to pay them off completely. I felt that Chase intentionally did not send a bill for that period so they could get $39.00 and increase the interest charge. Note: this has happened once before with another bank (BOA) and they removed the late charge based on my credit history.

This is about the 2 to 5% monthly payment increase to start in September 2009 - with absolutely no defaults ever with Chase cards used for balance transfers at locked-in, low interest rates. I am a retired pharmaceutical manager and will turn 70 years of age on **. We currently have two Chase credit card accounts that we have had for many (the largest balance one for 10-plus) years. We have used these two cards almost exclusively for cash transfers (checks) because their offers have always been for "life-of-the-loan," locked-in, low interest rates of 3.99% to 6.99%. We have never been late on a payment, always paying a minimum range of $10 to $100 more than the required monthly payment. Never has there been any default on either account.

When I received my July statement, I had noticed that my interest rate went from 11.99% to 18.24%. When I contacted Chase to inquire as to why I was informed that sometime during the year, I had received a notice that my rate would be going up and I had until 6/22/09 to opt out. I never received the notice. I was informed that I would hear from Chase in about 10 business days as to whether or not they would give me my previous interest rate. As of 8/16/09, I have not heard back from them. I just opened my August statement to find that my interest rate is still at 18.24%. When I contacted them, I was told that it would take 1 to 2 billing cycles for me to see if they lower my interest rate. I have never dealt with such a poor credit card company.

For no reason, greedy Chase has raised the minimum monthly payment from 2% to 5%, almost triple (in an already sick economy). After enticing with multi checks that could be written on the account at 2.99% to pay off other debts/card debts, they had no prior literature that payment would increase, except for the sudden and very unwelcome letter we received on June 24. There was nothing with the many checks they have sent us in the last couple of months encouraging us to pay off other debts. There is nothing on the back of the monthly statements regarding payment increases or adjustments.

Several years ago I had a Chase credit card. My payments were approximately $35.00 a month and I had quit charging anything in order to pay it off. I had a bill get shredded by a postal sorter, so in good faith I believed the bill was paid up until I received my next bill on the same day the postal service sent me my shredded payment. Chase had raised my interest from 7% to 29% and lowered my credit limit to way below what I owed them and so they charged me an over the limit fee, a late charge and attached a finance charge not only to the balance but also the over the limit and the late charge.

I have/had a Chase Freedom credit card, which I paid off entirely every month. I have never been late on a payment on any credit card from any company ever in my entire life. I opened this card less than a year ago so my purchase APR on this card is 0% also, not that it matters since I pay off my entire balance every month. Last month, I accidentally put in the wrong account number when paying my Chase credit card online. A few days later, I noticed the payment was returned and I was slapped with a returned payment fee. I promptly made the payment and called Chase to explain the situation.

My account was transferred over by WaMu, and I "always" made big payments prior to July 28 when I was out ill and missed 1 payment being late. They took my 10% APR to 29% APR, and a payment of $76.00 is now a minimum payment due of $255.00 due by 8/28/09. My interest rate went from $22.00 to $100.00. I have made several payments in the past above and beyond, like my payment in June, I made a $250.00 because I had extra money. So I wanted to try to hurry up and pay this account off. So now, my balance is over $4,000.00 because of the late fee of $39.00 and interest. And they closed my account right after I paid the $250.00 in June and didn't send me a letter at all.

As everyone else, I have been screwed by Chase. I have dealt with these people for many years, have paid every month on time, and paid more than required. And then, they pull this dishonest carp on us. My balance is substantial, and payment was about $445 monthly until this happened. I have been paying $600 monthly for a long time. Now, it is $1051 per month. My agreement on low-rate transfers was until paid in full. If this is not a breach of a legal contract, I don't know what a breach of contract is.

I was offered the chance to take a loan on my Chase credit card at a very low interest rate. Chase credit card has now more than doubled the minimum amount to be paid monthly on their credit card accounts. I called to complain and was told that the only way I could revert back to paying only 2% of the amount owed was to allow them to increase my interest rate to 5.99%, non-negotiable. I spoke to Sanju ** (could not give his last name). His title is financial service advisor. It's just great how all the TARP funds are helping the American consumer!

As many Americans have found out this month, our minimum payment due on our Chase credit cards has more than doubled. I am including myself in the complaints being filed for this anti-American unfaithful bank. When I chose Chase for credit needs, I was totally pleased with their standards. Now they are in line with the greedy banks and corporations of this country who are putting single mothers with children, the elderly, the sick and the poor to lose their pride, homes, cars, and respect due to the lack and concern for their customers who made them rich. My monthly payment went from $158 a month to $377 a month (I'm one of the lucky ones). That is 138% higher than I had to pay last month.

My husband and I have a Chase credit card. We have always paid more than the minimum balance and on time. We just received our monthly bill and found that the monthly amount has more than doubled! I called, and an operator trained to make good paying customers appear faulty told me that Chase needed their money and that was why my monthly payment was increased. She told me that a letter was sent informing us of this, but no letter was sent. I told her that if Chase was unable to lend money with a low APR that they shouldn't advertise it and then change their policy in the middle of the time agreed to pay the bill. She gave me a number to call for people who are having financial hardships.

I just got my August credit card statement from Chase. I bought my son a used car using Chase's promotional fixed interest rate of 5.99%. For almost a year, my monthly payments have been 2% of my balance, which put them at about $130.00 a month. This changed dramatically with my August statement. Now, Chase wants me to pay 5% of the balance each month plus my usual low finance charges. This puts my monthly payment at $321.00 a month, a $200.00 increase, which my budget cannot afford!

I started a Refinance on April 10, 2009, was locked in and told I qualify. I paid a fee of $750, then was told they did not like the loan, to provide more information and each time I did immediately provide, only to wait for a response weeks at a time. Each time, I was being told the loan was a good solid loan but the underwriter won't sign off on it. The processor does not understand why I needed this money to debt consolidate and home repair, and have been pulled up and down like a yo-yo from the start with no answer in sight? How is this legal?

My husband has a Chase Credit Card, which he got through Amazon. All the same things happened to us that have happened to other disgruntled, credit card holders, of this company. We received a letter regarding retroactive rate hikes, which we had done nothing to deserve. I called the company. I got the same runaround that everyone else got and heard the same rhetoric.

We took advantage of a low-interest transfer offer (4.99% for life of balance). We made regular payments in excess of the minimum each month on time, and Chase more than doubled our minimum payment taking it from $255/month to $626/month. It is absolutely unconscionable. This will cause even greater strain on our finances. Yet transferring this balance to another account would only satisfy their objective, so I will try to pay as best I can.

I have had a Chase card for years and never had a late payment. I had been paying approximately $335.00 to my account monthly. I received my bill for September with a balance due in the amount of $872.00. I was outraged and when I called the customer service line to inquire about this, I was treated very poorly. The rep was rude and said a letter was sent on June 22, 2009 explaining the interest rate was raising from 2% to 5%. A letter was not received at this house! I cannot believe that all of these people are getting away with swindling customers like this! There is no protection for the consumer. I already have a complaint in with the Federal Trade Commission and my attorney general from a previous swindler from 2 years ago and have not heard anything from either organization! So much for help for the consumer. I am on a fixed income and cannot afford to payout an extra $600.00 a month. This is just horrible! It's causing me anxiety, heart palpitations and sleepless nights!

I took up two credit cards, WaMu and Amazon credit (now property of Chase). I had never been late on a payment for over one year! It wasn't until a recent related injury that put me behind in bills and soon Chase showed their true colors. In May '09, I was setting up for a debt management program offered through a different bank. I could not make the monthly payments due to lack of finances. I had a woman from Chase call me 3 to 6 times a day! Asking for a payment, she asked me, "Why could you not make your monthly payments?" I explained I had an injury and my medical bills were expensive. She proceeded to say, "Are you the type of person who is hospitalized for medication?"

I was a WaMu customer with a low interest rate but when Chase bought WaMu, my interest rate increased (doubled). Now my credit card has been closed by Chase. I have never been late nor missed a payment. The credit limit is $1,500 and the balance due is $940. On the letter they sent to me, one of the reasons listed is that they received my Experian credit report and say that other accounts are over the limit. This reason is false. The other reasons given are that balances on other credit cards are too high. Chase sucks, the worst company. Avoid this stupid company. Do not open any checking accounts, credit card or mortgage accounts. Put this ruthless company out of business.

I had WaMu credit card taken over by Chase - always was in good standing, I actually paid more than the minimum. Suddenly, on July 24, 2009, I went to use the card and got denied. I called after my embarrassment. They said it was due to my credit report's high credit balances. Nothing has changed over the last several months on my credit report. The letter came 10 days after they closed the account. I have now resolved to use cash only and I have recommended everyone to close all Chase accounts. They are definitely targeting former WaMu cardholders.

Minimum payment increased from 2% to 5%. Bank's representative offered me to give up my lower interest rate promotion in order to receive 2% minimum payment back. When I asked to talk with supervisor, customer service representative told that I will be connected, but it never happened. My suggestion was to keep the same percent of minimum payment, because I had lost my job on August 1st, 2009, and my family depends on one paycheck and unemployment that I will start to collect at the end of August.

My August 1st minimum payment was $196. I paid my bill on 7/22 in the amount of $300.32. Yesterday, I got my September 1st statement and it has jumped to $479, that's almost $300 increase. My husband had bypass surgery in October. I'm also a heart patient with other problems. We live on fixed income. This increase is a hardship on us. Chase sent email I could close account and continue to pay the $479 until card is paid. Well, maybe the account will have to be closed for non-payment because I don't have the extra $300. I figure food, roof over our heads and heart medications must come first. My next step is to contact all TX politicians, media (newspaper and TV) and consumer complaint groups.

I make the monthly payments for my 84-year old mother. The payment was due on July 12. I made the payment at 12:30 am on July 13. They jumped the interest rate from 4.99% to 27.24%. I called and after being hung up and transferred several times, I was told that no one could help me with this situation. It has been extremely frustrating and I can't seem to get help.

I was a long standing Washington Mutual customer. Once Chase took over, my credit card from Washington Mutual was closed. They raised the interest rate and then closed my card. I had a $2,000.00 balance on it. I was paying off my daughter’s wedding. I learned it was closed the hard way by trying to use it. I did not receive a letter until a month after knowing it was closed. I do not trust them, and I am looking at other banks. I have always paid twice a month and a lot more than the minimum. I have a Chase Disney Visa that once it is paid off, I will close it before they do it. When I first opened the credit card, it was not ever supposed to go above 11.99%. I was never late and then they raised it and now I pay a higher rate on a closed card.

Chase bought my WaMu account (which had never been delinquent, or over limit) in May 2008. They immediately doubled the interest rate, and refused to lower it unless I closed the account. I refused to close it. In July of 2009, I went to use my card at a restaurant (with hundreds available on my credit line) and found it was declined. When I called, they said, after a review they had decided to close my account. No advance warning had been sent, and no reason was given. Chase is the most horrible and inefficient outfit I have ever dealt with, and I told them so.

I have 2 Chase Visa accounts that I have had for over a decade. I've never missed a payment or been late on a payment. I seldom use the actual cards but periodically used their special offer checks with low interest rates to pay off other accounts or for large purchases. Suddenly, my payments jumped from 2% per month to 5% of the balance. I'm unemployed, have been so for over a year and my husband now has to make the payments for me. He is in business for himself and his business is failing from the horrible economy. I called to talk to them about the payment and was treated like some delinquent customer, no help but was given the runaround to call this other number and file for a hardship. They said a letter was sent but no letter was ever received. Now, my credit limit has been slashed to the current balance, thus making it look like I've maxed the cards out and it's affecting my credit score.

Chase took over the WaMu account credit card I had with WaMu who had given me a lower rate to balance transfer a high interest rate credit card. I paid on time to WaMu and to Chase even after they took over WaMu. Then, I got a letter saying they decided to close the account. I believe the balance was higher than they wanted vs. the credit limit. But this was done without notice or opportunity to do anything. Bad business. I obviously can no longer use the credit card and I would believe a closed account looks bad on a credit report.

My credit card was closed by Chase after they purchased it from Washington Mutual. They did so because I complained about my increased interest rate. I was told it was because they had determined me a bad credit risk and I was told I could pull my report on TransUnion. I did and found my credit is better than 97% of the country at a 779 credit score. I had never paid a bill late and always paid more than what was due and when I called to complain about the interest hike, I was told that I did not have an offer and I was a new customer to them even if I had been with Washington Mutual since 2001. I got no warning that my account would be closed and only found out when a direct debit charge for my gym membership was declined. I received a letter almost two weeks later dated approximately two days after the conversation about the interest rate.

My husband has had a credit card with WaMu for over 11 years. We have been married for 10 years and have always been in good standing with the card, never a late payment, and with a credit score over 750. We recently tried to use the card and were denied. When my husband called Chase, they indicated that we had "accumulated too much debt in the short time that we had the card." When we asked what was "too much debt," we were directed to obtain a copy of our credit report. This card had a $15,000 limit and we used very little of it and had paid it off very recently.

I have a fixed rate of 3.99 on my Chase. A few months ago, Chase increased the minimum due and imposed a monthly fee. I called to complain about the fee (I was already paying more than the new minimum) and was told I could agree to a 7.99% rate to get rid of the fee. I said forget it and paid half the balance on the next bill. Then Chase sent me a letter saying they had made a mistake and took away the monthly fee and reduced the minimum due.

Chase sent me a letter 4 weeks ago, letting me know that my credit limit for my $12,000 WaMu Platinum credit card was cut to $7,700. Till that point, I decided not to waste my time calling them. This week, I got another letter, that they will increase the interest rate from 9% to 20% and in the letter, it said that if I didn't like that interest rate, I was welcome to cancel the credit card, that way I may be able to keep my current rate till I pay it off. All that and I have this credit card many years. I have never been late, not even a day. I always paid more than the minimum amount, many times paying the card off completely and having an excellent credit.

I'm one of the lucky Chase credit cardholders who, with a FICO score of over 750 and having never had a late payment, just had my minimum payment on my Chase card balance transfer increased from 2 to 5 percent, $123 to $302.

I had my WAMU card closed also because of credit report (nothing has changed). I don't remember who I talked to because I was so mad. I always paid above the minimum and on time. All I want is for my card to be opened with the same credit limit or above. I want to take my grandchildren to Disneyland next year and was ordering tickets, airline, rooms, and a rental van, and anything else we needed. Please do something about this, I'm very upset about this.

It seems to definitely be a pattern with Chase, after they bought out WAMU. I had a WAMU credit card for several years that was changed to a Chase card. First, they changed my due date without my knowledge and caused me to incur a late fee, which I tried to get removed to no avail. I have never been late on any payment to WAMU or to the other Chase card I have. Now, they have cancelled my Chase (former WAMU) card. I did receive a letter, but after the fact. It's funny since I had 2 Chase cards, but they cancelled the former WAMU card and have left my original Chase card alone. As soon as I pay off my Chase card, I will never use that card again.

I received my billing for this month and they raised my APR rate from 17.99 % to 75.91% without as much as a letter or word to us this was happening. My normal payment each month is $73. They now want me to pay $243.43. I am on SSI and I cannot afford this jump. What can I do and is this legal? Who can I contact? Please help me. They are also charging me a SAC - Purchase Fin charge I have never seen on any other bills and never heard of this especially since I have not made any purchases with this card since March.

I had a credit card for 3 years with Washington Mutual with many special APR, with most being around 2.99%. As soon as Chase took over WaMu, my APR went up to 27%, and they tacked on my finance charge to the credit limit, causing the card to go over limit. They can't put the finance charge as a balance. It is not my fault the card went over limit. It was Chase's, and they would not fix it. So for two months the card went over limit (I was not going to pay for something I did not do) and I cancelled it, being told the APR would not go up as long as I paid on time (which I always did anyways). The next month the APR went up to 29.99%, and I was told it was because the card went over limit. Yeah, 3 months before the card was cancelled and all because Chase did not handle the problem in the first place.

Chase bought my existing credit card. I received notification of this by mail with no new contact information. I went online to make my payment (as I do with most of my bills) and the site was done. I went to Chase.com and my account number was not set up and I was unable to make my payment. So, I called Chase to make the payment over the phone and again, they did not yet have my information set up from the previous card. The next month, I received a statement with $180.00 in late fees with a due date of the prior day. I didn't even have one day to make my payment. I called 5x to no avail.

I had 2 Wamu cards. I used about 40 percent of any balance, paid more than the minimum (at least 2-3 times the minimum) and was never late. Chase took over and cancelled the cards. I bank at Chase. How can they make money if they keep on closing the Wamu, well-paid accounts? Usual excuse, too many balances and credit report. No justification.

We have a Chase credit card, which we used to purchase some baby items for our first and only child. We had used the card to nearly our limit of $3,000. We paid more than the minimum payment each month. My wife has returned to work after six months and we were able to pay $1,500 to reduce the card below 50% of its balance. Chase's response was to send us a letter reducing our credit line by 50%, which hurts our credit. Is this legal? We would not have paid them 50% if we had known this was to be their response. I am disgusted with their actions and our treatment.

I had two Chase cards, one MC and one Visa. 2 weeks ago, I received a notice that my MC was canceled due to inactivity and credit score, etc. Then yesterday, I went to use my MC, which I use for business and it was declined. The NSF I paid was over $4k just 4 days ago, which just happened to be the amount they lowered the credit limit. I am not late on these cards. I pay large amounts on them monthly. Obviously, Chase does not care that this affects my credit score more. I will use my other cards for business. Also, I will not ever consider Chase a bank to go to for any of our personal or business needs.

I was a longtime Washington Mutual credit card holder with low interest rate and high credit limit. Chase took over and raised the interest rate to 24.25% and cut the credit limit in half. I was never late on payments and always paid more than required, sometimes paying off the balance. The reason given for above, due to high balance and low available credit. It will be next to impossible to pay off the account balance with this kind of interest, might be cheaper to go to a payday loan shark! I only have three credit cards. This was the primary card due to low interest rate. Considering debt management plan since Chase wasn't happy getting paid promptly each month.

My wife and I have several cards now with Chase Bank. One of these cards was with Providian prior to it being acquired by WaMu. Through good payment history and good credit practices, our credit line steadily increased from a beginning limit of $500 to $9,500. Always made payments on time, never late and we recently reorganized our budget to allow us to pay $600 a month to start getting our card paid off. Well, after Chase acquired WaMu, all of our cards were converted over to Chase accounts. When we were mailed our new cards, we both noticed that our APR was increasing from 14.24% to 28.24%! We went to use a different Chase card to pay for an emergency vet visit for our dog and to our horror, discovered that Chase had reduced our credit limit by over 50%! From $5,500 to $1,400.

I am a former Washington Mutual credit card holder taken over by JP Morgan Chase. I had always paid more than the minimum and in June paid the balance off. I plan to continue to do this. My reward was to have my effective APR go from 19.24% to a whopping 45.69%. I had not been using the card in order to get in a position where I could pay the balance monthly. At these rates, I have to now. This does not encourage people to use their credit, which will probably cause the closing of the account. My credit score was available to me on the WaMu site, and before transfer to Chase I had a score of 752. I believe it is even higher now. Consequences: None yet, but I am very diligent when it comes to these things. I'll be the one in line that discovers the card is cancelled. I guess I should always have an alternative method for payment.

I called one of my Chase cards. Maybe because it was a cell phone and maybe because I haven't used the card in a while that there's a nine dollar charge on it now. They took my account number and let me ask my question (are you offering one point per dollar?) and then asked me to tell them my address from 8 years ago, the year and model of my car and the name of a relative. I said no to all and at that point, my card was on security block. Nobody would explain anything further when I tried back three more times. There was no supervisor. I was simply told that someone from security would call me sometime.

There is an alternative to paying the 5% if you cannot afford it. They have a hardship plan that allows you to pay off the credit card at 2% interest for 60 months. My new 5% payment would have been over $1100. With this pay-off plan, it is a fixed $389, which is less than I am currently paying. The account is indicated as closed by customer request, not by the bank. Yes, your credit score will take a hit, but not as much as it would if they closed it or you defaulted or filed bankruptcy. Call the 800 number on the statement and ask for the hardship unit. This link reflects a lot of people who have gone this route. Your score will always go back up over time. For Chase, they now get rid of a revolving line of credit that could go on forever but now has an ending date. It’s not what I had planned on, but for me it is the best alternative.

I received my bill on 8/13/09, opened it and the minimum payment due went from $139.00 to $342.00. There were no late payments or bad history on this account. I always pay more than the required amount, but to almost triple my payment?! Who the hell do they think they are?! And how is this allowed? I called them and after an 8 minute wait, I was told how they sent a letter in August and that they were raising the percent from 2 to 5. I never saw the letter, but even if I did, how is this right? I didn't agree to it.

It was my first time ever being late, a simple, honest mistake. 3 days late, the interest went from 3.99% to 17%, no negotiating. Chase will lose a valued customer. I currently use Chase for all my banking and all our business banking and mortgage. I am in process of searching for a new provider of these services and I hope others will follow suit. They are the ones that provided us with this line of credit at these rates. And now trying to force us into default, possibly to get the government’s money?

When Chase acquired WaMu, they raised my APR by 1% and now they are going to raise it another 6%. That is outrageous! Since I have excellent credit, I called them and got nowhere. I asked to speak to a supervisor, got one nasty guy on the phone that told me either put up with their APR raise or he would close my account! I told him that he couldn't tell me what to do and what not, so he got really nasty and I hung up the phone! I called their corp. office and they put me right back to card services! Why doesn't anybody put a stop to those rip off companies like Chase?

After sixteen years as a cardholder, having missed no payments and having accumulated a credit line of $22k based upon my previous credit history and debt to income ratio, I was less than impressed to receive a notice indicating that my credit limit was being reduced based upon lack of use. Keeping in mind that my income has continued to increase and the fact that my history reflects not one missed payment, Chase now believes I am a risk. While I used this as my primary card for daily purchases, I make it a point to pay my balance in full whenever possible. I only have this one card and have transactions of five to fourteen hundred dollars a month.

I have two accounts with Chase now that they acquired WaMu. Recently, Chase lowered the credit limit on my old WaMu account without any cause. They took me from owing about 56% of the credit limit to about 78% now. This will certainly result in lowering my credit score. I called and asked for an explanation and was told that it was due to some trends in my credit profile.

Approximately two months ago, Chase credit card randomly decided to increase the minimum monthly payment from 2% of the balance on the card to 5% of the balance. I have a low interest rate for the life of this balance, and feel that they are unfairly targeting me, and hoping that I will default on the payment so they can raise my rates. My monthly payment has risen from $270 per month to $600 per month.

Chase illegally increased the minimum payment from 2% to 5%. Can you look in to it? We will out of money to buy food if they increase our minimum payment. Please help.

Go to ** and click on the online complaint form. If everyone with a complaint about Chase does this, perhaps something will be done. At least, Chase may end up working with you individually. I can't stress this enough. I have had many of the same issues with Chase credit cards as others. I make my payments on time and always try to pay more than the minimum. I haven't used my cards since last fall as I want to pay them off. Last August, my online payments to both cards did not go through for some reason. Chase called when the payment was 5 days late (I thought I had made it) and I authorized them to take the payment out of my bank account.

I am a long-term Chase customer with a good credit with them. I have 3 credit cards with them. All had low interest rates with them. Last winter, I was notified that my Chase MasterCard rate was being increased from 9.99% to 13.24% and that I had to either accept the rate increase or I could choose to close the account in order to keep the prevailing rate. I opted to simply transfer the balance to a new card that I got through my credit union and let that go. A couple of weeks ago, I received notice that my Chase Visa with a low rate of 6.24% was going to be increased to 13.24% effective in October and that I had until August 19 to object to the increase! I called to complain and express my anger and was given the same option: either accept the rate increase or close the account. This time, I took the latter option and closed the account, but not without expressing that this will probably affect my credit rating and my ability to borrow in the long term.

Chase card has increased the minimum payment to 5% from 2%. I took out a balance transfer for the life of the loan, because they did offer a better rate. I have never been late on a payment and have always paid more than minimum. As a single parent not wanting to use welfare, I used my credit card. I was never in default. I have worked for 31 years and never accepted a handout, but this is going to make me default. I cannot afford 5%. Is there anything anyone can do? I have offered to close out the account to keep the contract as is, but they refused. With the economic downturn, our hours at work have been decreased; thus, less money. I can make the payments as they are now but cannot make 5% . From $200.00 to $500.00 is unreal.

My Visa card was cancelled without notification and the way I found out is when I tried to use it. I have kept it always on time and paid more than the minimum for at least 3 years.

They have raised my minimum due from 2% of the balance to 5%. I cannot pay this. I have never been late with a payment. I feel they are setting me up to fail so they can charge extra fees and cause me to lose my low fixed rate. I've had good credit all my life. I believe I will not be able to pay this increase and will lose my credit.

I too have been hit by Chase hard! I have a balance of $10957.35 with Chase. This card hasn't been used in over 3 years. I consolidated all my credit cards to a lower interest rate with Chase and was told the interest would stay the same until the card was paid off. It's not true! I got the notice yesterday that my payment went up from $235.00 a month to $538.00 a month! I was never, ever late. I paid it the day after it came in the mail. I paid more than the minimum amount and have paid more than $6000.00 on this credit card already. My husband is on disability, and I have an $8.00-an-hour job. No way I can pay $538.00 a month for this.

I had a credit card that I used checks on with Chase. The result was I had a $7000 balance with a 5.65% interest rate. They claim they sent me a notice in June that effective this billing, my minimum payment was going from 2% to 5%. That is more than twice the payment! They made a deal they couldn't keep and now I will pay the price. I told them I can't pay that amount and they offered to close the account and debt counsel me. Thanks for helping assist bankrupt America, Chase. Is anyone who is paying on-line and getting paperless statements getting these notices? I never missed a payment. I have had these accounts for over 10 years and also have my home mortgage with them.

I made my first late payment on a credit card that I have had for over two years. My APR went from 9.99% to 29.99% and the payment was late by two days. I spoke with three different customer service reps on different days asking that my APR be returned to the original rate as a one time courtesy. Each of them referred to my card member agreement and stated that they could not reverse the rate. Furthermore, each time I asked for a manager and I was told that there was no manager to speak with. I was also told to contact a debt consolidation company because they can negotiate on my behalf for payment assistance. I'm not behind on any of my bills. Finally, I emailed Chase referring to the credit card law that was signed in May 2009 and I received the same response referring back to my card member agreement and how my APR was properly increased. Is there any recourse at all?

Immediately after Chase took over my WaMu Visa account, my finance charge took a huge jump. Since I never carry a balance on that account, I let it slide. After several months of paying my balance in full and on time, I was charged a late fee in July, hours before close of business on the due date. Then, they credited my payment early the next morning, $39 late fee and $17+ in finance charges. I called to point out that the payment must have been received on time as it was credited early the next morning. I was told that it was Chase's policy to never reverse a late fee and it was a legitimate charge.

Chase arbitrarily more than doubled the minimum monthly payments due from 2% to 5% on my credit card balances with low permanent interest rates. I am wondering, like everyone else who Chase is screwing, how to pay this increase from $200 to now $500 a month. I can't. These charges do not take effect till the end of August. I will probably go bankrupt after that.

I just received a letter in the mail saying that my account will be closed if I do not bow down to their demands and that my interest rate will rise from a fixed 9.99% to a variable rate starting at 14.24%! These were not the agreements I originally applied to this card for. If I knew this was the case, I never would have taken the card with variable screw-you-over rates. I am far too intelligent to fall for that trap; however, it looks kind of like they have me over a barrel here because I do have a balance. And that with everything else falling apart around us, (USA and worldwide), I may find myself paying the higher rate due to insufficient funds. And at the end of the day, I will not be able to use my credit card for emergency purposes because it will have been cancelled if I accept the other terms within the letter. I have never ever been late on any payment and bill of any kind. I have a credit score in the high 700s that I have worked very hard to get and now it seems the banking mafia cartel is coming to ruin this for me.

About 7-8 years ago, I transferred a sizeable bank-issued private student loan balance to Chase, for their promise of a low interest rate for the life of the loan. I have never missed a payment, often paying more than the minimum balance. My jaw dropped today when I opened my statement and noticed the minimum monthly payment increased from $126 to $310. I called and eventually talked to a supervisor in a Texas location and I must say, Chase needs to do some humanitarian changes to their script they give these folks. I was told that it was my responsibility to manage my debt and that because this was an unsecured debt, that Chase has the right to ask for the entire balance due within 30 days at any time. Just because they have the right, doesn't mean it is right!

On July 21, 2009, I received a letter saying that my account was closed. Chase also raised my interest rate to 29.9% prior to closing my account. I have always made my payment on time and also have 20 good accounts on my credit report. I have asked Chase to re-open my card or to lower my interest rate so I could pay off in a promptly manner. They ignored my request forcing me to consolidate the balance with a consolidation agency so I could pay off the full balance at a low interest. I find Chase to be unethical in their practice forcing me to find other alternative than working something with me.

Chase sent a notice that included a change from a fixed APR of 9.99% to a variable of prime plus 12.99%. I have never been late with any payment. I usually maintain a zero balance. I wrote a letter of complaint to Chase and within six days, a letter was sent to me saying that I had asked that the account be closed. My letter did not ask that my account be closed. It seems the credit card companies are making these changes to beat the new credit card law that takes effect February 2010.

I, too, was one of many who opened their monthly statement and saw my minimum monthly payment go for from $252 to $620 a month. I, too, will not be able to pay this high amount. I only transferred the high rate balances to this card for a low fixed rate of 3.99% and 4.99%. They suggested maybe I needed debt counseling. I'm very disappointed and have lost sleep over this and have no idea what to do.

My wife and I have three credit cards with Chase. The terms changed from 2% to 5%. We contacted the BBB, the OCC, and the attorney general. The BBB and the OCC contacted Chase and forced Chase to write you a personal letter. They write a bunch of ridiculous excuses for why they need to increase the minimum payment, and their offers are ridiculous too, but it made us feel better that they were forced to respond to our complaints and we are hoping the BBB, the OCC or the attorney general will realize Chase has acted illegally and outside the bounds of the original contract we all signed.

Chase raised my interest rate. I’m not happy with that, but I continued to pay the cards on time and always more than the minimum. Now, this is what I found to be abhorrent. Shortly after raising my interest rate 10%, they closed my accounts with no notice. Suddenly, my cards were not working. I called and asked what was going on. They informed me that they found me to be a risk and elected to close my accounts. I have never been late and always paid more than the minimum - risk? Fine, but the fact that they decided to raise my interest weeks prior to closing my accounts is what I find disgusting. They had not sent a letter that my accounts had been closed as they stated - but I did receive a letter stating they were no longer offering me payment protection. I am paying the cards in full by obtaining a lower interest loan and closing the door, but I cannot do this in good conscience without notifying you and other agencies of this morally reprehensible practice. I cannot believe this is an accepted business practice. They should be ashamed.

I bought a $4499 item from an overseas merchant and paid via PayPal using my Chase Visa. The transaction was placed under dispute because the merchandise was unsatisfactory but the merchant did not cooperate with my efforts to return it. I was constantly in touch with the Dispute Dept. The situation appeared under control and I thought that I would get my money back, but, all of a sudden, they informed me that the case had been closed. They couldn't do anything more for me and that I should seek other recourse against the merchant. Needless to say, I am furious over this.