Chase Credit Cards Reviews

I opened my credit card account almost 10 years ago with Providian then WaMu took over and Chase. I have never been late on a payment and always pay more than the minimum. Last month, I went over my limit by $8 and received a $39 fee for it. I understand and made no fuss about paying it. Last week, I received a letter advising me that my interest rate will be increased from 15% to an outrageous 30% in January. I called three different times and spoke with everyone I could about stopping the increase as it was a small error and I have always been a loyal client. All I got was "Thank you for being a great customer but there is nothing we can do." This is just plain wrong and can't believe the way they have handled my situation. I will never deal with Chase again and will make sure to tell as many people as I can about this outrageous behavior. I will stick with Capital One from now on as they have always been great to me even when I did make an error. Chase Bank should be ashamed of themselves!

Chase Bank is trying to trick me by offering me 60% off my current balance when their debt collector, Valentine & Kebartas, Inc., sent me a settlement offer which they said is approved by their client Chase Bank. I called Chase and asked them if this is true, and their reply was that I have to deal with the collector. I stopped paying Chase when they keep on adding some bogus charges. If I pay this collector, there is no assurance that Chase will honor it and I will still owe Chase the 60% that was deducted. Does anybody had this offer too? I think it is a trick.

I have 3 Chase credit cards. When Washington Mutual was taken over by Chase, my credit card went to 29.99% interest. For no reason at all, the other two Chase credit cards were changed to 29.99%. I pay my bills when due, am never late, and I can't understand why they are charging me so much interest. They did tell me that in 6 months they would evaluate my credit and possibly lower my interest rate if I paid them directly via the internet? I pay my bills electronically through my bank - I don't need to pay through Chase. I am hoping by the end of next year, I will have the cards paid off. I will never, ever have a credit card from Chase as long as I live. I cancelled my checking account with them and went with a better bank. What has happened to this country? Chase should be ashamed of themselves.

I was out of town in the summer and during my trip, my checking account was compromised and my account drained. Long story short, my Chase CC payment was one day late. Rate went from 3.99% to 16.24% + late fees. Similar story to everyone else, I called and figured they would understand and do the right thing. Not the case at all. I went round and round in circles with the patronizing ** on the phone until she used the ploy "you can write a letter to..." to get me off the phone. By the way, if they give you this option, do not waste your time. It does absolutely nothing!

I have two Chase cards. One account, I closed several months ago when I was given the option to close or have my interest raised. Interest was 8.995%. I paid all payments on time. In September, they raised my interest to 17.99%. I immediately called customer service and was told it was a system's error and they would send a corrected statement and roll the interest rate back to what it was. I even received a letter from them saying, "Thank you for bringing the error to our attention." I never received a corrected statement, so I called customer service again before I made the payment as it was considerably more. After I explained the situation, the man I was talking to finally agreed I should pay my normal payment which was $182. I paid it on time.

Chase is a bank that has decided that money has to be made at all costs. We, their customers, are only the means to reach their financial goals. They simply have no respect to the relationship they have with their customers. I am a dentist and I have been a Chase card holder for about 20 years. I went overseas to take care of dying father for three week. When I returned to the States, all of my bills were due. I paid my bills immediately. I realized that Chase bill was due the day before. I called to make a phone payment. They said that it will be posted tomorrow and my interest rate will be increased from 3.99% to 29.9%. I attempted to reason with them but they simply would not listen. I had to pay the entire balance of $20,000 to avoid the high interest fees.

Since 2002, Chase Home Mortgage (claiming smart policy making decision) has started offering 100% financing, which was the worst decision Chase could ever make. I knew that day is not far when all banks will suffer and due to bank mistake, others will get punished for nothing.

We recently received our monthly statement and noticed that the APR had risen to 14%. Our terms of agreement when the card was secured was for a fixed rate of below 10%, and Chase reps repeatedly assured us it would not be raised. They said we paid our bill on time and in full. Now, they said because of tough economic times, banks need more than ever to compensate, etc. and we were notified of a change in terms. We were never notified ever and have repeatedly called to bring the rising APR to Chase's attention. They informed me that we would have to write a letter and fax it to a number they provided and maybe something could be changed. It was based on an individual account basis. Needless to say, I am very frustrated in trying just to get an answer and not passed off or lectured about the banks' tough economic times. Any suggestions? Or should we just cancel the card and move on? Thanks!

Chase/CardMember Service is forwarding credit statements to the incorrect addresses over and over again. It started with me in April 2009 and ended in September 2000. Then in September, not long after I thought this episode of "wrong address forwarding" had ended, Chase began sending a "strange name" credit statement to my home address. I contacted them immediately to correct the problem and they said it would be taken care of, but it wasn't. In October, I received the second "strange name" credit card statement from Chase. Once again, I contacted them about the situation and they said it would be taken care of. Again, it was not. Three days later I get a call at my job asking if this "strange name" person lives at my home address. Once Chase called my job about this matter, I told them that was the last straw and that I was going to open an investigation. That's when I decided I must contact ConsumerAffairs to look into their inaccurate and misinformed billing practices.

I can't say enough bad things about Chase Bank, I will never ever bank with them again and if any of my other credit cards are bought out by this bank, I will close it as fast as I find out they bought it. I have had a credit card with them since I was 18. I am now 39. I received a letter in the mail letting me know that they have chosen to close my account for no reason. I pay on time and I always send more than what they are asking for, and they informed me that my interest would be going up from 5% to 28.75%. I don't understand how they can change my rate after they close my account on items I bought at 5%.

I paid off a small balance of $41.67 to close my account with Chase and then got a bill for $1.00 with a 77.51% effective annual percentage rate. The $1.00 was charged as a finance charge and now puts a $1.00 balance on my account. What is with that? If I pay the $1.00, then will I owe 78 cents next month?

I opened my October credit card statement and found that my interest rate went up to 13.24% from 8.99%. When I called, the operator told me that a notice was sent to me in July. They raised the rate to remain profitable. Why is it my problem that this bank invested in some bad mortgages? I have never been late and actually pay early.

I called Chase about this, but I couldn't get an answer I understood. Last month my payment of $21.06 was due on 10/09/09 and the APR was 24.24% and the finance charge was $1.00. I paid the $21.06 and they received it on October 4, 2009. This month I received a bill (November 8, 2009) for $1.50. The full payment got there before the date due, but I still was charged the finance fee. The month of October the average daily balance said $32.01 and the finance charge was $1.00. This month, November, the average daily balance of $13.51 was $1.50. I don't understand why I was charged or why on a lower ADB it went to a higher finance charge. Also, on the month of October 2009 the effective annual percentage rate (APR) was 37.48%. In November 2009, the APR is 133.23%.

I have had a Chase credit card for 8 years and have a balance of about $11,000, which was a promotional at 3.99% until paid off. Chase just raised the minimum payment from 2% to 5%, increasing the payment by $330/month. They will not allow me to settle the balance, but just offered to lower the payment back to 2% if I would accept a 7.99% interest rate. I wrote and told them I could not afford the extra payment, sent in the usual 2% minimum on time, and now they want me to take the 7.99% or threaten to increase the rate even higher, plus late fees, penalties, etc. I need to decide before my next payment 2 days from now. I have a home equity line with Chase and worry what will happen to that. They already lowered it from $240,000 to $150,000 back when they were still WaMu and I took the rest out and put it in a CD to keep it from disappearing completely.

My story is very similar to the other Chase credit card customers. I previously had 5 Chase cards and 3 with zero balance. Those 3 were recently closed by Chase with no explanation or notification. The other 2 carried a balance and had low fixed interest rates until paid in full. My payments increased from $150 and $200 to $375 and $499. When I called Chase to see why the excessive increase, I was told that they were helping to assist me in paying off my balance faster and thus paying less interest. I never laughed so hard in my life. I can't believe that they would expect anyone to believe this. I have never been late on any credit card payment and have the records to back it up. I'm glad I am in a financial position that I can afford this but Chase is getting way out of line with their tactics, lies and deceit to their customers.

I switched all of my banking over to Chase a year ago, as well as balance transfers for 3 credit cards. I have been on time always. I even convinced my HOA, which I'm on the board, to open their business account with Chase. I recently got notifications on two of my accounts that the interest rate was going up, but I was under the impression that it was only on new purchases. I did some balance transfers on the cards that had a guarantee for a low interest rate for the life of the loan. Now I find out that my interest rate has gone from 8.9% to 15.99%! I am outraged! I want to know if there is any class action against Chase for these practices or if anyone else has complained of this and what I can do. I plan on calling them tomorrow, but I have to say I'm not optimistic.

Within the last few months, Chase raised the APR on two credit cards that I have with them to 19% & 21%. They were previously generous with credit lines too with $11,000 on one and $9,000 on the other. The other day, I received two separate letters from Chase indicating that they were lowering my credit limits to $7800 & $3700 - both accounts will now be within $200-$300 of my current balance limits. I have always been an on-time, good paying customer, but what Chase (and others) are doing is creating greater possibilities for charging penalties & fees or defaults on accounts (like mine) if any payment is late by their definition, and/or for going over credit limits.

Chase bought out my old credit card company Wamu. I have good credit. I never made a payment late and I always pay over my minimum payment, yet with all that Chase jacked up my interest rate from 5% to 12%. When I called to ask why, they would not give me an explanation and they would not negotiate the rate at all. All they said is that I accepted the terms and there was nothing they would do for me. What good does it do to do everything right and still be penalized?! This is an outrage to people who try their hardest to meet obligations. So much for relief for consumers with the new credit card laws. Now, instead of paying off my debt faster, it will take me twice as long and twice the amount of interest. It is hard enough in this economy to stay afloat. This just makes it harder to put food on the table.

I set up for an automatic payment online on 10/9. I accidentally set it up to come out of my Chase checking account which had no money in it. The account overdrew and took from my Chase credit card $100 (charging me a higher APR and a $10 fee). After realizing the mistake, I called the bank and explained the problem. The lady I spoke with told me to make a payment from the account I had originally intended to pay from and then call back the next day when it had posted to get the other payment erased. When I called, I was told that nothing could be done because it "wasn't our fault" and that I could try writing in to get it resolved but that it "probably wouldn't matter". I promptly closed my account.

Back in 2005, I got an equity line from Washington Mutual. I always paid my payment on time. I had $20,000 that I did not use that was a cushion for me to open a business. I opened my business in 2006 with enough personal savings to pay my bills for 1 year (I also had no debt other than my mortgage). The economy turned sour and just when I needed that home equity money, they reduced it to the amount that I owed. This has caused me great harm financially as I then had to rely on credit cards to get me through some tough times. The cost of the interest on the credit cards and having to make so many different payments has caused me to take away much of the time that could have been spent working. I think it is a total violation of fair banking practices and they should be made accountable for my situation and the thousands of others they have caused harm to.

They gave me a Sunday due date, Oct. 4, 2009. I paid by internet banking. On Oct. 2, I could not schedule a payment any sooner than October 5. Last month, another credit card company let me do this. I believe this is the law. If you assign a Sunday due date, you have to accept the next day as being on time. However, Chase assessed me a $39 late fee. I am afraid that they will raise my 17.24% rate to 29.99%. This is what they did with my Chase Visa card in August. Prior to Aug., both of my Chase cards were always due on the 29th of the month. In July, they moved the Mastercard account's date to the 3rd of the next month which is what it used to be. Somehow though I budgeted for the one payment on my Excel spreadsheet, forgot to schedule it on the internet banking service. I didn't realize this till I opened their August billing. Is there any provision about them moving the due dates like this if it causes you to be late on a payment?

My issues with Chase started around April of 2009. I have two cards with Chase. One of my cards was not paid by the due date because of my own oversight. They charged me a $39 late fee, which was the first time since I have had my cards with Chase, formerly WaMu. I called to ask for a one-time fee reversal and they declined. They said that Chase does not reverse any fees. I told them then that I wanted the account closed and it has been closed ever since. Recently while out of town, I missed the payment due date by one day and again, they charged me the $39 late fee, which again was my fault. I didn't try to fight it, since I knew they would do nothing.

We used a customer convenience check with a guaranteed of 4.99% interest until the balance was paid off. Today, the interest is 9.24%. A couple months ago it was 7.99%. Each time I call them, they tell me they'll have to research the account, but I never hear from them again. I called them yesterday and they told me the same thing, “We will research your account.” I told them that they guaranteed the rate of 4.99% until the balance was paid in full and that is why we used the convenience check. I also told them that I knew that there was a class action suit against them. They say they'll call me back, but the rate keeps going up. Help! I used the check to buy a piece of heavy equipment for my construction company. The balance is currently $23,489.16. Chase informed me that I can just pay it off if I don’t like the interest change and I don't have that kind of money. The reason I used the check was to spread the payments out over years at 4.99% interest. What is to stop them from going to 21% interest? Help!

My payment due date was 10/4/2009. I set up an electronic payment to be made on the due date of 10/4/2009. The payment went through on 10/4 (which was a Sunday). Chase didn't accept the payment until 10/5 and are now charging me a $39.00 late fee. This is fraud! They give me a due date of Sunday and then charge me $39.00 for accepting it on Monday. When are these credit card companies going to be stopped from being able to charge people these ridiculous fees? Please note that I am an exceptional customer. I always pay on time and always make payments that are much more than the minimum.

We have a loan we have been paying for the past year or so, I recall. We had a not easy payment of $163.00 usual payment on October 31, our last payment that was set. All our payments have been done on a timely basis except for one which was done and was lost in the mail (we have a copy of the check in our check book). For all the loan, we have had all our payments on time. I called to get the account reviewed but the first operator was rude to me. The second said they were willing to help and sent it to a review board. Well, he kind of forgot. The third person was helpful and sent it in.

This is a copy of the email discussion I had with Chase Visa beginning on August 25, 2009. Notice how naive I was in the beginning. I actually thought they would treat a good customer with respect. When I get this account paid off, I plan to send them a final email telling them that I will never use their company for another thing and neither will my family/friends nor anyone who will listen to me. This was a wake-up call for me. I won't use credit cards as I have in the past. My relationship with credit cards is over. Original Message: "Hello, there is an error on this month's statement. The minimum due says $1,022 but it should be around $400. Please send me a corrected statement. Thanks."

I had 4 Chase cash advances for about $40k for the life of the loan at 3.99% and 4.99% fixed. Payments were 2% of the outstanding balance, no late payments - all cards were on Auto Pay. Suddenly Chase raised the minimum payment to 5% of the loan balance. They said it was to "help me pay off the loans more quickly." They said I could keep a 2% payment if I were to accept a 7.99% interest rate. I said wouldn't that then take me "longer to pay off the loan?" How was that helping?

I have good credit (702) and have 3 Chase credit cards all in good standing. I used BofA Auto Pay on all 3 successfully until last month when I changed one account and the number got input incorrectly. Chase sent me a notice that 2 payments had been declined. I called right away and made an over-the-phone payment and the person told me my account was fine, no reporting to the credit agencies and we were all good.

Despite having a stellar credit record (beacon score of 777), never being late, never missing a payment, Slate-Chase doubled my rate without informing me. The last card that did this informed me and provided the option to opt out, which I did. I closed the account and I would have done the same with this card, but Slate-Chase never notified me. I called customer service today and they told me that according to their computer, they sent out a notice some time ago. Well, I never received it and now my credit card rate has doubled retroactively to the balance.

I just received a Chase credit card bill for $621.99 with a late charge fee of $39.00! I am never late in paying my Chase bill, so I called Chase and asked them why the $39.00 late fee. Chase said that I didn't pay my last month's bill! But I never received a bill from them until now! I asked them to check my past records, that I always pay on time. Maybe this Chase bill was lost in the mail? So I asked Chase to delete the late charge because I just paid the present Chase bill of $621.99, minus the $39.00. But all their customer service agent refused and said that I should know that if I didn't get a Chase bill, I should still send in payment!

I had FIA Credit Card Services (Bank of America) do an electronic check withdrawal from my Chase business checking account without my permission. I went to Chase Bank and was informed that they could do that, so I closed my account and a month later, FIA did the same thing. Chase reopened the account and charged me overdraft fees, service fees. I want to bank and they told me they could do this anytime in a 60-day period. Then Chase withdraw funds from my personal account to cover their fees, overdrew my account and added more fees. Now they told me it's 30 days. It's almost impossible to close your account at Chase. All fees and money charged to a closed account, $435.00.

I recently saw where Chase had raised the APR on my Chase credit card from 8.49% to 15.24%. I have had this card since 2006 and never been late with a payment. I called customer service to find the reason for the change. They told me they sent a letter in June stating if I cancel the card, I could pay the balance at the original rate. If not, the new rate would be 15.24%. I don't understand how this can be legal if I didn't default on the original card agreement. This action seems criminal to me!

Chase Visa charged me a late fee of $39.00 on a credit card payment, which was not paid late. I paid my bill in full whereas my checking account bank records indicate the fee paid to Chase 2 days before the due date. When I contacted Chase, they informed me that they had posted my payment one day after my due date. No answer from Chase card services as to where the money was for the two days prior the due date. Chase refused to refund the $39.00 late fee. It would seem that Chase postpones posting my payment in their system until one day after the due date just to stick me with the $39.00 fee. I've never been late with a payment and thought I was a good customer of Chase. Chase customer service people do not listen nor care. I will look to take my credit card business to another bank. For those of you reading this, I highly recommend you take your credit card business elsewhere. Do not use Chase Bank if possible.

I had a Providian credit card for 12 years in great standing, the card which was taken over by Chase who at that time raised the interest rate to 31.99%. I worked very hard to pay off the amount I had on the card due to that rate. Just after paying the card off in full, I made a 1500-dollar purchase. As soon as I made that purchase, Chase canceled my account; however they never notified me of the closure. A couple of months later, I had paid all but $300 on the card and needed to use it again. The transaction was declined. I called Chase to find out why the card was denied and found that they had closed the account just after I made the $1500 purchase, Chase never notified me that they closed the account, even my statements stated I have a couple of thousand of available credit. When I asked about this, they would not answer, they also would not tell me why they closed the account. I would think they would have to notify you that they are closing the account.

I was divorced in 2004. Shortly before, I took my soon to be ex-wife off my individual charge card with the advice of the Chase rep, rather than close it out. It was Bank One at the time. Three years later, Chase called and said I owe $40,000.00. I never received a statement for three years and I never changed address. I had them send a copy of statements and sure enough, my ex-wife was removed off the statements and the checks. Chase issued her a card and never issued me one. Now she can't pay so they are coming to me. Well I had to protect myself and my property, so I filed a suit which is draining me but it must be done. I only want my attorney fees. This is stress to the max. They lied and said they are the ones that removed her off the checks and statements, but left her on the account to charge. I have dealt with this since March of 2007. Chase is very misleading and evil.

I was recently a WaMu customer and everything was going great. As soon as Chase took over, my payments went up. I called them three times to ask for some kind of help in sending lower payments like I was paying WaMu but they would not budge. I told them I would have to be late because the payments are too high and I have to wait to my other pay period to pay them. They really didn't care about anything I had to say. Customer Service is not like it used to be. I tried to be responsible and do what's right by calling and all they can say was, "Well, even if you did call, there's nothing we can do; it is what it is."

I had accepted an offer for a balance transfer from Chase that put my transfer at 4.99% for the life of the loan. I was paying just over 2% of the balance each month. They have raised my minimum payment to 4.99%. I have never missed a payment. Their alternative is to move to 7.99% and 2% payment. I am extremely angry that they are not holding up their end of the bargain and are punishing their good customers. This is going to cause their good customers into bankruptcy and I will never do business with them again.

Chase Bank warning: I had done all my banking in the past with WaMu and was very happy with the customer service over the years. When Chase Bank bought out the troubled WaMu, everything went wrong. Customer service went downhill, requesting a lower interest rates on credit cards never happened and that big corporate corruption feel came into play. Chase will find one weakness in your banking or credit cards and prey upon it. I have switched banks now and things are much better.

Increase of minimum payment to 5% is unsatisfactory. Abide by the original contract.

I did my banking and had a credit card with Washington Mutual for many years and never had a problem. Washington Mutual was, of course, swallowed up by Chase. I recently got a new credit card with another bank. I am going to cancel my credit card with Chase. I do not trust them!

I, apparently along with everyone else in the country, am being punished by Chase. I have never missed a payment and usually paid more than minimum amount due. Their reward was to change the minimum monthly payment from 2% to 5%, and increase their interest rates.

Chase raised my minimum payment from 2% to 5%. This is on a permanent low interest rate, until the balance is paid, card that I accepted their balance transfer offer on. Their "alternative" program is to keep the 2% but give up the low rate. Now why is this up for renegotiation? Based on Chase's willingness to accept the 2% minimum payment on higher interest rate balances, it appears that Chase really wants to raise the interest rate, not the minimum payment. I can't afford the increase in payment, so I am forced into the higher rate. I must give up the lower interest rate in order to afford the monthly payments. This will ultimately cost me thousands (not exaggerating) of dollars over the course of payoff. Sign me up for the class action lawsuit!

I've had a credit card with Chase for about 3 years. I had a late payment over a year ago and they raised my APR to 29.99% I called at the time and explained that I had lost my job, and they told me there was nothing they could do. I haven't had a late payment in over a year, have a new job and called to request my APR be lowered. They took about 10 seconds and said there was nothing they could do. Chase is by far the worst bank to work with. I called both Bank of America and Citi who I also had credit cards with, and they both lowered my rates and thanked me for being a good customer.

Chase took over WaMu. I had a credit card with WaMu. On that card, I paid for 2 years credit protection. I lost my job last Sept. and activated the program and have a letter to prove it. Chase took over, started billing me and now has sent me to Collections. I have tried to explain but no one is listening.

I have been a customer of Chase credit card services for over 18 years. 10 years ago, I started a checking account with overdraft protection. They have always been somewhat reasonable in helping me manage my credit cards. For the last several years, I have been making my payments on time and more than the amount due. That's what I was told to by their credit advisers. I have three cards with Chase. I have been punished for late payments, going over the limit, you name it. I learned the hard way, but now I'm in my 40's. I'm an adult with a fantastic credit rating and a perfect payment history. I thought I was safe with Chase Bank. They advertised billions of deposits strong. Well, I helped make them strong with my past record.

A couple of months ago, I reported the fact that Chase, which inherited my card from Washington Mutual, which in turn bought out Providian, had cancelled my credit card. I had this card over ten years and had not been late with any payments at least the past four to five years. Then this past week, I received my Chase invoice for another account with Chase showing it had increased my interest rate to 50.1%. There was no apparent reason for this extreme usury by Chase. I haven't been late on a single credit card for many years, only used about one-half of my available line of credit on this card. I believed President Obama had initiated changes so that credit card companies could no longer commit this form of legalized robbery. I'm an attorney and feel we should push for laws outlawing this usury and theft, and seriously punishing companies like Chase for committing it, or pull their licenses to be in business altogether!

Like a lot of consumers, Chase raised my minimum payment from 2% to 5%. When I called and explained that I couldn't meet this minimum, they told me they could keep my minimum payment at 2%. However, the rates would be increased to 7.99% until April of 2011, then go to the current rates. I declined this and told them I had no intention on paying anything on this account! If I'm going to ruin my credit rating, why bother paying anything? It doesn't seem fair that Chase can change the rates and minimums in the middle of the game! I've told them to close my account and I promise to not pay a single dime on this account, unless they go back to my 2% minimum.

Chase erroneously charged a CC I have not used in a long time. About a month later, they realized they had made a mistake and took the charge off. The problem was there was $1.15 interest accrued from the charge that they did not take off. When the $1.15 was not paid, they sent it to the credit bureaus. I do not receive a statement for this card and never received anything telling me any of this. I would not have known at all except we tried to refinance our house. I have called Chase several times to get this removed from my report and to send me a letter stating that this should never have been reported and was not a charge I had put on the card. I have been told twice both of these would happen. Two months later, I still have no letter and I have no idea if it has been fixed on my credit report.

We have a Chase Platinum MasterCard. We were notified of a rate increase from a fixed 5.99% for life to 11.99%. I called and went up the chain of command. They said they could do nothing for us unless we fall behind on payments. We've never missed, fallen behind or been late. The monthly payment has gone up about $50.00/month. My husband is making less money (downsized, had to take lesser paying job). Our home has lost value and now the mortgage loan to house value is too high to switch to a different card. We tried. We'll likely fall behind now because we can't keep up. Don't qualify for a home loan modification. This is a mess.

My credit card APR went from 7.99% to 14.99%. I called to ask why such a big jump. I was told that a letter went out to me stating that there would be a fluctuation in APR and that if I had responded, I could have locked in at the 7.99%. I told the gentleman on the phone that I did not receive that letter. He said, "I'm sorry, there is nothing I can do." So now my monthly payment went from $242 a month to $260. I've always been on time with my payments. I just can't afford $260 a month. He didn't even try to make other payment arrangements.

Someone needs to stop Chase from doing fraudulent charges. I received a late charge of $39 and finance charge of $41 on my card on 9/26/09. My payment was due on 9/26/09. My payment was mailed with plenty of time for them to receive the payment. The payment was posted on 9/27/09 which was a Sunday. You can't tell me they get mail on Sunday. Who get's mail on Sunday? So they must have gotten the check on the due date of 9/26/09, but still felt it necessary to charge my account a late fee and a finance charge. I spoke to Card Members Service but they couldn't care less. They said that my check was dated 9/22/09, so that is when they felt I sent it. I always postdate my checks to a couple of days before my due date, because I send my checks out early and I want them to be able to post when they get there, but they used this against me and felt that is when I sent it out.

Last month, my APR was 7.99%. This month, it has gone up to 14.24%. I called Chase and they told me that I was in good standing with them and actually had a high rating but because of the economy, Chase is raising its rates on everyone. I have never been late with a payment since I have had my card and I pay more than double the monthly fee. How are they allowed to get away with this? This is totally unfair to me, a good paying customer. I was told that the rate would not be lowered even if I pursued the matter and talked with higher ups. It is outrageous that they can do this to the consumers who pay on time and have good credit. I have friends who don't pay their cards and are filing bankruptcy. This rate increase is unfair to me personally as a good paying consumer. The government needs to step in now and act on this.

I was previously with Providian with no problems or complaints. Chase has raised the finance charge to more than 31%. My husband and my mother also had cards with WaMu and their rates have also been raised to 31%. How can a company get by with this? They are robbing the consumer.

I closed my Chase credit card due to very high interest and bad customer service. I asked them 3 different times after I paid out the balance in full to close the account. They refused. The last time, I saw a statement of $65 for an annual fee. Furious, I called again and asked them to close the account. They finally did this and cancelled the fee. This was deliberate in the hopes I would spend again. This should be illegal!

I received late charge on balance of $900 of $59. I was one day late! I've had this card for 20 years, never late before. They refused to credit back the charge. I'm tempted to charge $59 then not pay the $59. Let them take me to court for the $59, or just close the account!

Chase took over my bank, Washington Mutual. They closed my credit card account and raised my interest on this now closed account to 24.24% interest. I've been paying $500 per month to get this account paid off on my good efforts. However, with Chase jacking my interest to over 24%, they still take over $100 per payment on "Finance Charges"! If you check my credit score, I have good credit! I don't know what the problem is with Chase and why they would treat me like that after being a long loyal member to Washington Mutual! I always pay my bills and always will!

I tried to make an online payment on the due date (10/2/2009), and when I did, Chase said in order for the payment to go through on time, it would cost me $14.95. Otherwise, it said the due date would be pushed back to the time of processing. So I simply made a payment as usual. Then today, the 7th, while looking at my account activity, I saw a $39 late fee. When I contacted Chase by phone, a rude woman told me there was a 4 pm Eastern Time cut off date on the due date and that I had missed it. She absolutely refused to take the fee off the account. I hung up. I then emailed Chase with the situation and they also refused to cancel the late fee even when I closed the account.

Last month, I paid off my balance of $70.89 and today, 10-7-09, I got a bill of $1.50. They raised my annual effective percentage rate from 11.24% to 130.15%. Why? They said it was business practice. I spoke to 2 reps on the phone and they each said the same thing - in order for them to collect fees from me, they did this! Horrible! I was never late, ever! They are disgusting to do something like this and they should be stopped.

I have a credit card (originally opened through WaMu which became Chase). I have had the card since 10/06. I had to use it for moving and such and have paid more than the minimum every month since. Please note, I haven't been able to use the card since mid-Nov. - as I had reached my limit ($750). I continued paying as agreed. Once Chase took over, I've had late fees, over limit charges, annual fees which caused the majority of the aforementioned charges. I ran a report today through my Bill Pay service to find that since Nov of 2006, I have paid them $1766.

Chase Credit card increased my minimum percentage payment from 2% to 5%. I've never been late on a payment since receiving the card and have excellent credit. When I contacted Chase to inform them I'm on a strict budget after buying a home, initially, they informed me I had no further options. After complaining enough and being disconnected three times, I was offered an option of returning to the 2% minimum payment at a 3.0% higher interest rate, and then after two years, the floor rate is variable with an additional 3.0% increase in the floor.

I have never missed a payment and always paid more than the minimum. I was one day late when my mother died. At the time, I was using 50% of my limit. Chase reduced my limit to my balance and doubled my interest rate. Then they closed my account stating my balance was too close to my limit (their doing!). They are rude and refuse to negotiate a lower interest payment. My credit score has been affected adversely by showing an account closed by a creditor. They take $132 for interest only so if I pay the minimum payment of $182, only $50 credits to my balance. I am not able to pay this account down more quickly due to the interest rate hike. Why are these banks free to charge whatever interest rates they want? Where are the consumer protection laws? Where are the usury laws and regulations? I feel they are robbing me and getting away with it. I am happy to pay 10% but not 27%! Do I have any legal recourse?

For the last 8 months, I have been trying to straighten up my account with Chase and it seems like no one in Chase is listening to me. I am coming up with a conclusion that Chase deliberately has been charging me higher Interest rate. They also have been charging me every month, for the last two years, for the service I never requested. Every time I question the charges, they pass me to a different department. First of all, let me start with the higher interest rate I have been charged since April 2009. They started charging me $29.99 on my April statement. After making quite a few phone calls and sending them the computer confirmation printout that I was never late on January, February or March, they decided to drop the rate to a normal rate as courtesy. They made it seem like they did me a favor.

It is plain and simple that Chase sucks! My mortgage was with Chase, but thanks to streamlining, I was able to refinance and get my mortgage with another company. That is $240,000 they won't be getting interest on! However, I have 1 credit card with them that I closed, because they were going to increase the interest rate by 8%. I called and closed the card and they told me the rate would stay the same until paid off. Well, lo and behold, the next month there was a 3% interest increase. When I called them, they said they could add to the interest rate according to what the prime rate at the time was. I argued that that was not what I was told and they said I was misinformed. How can they be getting away with these atrocities? I cannot believe this company. My significant other has 3 cards with them, unfortunately, and missed the payment by one day. They increased the rate from 14% to 30% even though all the cards have been in great standing.

Chase took over my AAA credit card. I had a $27,000 credit line and a 3.99 interest until paid off. My balance is $5,400 and I have not used the card for 2 years or ever been over my limit. I used this card for my daughter's last student loan because of the low APR and payment. The payment went up 150%. This is highway robbery for middle America. I think they want to get out from under the 3.99 APR. The congress needs to take a look at this. Americans are being driven under by greedy bankers, so they can get their million dollar year-end bonus on the back of working Americans. Worse yet, it was the American public that bailed them out.

Chase doubled the interest rates on my credit cards. I have never been late on my my payments and paid extra every month on my bill. I asked them to return my rate to what it was and they refused. My payments have gone up more than $50 for each card. I have only been working part-time and now I have to either make a credit card payment and my Chase mortgage payment which they refuse to modify also.

A prospective lender reviewed my credit report and advised me that I would be given a higher interest rate due to a listing by Chase Bank. I reviewed the report and Chase had reported a credit over a card limit had been due with no payments from inception card date of 2000 to 2009; the account was marked paid and closed at lender's request. I called Chase Bank and was advised they had no records on this account as it was closed. I explained I never had a Chase account but had had a Providian card with the number listed which had been paid in full and closed several years ago. No one would assist me as there was "no information on the computer" and there was no way Chase Bank could take the notation off my credit report! I was advised to write to Chase Bank or Providian or Washington Mutual bank but it was doubtful any action would be taken re the credit bureau. Where do I go with this? To whom should I seek help from?

I too came over from WaMu. I have never missed or been late on a payment. Then I got a charge for over the limit which was only a few bucks over. I looked at my account and saw that what put me over was a $39 yearly fee. I had no warning about this charge and didn’t know about it. I don’t think I had a yearly fee with WaMu. Anyhow, I paid extra each payment to get it back down. In two months, I’ve paid over $100 for a few dollars over. This month, I was still charged an over the limit fee. I also got a letter saying they were going to raise my interest rate to 25.99% over prime. Also, a few other charges I don’t understand. They said that I could reject this and cancel my card and pay off my balance of $2013, the $13 is over limit. I feel that the only way to get back at these bloodsuckers is to cancel my card and make them pay hell to get the money I owe. Have a good day all.

I have had this card with Chase for over a year. My credit limit was $8,300 until 7/09. All payments were being made on time and in full. In July, they lowered my limit below my charges ($6,700), doubled my interest rate and tripled my payment. I was then unable to make my payment. I spoke with a representative from Chase in July and was told there was nothing they could do. The minimum payment would be $212, which I made by the due date. On my August bill, I was charged $177 in interest, $39 late fee and $39 OTL fee, even though my payment was made on time. Hence, no monies were going toward my balance.

I have a Chase credit card that has a balance still due; however, I closed my account about 2 years ago when Chase tried to increase my interest rate to 23.9% at the time. Therefore, my account is closed at the interest rate that it was at that time and 7.99% is what I need to pay off my balance at. This February Chase went ahead and increased my interest rate to 12.54% on me with no notice to me of any sort. I have never had a late payment with them and on top of it I always pay more than the minimum amount due each month. I understand that this is not legal and I intend to press charges, but I do not know where to start. Do I call the attorney general’s office? What should I do? I will not back down from Chase and fully intend to go to Court if need be.

In September, Chase increased our minimum payment due from 2% to 5%. We have 3 credit cards with promotional interest rates that don't expire until the balance is paid. In the aggregate, our payments went from $621 a month to $1,530 a month. When we called them in protest, they offered the old terms for payment if we agreed to an interest rate that was double what we are paying until August of 2012. At that time the rate would go to an effective interest rate of their choosing. When I asked why they are doing this, the representative said "We want to help you pay less interest." I fail to see how they are helping us pay less interest if they are willing to raise the interest rates to keep the same payment. Any complaint that was proffered fell on deaf ears.

We have a Chase Health Advance Credit Line. We have been making payments on time, according to the agreement since the onset (March 2008). We had about 3 payments to go and did not receive our monthly statement - therefore we failed to make a payment. The next payment had all the interest (approx. $1000) charged to us and an interest rate of 25%. We offered to pay off the principal but were told this was not an option.

Chase Credit Card recently increased my minimum payment from 2% to 5% of the current balance. The day will soon come when I find myself unable to make the increased payment. I will be forced into default and worse, bankruptcy. Before this, I had never missed a payment. I called the company immediately and spoke to the representative and his manager but it did not matter. I was told that Chase does not make any money off me with a 3.9% interest rate. I only took Chase up on the offer they made to me and I did it to pay off debt. Now I face imminent ruin and the worst is that I have another low interest card with Bank of America, so I just wait until the other shoe drops. 90% of Americans can't suddenly go from a $400 monthly payment to $1,000. There is nothing reasonable about allowing this to happen to those who pay on time. I read one complaint in which the writer said that they canceled their health insurance. Well, as an RN, I can tell you that your decision has left you within one illness from the poor house. I have given up all hope that we will ever have a White House that will stand to represent the working voter.

I have a $0 balance on my credit card, Chase, as of 9/20/09, has added finance charges to my 0 balance. I don't have a 0 balance anymore - now it's $10.39. I have tried to talk to them on the phone. They won't remove the charges. I have also emailed them. They won't remove the charges giving me some mumbo jumbo about it being charges from 30 days ago. I have proof of my 0 balance, and I have proof of their adding the finance charges and also written proof that they refuse to take the charges off.

I was pleased that CNN aired a piece on the Situation Room 10/5/09 concerning a couple that has a Chase credit card account and has been victimized due to Chase's tremendous increase in their minimum monthly payments. They have never made a late payment, but are now in serious financial strain, thanks to Chase. My wife and I are in the same situation as the couple I mentioned, only we have two Chase accounts with large balances that have more than doubled the required minimum monthly payment. This ruthless bank soaked up billions of our taxpayer dollars and this is the thanks we get! Does Congress care? It doesn't appear to.

I always had auto pay on my Chase card. I paid more than the minimum due but was unaware of their decision to raise rates. I have an excellent credit rating and was extremely distraught to get a notice from them saying my balance was overdue. My normal $250 payment was now over $600 a month. They tacked on a late charge, because I was unaware of the amount change and my $250 normal due amount is over $1,000 now. I would gladly join any class action suit against Chase and will cease business with them as soon as possible. I have considered them my favorite card for years and cannot believe in these difficult times, they choose to push people over the edge rather than help.

I have had a credit card with Washington Mutual for more than 4 years. I have never made a late payment nor have I ever paid the minimum payment on my credit card. My current interest rate on this card is 28.24%. I have asked repeatedly to have the rate lowered without success. I am told I am a credit risk. The consequence of such a high interest rate is that I am having difficulty keeping up with the payments.

I have a credit card account with Chase. There are several ways to use the account - purchases, cash advances, convenience checks and promotional offers. One year ago, I used a promotional check to help pay some of my daughter's college tuition. The rate on the offer was 3.99 APR for the length of the loan. One year ago, the balance for purchases on my account was $382 and my promotional balance was $1,290, or thereabout. Now, this is what I don't understand. When I make my payments, Chase applies them to the promotional balances. They use my payment to reduce the part of the loan that has the least interest. I understand that rationale. What I don't understand and what seems very much like criminal activity ( and I do mean criminal!) is that on each and every billing statement, my total for purchases keeps going up, and I have not used the account for purchasing anything!

I recently signed up for a Marriott Rewards credit card and made the first purchase. Prior to making a large purchase, I called up customer service to let them know. I inquired of my available balance for the transaction. I was even making a purchase on a Marriott-related property. They told me that I had the full credit limit available. I proceeded with the charge and was quickly notified that it was declined because it put me over the credit limit by $65, their annual fee that is not published on all of the marketing material. I called customer service to rectify the situation. They passed me on to three different representatives before they told me it was my fault for not expecting the annual fee to be included in my balance.

I received a letter in June '09 that my minimum payment was going from 2% to 5%. With a balance of $22,000, I was paying $450 a month and was looking forward to a minimum $1,080 a month. I called, spoke to a representative and they really don't care what your situation is. I cancelled my health insurance, took full coverage off my car, lowered my cell plan and stopped eating out as much. I'm paying them $1,300 and will be done paying before 2011. I actually want to thank Chase for giving me a rude awakening and now I am very determined to pay them off and close the account. Never again will I use a credit card unless it's an emergency.

I have written to this site a couple of times before. I had the same problem as many of you are having now. Fortunately, I had the money to pay these crooks off and it wasn't cheap. I made sure to pay my bill long before it was due and called for a payoff on it. I didn't close the account because I wanted to keep up with it online. After all this took place, I opened an online account with this card and I check it daily! I printed out all the information I might need if they decide to charge me any additional fees. I will not pay them another penny. I think $10,000 is enough and that is all they will get from me.

After receiving a notice that my billing date was changed to a later date, and not receiving a bill a week after my old payment date, I called them to see why I hadn't received a bill and when it was due. I was now one day late. They refused to refund my $39 late fee, but said my interest rate was not affected. The next bill, my rate had increased. I called and they reinstated my old rate, but in 7 emails have refused to refund a total of $160 in late fee and the difference in the amount of interest for the 1 month higher rate + any interest on the additional balance created by these fees. They are very hard-nosed and refuse to admit any wrongdoing or fault.

This acct. was actually my husband's but I have always handled it since he got it about 5 yrs. ago. It has always been a problem acct., especially in the last 6 months. The interest is now somewhere around 29% on it! Yesterday afternoon, I was called on my cell while grocery shopping and told that his payment had been returned from the bank. I asked some questions and realized I had scheduled it (days in advance I might add so as not to be late) from the wrong acct. We have 2 and only 1 is the operating one for payments currently. I apologized, gave her all the info on the other acct. and she proceeded to tell me that I needed to try to pay another $48 to keep it under the balance, but I couldn't hear why since I was in a store so I told her I would have to call her later when I was at home to hear her better.

I was charged a late penalty fee for no reason, even if I never used the card for a year. The customer services could not even help to explain the reasons and kept saying it was my fault. The worst thing, they just hung up on me twice. I felt very frustrated with the bad customer services they had and closed all the account with them. Chase Bank sucks. As a result, I paid the amount and made the complaint to everyone to not use this bad service bank anymore.

They upped my monthly payment to an outrageous amount. I called them and they said that they could up my interest rate and then I could pay less money per month. They are driving people into bankruptcy!

Chase Bank hiked up my monthly payment from $240 a month to over $600 a month. They withheld e-bills from my bank and have essentially made it impossible for me to make the payment, charged me late fees and are hiking up my interest rate too. So now my payment will be about what $700-$800 a month. I have been their customer for 20 years and never missed a beat ever! They have caused a snowball effect on my entire life. Every creditor I have wants to increase my interest rates, lower my credit lines or shut them down. I run a business for God's sake, I need credit. I can't afford that much of a payment increase, they have ruined my life! They are doing some shady stuff and need to be called out on it!

I was a WaMu cardholder when they turned into Chase. Since then, my rate went up doubling my monthly payment, which in turn did not help with my job cutting my hours. I tried numerous times to work with them to reduce my payments and even posted a payment with them on the phone and they assured me the payment would be taken out on a certain date and was not taken until a week from the agreed date. They then called and tried to get me to post another payment over the phone again. I refused, explaining the reason why and the man on the phone from New Delhi, India became extremely rude.

Well, here's my story: I had a lot of credit debt, some at fairly high interest rates, so I was always looking for ways to consolidate and reduce interest payments. I had two Chase credit cards. One was originally First USA and the other was a Sony Rewards card. The first Chase card had a balance of $6,000 which I was paying down at the usual pace, about 2% a month. I kept receiving these balance transfer checks with my statements offering ridiculously low interest rates for the life of the loan, but I was too smart for that. I knew if I cashed one of them, they would apply 100% of any future payments to the low-interest rate balance, and leave the remaining $6,000 balance to reap interest at the usual high rate until the low-interest amount was completely paid off. This would seriously impact my total interest outlay, and I knew it would not help me out very much. Well, I thought of a plan to outsmart them when the temptation to consolidate became too strong and I decided to use the balance transfer option.

I applied for a Chase credit card through a purchase at Amazon to save $30 on that purchase. 8 months later, I was receiving notices of cancellation of credit lines due to poor credit ratings. I have always had an excellent credit rating. Upon inquiry, I saw it was the result of nonpayment of credit card fees through Chase. I contacted them, and it turns out that they had been sending the bill to the wrong address all those months. I made the correction and received the bill, which now included interest and late fees, which I refuse to pay. I have offered many times to pay the original amount of the Amazon purchase. Chase insists I am responsible even though it was their error. My credit rating is now adversely affected.

I have recently received my credit card statement from Chase with a high minimum payment due and a late fee of $39.00. I have always paid my credit card on time. I contacted Chase to dispute the late fee and asked why the minimum balance was so high. They responded with a typical standard reply: "Thank you for taking the time to share with us your concerns regarding the increase in your minimum payment. Chase understands that the increase is of concern to you and wants to remain committed to meeting your credit needs. On August 01, 2009, your minimum payment increased to 5% of the balance. This was listed in a recent Change in Terms notice you received in June, 2009. There may be an alternate plan available to fit your needs. Please call the toll-free number found at the back of your card so that one of my colleagues can learn more about your situation and determine if an alternate plan is available. We look forward to hearing from you. We are available 24 hours a day to serve you."

It is never their fault. When they purchased Washington Mutual, they really messed things up. I stopped getting alerts, mail, phone calls for my WM credit card. When I logged in to my Chase account, this WM account was never transferred. My account went unpaid for four months. Did I ever get a call? No. Did I ever get any type of communication from them? No. When I called them, they denied any wrongdoing on their part. I have another card with them that I have been paying off online. I asked them to look into it. They pretty much didn't care.

I recently received convenience checks with promotional APR's 0% for 6 months and 3.99% for 18 months, and decided to use one and consolidate some higher interest rate cards. I paid off the balance on my Chase card, waited to be sure my account balance was indeed $0, and deposited the convenience check into my checking account. I waited for the funds to become available and then proceeded to pay off two other credit cards totaling $9,500. I accessed my bank account today to find that Chase declined the check I used, putting my checking account into a negative balance. They also reduced the credit limit from $15,250 to $1,000.

I have always paid my bill on time, never had any overcharges above my credit limit and now they have raised my rate from 16% in July to 20.24% for no reason other than to take advantage of consumers. I attempted to correct this unfair increase and met with resistance and refusal to change the rate. I have excellent credit. There is absolutely no reason for this increase. I am paying the bill every month and they are taking more than half of my payment in interest. This is nuts.

Chase sent me a promotional balance transfer check with an APR of 2.99% until balance is paid off in full. So I took 15,000 dollars to do my new business and thinking that I would pay off my balance within the next 2 years of period. Somehow, I had to travel out of states and I totally forgot to pay my monthly payment for that month. So when I got back home, I saw that my interest rate jumped up from 2.99% to 27.44 %. So, I called right away to find out why this happened. After calling Chase, I found out that the reason for getting higher interest rate was because of the delay in payment. I talked to their supervisor and she told me to call back in 6 months and so they can monitor on my account like if I was doing regular payments and so on.

I've had a Chase credit card since 2002 with a fixed rate of 7.99%. I also chalked up many rewards points which I've only used a few times. I received a notice that Chase would be raising my APR to 13.24% and so with my current balance as high as it is, I chose to close my account. What I never realized is that I wouldn't be able to use the 24,000 rewards points that were sitting in my account. They're gone now. And no one ever said to me "Are you sure you want to close your account because you'll lose all your rewards points?" Those were my earned points and they belong to me just as I'm expected to pay off the balance of the credit card even though the account is closed. It's fraudulent. I was told there is nothing that can be done. What a scam!

I was extremely happy with my WaMu credit card and the accounts services they offered me. Then Chase took over my bank and the accounts associated with it. In August, the wonderful people of Chase offered to move my due date to a more convenient date to help me out. That kind offer was the start of my troubles. I was able to move it to the third week of the month when I had no other bills due, that was a godsend for my budgeting. However, this apparently caused my account to have its finance charges adjusted due to the extra time between bills.

Chase sent me a promotional balance transfer check with an APR of 5.99% until May 2011. I had an available credit balance of $2,500 to use. To make it sure, I did call their customer service on Aug. 29, 2009 if this offer was still available. The one I spoke to told me that the offer was still there and I can use $1,900 on that credit available. I told him if he can just directly deposit it to my checking account as the balance transfer check with me was going to expire on Aug. 31. I even told him if he can just do a balance transfer for my credit cards with high interest intended for this. He refused to do it and just told me that it was still okay to deposit the check on Aug. 31, 2009. I deposited that balance transfer check with $1,900 on that day.

I have had loans with Bank One which is now Chase for 25 or 30 years. I have never been late or missed a payment in that time (usually paid more than the minimum). Imagine my surprise when my payments went from $258 to $635 a month. When questioned, they didn't raise my rate of 3.99% for life of loan but how they figured the daily balance of the loan. When I consolidated my outstanding debts, I thought this was the best because it was for life.

Chase nearly tripled my minimum due. I called them, and they said that if I would agree to a 7.99% interest rate for 2 years, I could keep the same minimum due payment. It was $83. It went to $203. I had been paying $150 a month, and I was never late. So, I believed what they told me and sent in an $85 payment. Next thing I know, I got a bill from them with payment due over $300 plus $60 fee added on for some reason! They promised me X percentage rate for the life of the loan, and they reneged. So am I. They can do whatever. I don't care! Because of them and American Express lying, I'm not paying either of them. I don't have the money, and if it comes between me having electricity and food or paying them, then I'm eating. Duh!

I was notified that the minimum monthly payment is to increase by 2.5 times! When it has always been 2% of balance due, now it's 5 % of balance due. When I called up their call center, I was given two options, leave it at higher payment amount to keep lower interest rate of 4.99, or keep current payment level of 2% of balance, but new interest at 7.99 % and that is only through 2011. How can they be allowed to do this? I am being forced to accept this, given that there is no other way but to pay the higher payment increase at 5% of the balance as minimum payment.

I have been using Chase credit cards for a long time. Suddenly, without any prior notice before changing APRs, they increased from 9.99% to 17.99% for a balance of about $26,000. I have another Chase credit card I use for daily purchases and without any prior notice, they decreased the credit limit from $7,000 to $1,000. I have been using this card for almost 5 years for everyday purchases and I always pay in full every month since the last 5 years.

My husband and I have always paid our bills on time. I am pregnant and I am not working F/T. My husband got "transfer checks" from Chase last week. He hadn't had a balance on the card and the limit was $17k. I used one of the checks to pay off my credit cards and the transfer rate was 0.99%. I deposited it into my bank account on 9/25 and it cleared on 9/28. I sent electronic payments from my bank acct. on 9/29 to pay the credit cards that I had so all would be on one card and I would only have to make one payment every month.

Chase has raised our minimum due from 2% to 5% of the balance. They indicated that they sent a letter stating this fact in June but I do not have a copy of this letter. I talked to the individuals above on 9/29/09. All three gave me the same options: deal with the new minimum payment or raise the interest rates to a 7.99% APR for two years and lower the minimum due back to 2%. This new rate would expire in two years, August of 2011. The rates on the card were promotional rates for the life of the loan as long as the account is in good standing. I asked them to go back to the original agreement since my account has always been in good standing, but they all said that was not an option. We have not currently used this card for any purchases and are paying off this card as quickly as possible. We are not able to accept the new minimum due so have had to opt for the new higher, limited time APR with the lower minimum due. I do not believe this to be morally correct as I have followed the terms of the original agreement and feel that they should be held accountable to do the same.

I have had the same business credit card (initially issued by WaMu) for years. APR approx. 10%. Chase just raised it to 16.9% on 9/1/09 and says they are not lowering any interest rates for anyone right now. Wow! That almost doubles my finance charges and my monthly payment. They told me I can always close the account and stop using the card or just pay it off. Bad business!

I have been a customer of Chase for many years with good credit. I was sent checks to use as I wish with the interest rate of 2.99% and 3.99% interest. I had a balance of $11,000 on my card. The minimum was always around $250. I always paid that or more. In August, my statement was increased to over $550 and in Sept. 9 to a minimum of over $850. When I called Customer Service and spoke to the rep and also the supervisor, I was told that they wanted me and other customers to pay more on their credit cards. There is no way that I can pay over $850 minimum a month. Is this legal? Can they really make you pay that much when you have always been on time and always paid above minimum? Please help!

I originally had a 0% interest rate for a 6-month period. At the end of the 6 months, the interest was scheduled to go to 9.99%. My wife and I were still recovering from being laid off for a year, so instead of paying it off after the six months, we let it go to 9.99%. This was in April. Suddenly in September with no warning, the interest rate jumped to 17.99%.

I originally had a fixed 3.89% interest rate on $23,000 balance. I was very careful to always pay on time and pay more than the minimum payment. I was told by Chase that the minimum payment would increase to 5% from 2% which doubled my minimum payment. However, they had a fix for my problem. I could agree to give up my fixed 3.9% rate for a 7.99% rate for approximately 2 years and my minimum payment would go back to 2%. After which, the rate would increase to 26%. It felt like extortion when I was told over the phone, but I am sure it was probably business as usual. This will increase your amount owed to them by 4% per year and possibly a great deal more.

This is a letter I sent to Chase’s correspondence department on 9/29/09 explaining my situation.

I had a Chase account and was offered a 4.99% interest for the lifetime of my transferred balance so long as I paid my payments on time. When I received last month’s payment, they doubled my minimum payment. I owe $7,752. I was paying $200.00 a month. Now, they want $387.00. I called Chase and they said that they increased the minimum payment to 5% of the balance due. This is very unfair and should be stopped as soon as possible. This is the way they reward my good credit and the credit of others that are trying to meet their obligations. Hello, I didn't come here in a banana boat and I and many others deserve better treatment.

I was in LAX airport about to fly to a family reunion when I tried to use my Chase credit card and it was declined for a $14 purchase. Knowing I had over $8K credit limit and less than $4K on the card, I had to call the number on the back to find out why. I have had this card for more than 10 years, originally with WaMu (I miss you guys). It was my first card and over the years, I have been faithfully making payments (well over the minimum) and building my credit. The original credit limit was $500 and with a perfect payment record, I now had a limit of $8,500. I was informed that because of my credit report, my account has been closed and they sent a letter. That was on July 10th.

I had an initial contract with Chase for balance transfers at a 3.99% fixed rate until the balance was paid. The minimum payment was 2% of the balance. I used the checks (same agreement) and transferred funds to a total of about $12,000. During the past few years, the percentage has been rolled over to advances and purchases. Neither of which was utilized. I have never been late or missed a single payment.

I have a mortgage as well as an equity line, a bank account and a credit card, all from former Washington Mutual, currently J.P. Morgan Chase. I've been paying my mortgage as well as my equity line through an automatic debit option from my Washington Mutual bank account for the last 6 years since I acquired my current home. Until July, everything was fine but apparently, in July 2009, WaMu changed the routing information for all checking account holders, my credit cards and my equity line, and one, of course, would have thought they were going to do the same with the loan mortgage account automatic debit instruction. But the fact is that they failed to do so although they are the same bank.

My son and I have a total of 3 credit cards with Chase. We have never missed a payment and always paid 2 to 3 times the minimum amount due. I used the cards for medical emergencies. My son has cerebral palsy and is in a wheelchair. Cards 1 and 2 have been canceled, but you would never know it if you look at the statement or online. The paper and online statements do not reflect closed accounts and in fact, the accounts look like they are active. Each payment I make reflects an increase in the available credit. Nowhere does it say the accounts are closed. Chase said they sent a letter. I don't remember receiving one. The letter should not matter because the statements are reflecting deception.

The company raised the minimum payment from 2% to 5% without prior notice, then held back September's (2009) statement to force me into a late and compounded payment of $1,487. The original offer that they gave me from clear back in 2006 was 3.99% for the life of the loan. I contacted Chase on 9-27-2009 and spoke with Sylvia and explained that I could not afford this payment. She offered to return my minimum payment back to 2% but my percentage rate will now be 7.99% until August of 2011. She would not reveal how much the interest would be after that date. I had to verbally agree over the phone to accept that so my payment will return to 2% of my balance.

Two months ago, I missed a payment for the first time. There was no forgiveness, and it cost me $39. Plus, I lost my 0% rate. When I called, they said a late fee hadn't been added yet. So for extra money, I paid a large amount over the phone. I don't think I ever pay the minimum. None of that mattered, since they did not grant me an "oops." Last month, my payment was due on the Sunday before Labor Day. They said they received it on Monday, the 7th. Once again, there's no forgiveness for a Sunday or holiday. I've heard stories where they are told to hold payments to get the late fees. I guess that makes me the fool. I've closed the account in hopes of avoiding any sabotage they might do until I get this paid off. I'm not sure if mailing it 7 days in advance is good enough anymore. I miss WaMu.

I have been unemployed for over a year. I took the time to call Chase Card Services to on 3 different occasions to tell them of my situation. I asked that they eliminate the enormous finance charges so that I could pay my $5,000 balance down much quicker and easier for my current financial situation. Each and every time, they were not only rude but arrogant. I ended up using foul language and extremely angry and upset. They received billions in help and refuse to help someone with a paltry $5,000 credit card balance that has always made their payments. Even if they were only minimum payments, they were payments made nonetheless. I offered to pay if they would help a little and they refused! Now I do not know if they will ever receive another dime for me.

First, Chase lured me into moving my car loan with a 3.99% APR. Then after 7 months of perfect credit paying on time, they offered me a one-time skip a payment which I did. The next thing you know, they raised my minimum payment from 2% to 5%. This cannot be legal. I signed up on a 2% minimum payment. I've called twice, they refuse to do anything. The man I spoke with said many customers are angry. It's outrageous when we have bailed the thieves out. I'm really mad. This should not be allowed especially when so many of us have lost our jobs! I always pay my debt and have excellent credit. It's outrageous and wrong!

In April 2009, I transferred about $17,000 to one of my Chase Credit Cards, taking advantage of a special they were running with 0 % interest until the end of the year. I paid more than $400.00 in transfer fee. The following month, we went to Sweden for three months. I scheduled payments to be made monthly before the due date, which had been the same for more than a year (the 23rd of each month). The amount scheduled each month was $500.00, which was much more than the minimum payment. Coming back home, I received my September statement and was shocked to find out that the due date had been changed in May - the first payment after the transfer - by five days to the 17th, thereby, making my payments late! Since I did not see a statement for three months and had scheduled the payments according to the due date, I had no reason to believe that anything was wrong.

Chase just keeps raising out interest rates. We have a total of 4 accounts with them. Two of them used to be WaMu accounts, and two of them used to be the Circuit City Rewards Visa accounts, until Chase took them all over. We have absolutely perfect payment history with them, making over the minimum payment amount. This is unfair and we feel that someone needs to stop them from doing this. They are robbing their customers!

I received a letter from Chase credit card department increasing my minimum due from about $100 to $497 and also decreasing my line of credit. When I called, the representative told me that the reason is because of high balances in other cards. I have never been late and always pay my bill upon receipt. I also always pay more than the minimum due most of the time duplicating the payment or sending two payments instead. I told the representative that I feel it is unfair and that I make $105k a year. They showed no concern whatsoever and kind of cut me off. I had two accounts with them. I paid one in full in a matter of few months. I also requested closing of both accounts. I'm concerned because all they are doing is abusing good customers.

Chase took over my personal and business WaMu credit cards. I've never missed a payment and usually paid $100 more than the minimum owed. One day, my personal card got declined. I called Chase, and they stated due to my credit report, they have to cancel my card. Well, it's a funny story 1 week later when I'm approved for a brand-new 2009 Chevy Silverado fresh off the lot with 21 miles at a decent interest rate of 7.99% for my age, 23. It's not too bad. Anyway, I was really frustrated about it and paid off the entire card in 2 months' time. The following month in paying the card in full, I found another finance charge on it. I paid that off, thinking it has to be the last charge. This month is a surprise! I got another finance charge. How can one pay off a card in full with these people? I swear to God I'm getting the runaround.

I opened 2 Chase checking accounts a year ago, one for business, one personal. There have been numerous fees during that time. For some reason, in a four month period, my bank has bounced 8 of my customers’ checks. In 11 years with my previous bank, I had only experienced 2! Okay, I overlooked it. Then they auto debited $25 for my "rewards" debit card. No forewarning, no bill, just debited. Maybe it was the 1 year anniversary of when I opened the account. I don't know. This caused me to overdraw and I was charged $10 to cover it automatically from my Chase personal credit card.

I received a statement that I owed $1 a month after I paid off my Chase bill (paid off in July 09). When I called about it, the representative on the phone stated that it was a mistake and that I should disregard it. I received a letter dated 9/21/09 that my finance rate was increasing due to a late payment. My payments have never been late, I pay more than the minimum, and I just paid the card off in July. The first time I called about it, the representative hung up on me after I asked to speak to a supervisor. The 2nd time I called, I spoke to Ryan who also would not put a supervisor on the phone and who gave me conflicting information, not only to what the first rep gave me, but also to what he stated earlier in the call. I can't get a supervisor to validate any information or even to investigate the call of the representative who told me to disregard the $1 payment or the poor customer service on the part of the female rep who hung up on me.

Upon receiving our credit card bill, I noticed that the minimum payment tripled. I called customer service to find out what was going on, and they said that Congress passed a law and the payment went from 2% to 5% of the balance. I have never been late and always paid more than the minimum payment. This didn't seem right. I decided to research their claim and came across this website and seen that others have been done the same way. I don't see how this can be legal. I am opting to check other credit card companies or get an equity mortgage. This is unfair to the consumers.

Not long after Chase acquired my two credit card accounts from Washington Mutual, Chase increased my interest rate and then the next month closed my credit cards. I had never missed a payment nor had a late payment at any time that a balance existed on these two credit card accounts. The letter stating that the accounts were closed gave the following as the only reason: "The principal factor we considered in amending your account is maintaining profitability on your account."

Not long after Chase acquired my two credit card accounts from Washington Mutual, Chase increased my interest rate and then immediately closed my credit cards.

I received a Chase Card through a computer survey after a flight I took to apply for the miles and was promised a $100.00 rebate. I did get the card, but was not aware of their annual fee and no rebate. I have been paying it monthly and never expected a late fee would be applied. I never activated it and after a few months, decided to cancel. The card company wants me to still pay the annual fee even though I cancelled my card and still charged me the late fee. I feel that this is very unfair to me or anyone else who wants to opt out from keeping a card. What can I do?

Chase took over Washington Mutual with no letter of advice to me. All of a sudden, my interest went up from 7.99 to 17.99. The next month, it went up to 19.99. The following month, it went back to 17.99. Then I received a pamphlet stating my interest would go up on my Washington Mutual card from Chase if I kept my card active. I chose not to raise my interest and they canceled my card. They raised my interest again. Since June, I have been asking them why they raised my interest with no results. This happened in June. I have contacted them every month with no results. My interest continues to go up and down. It goes from 21.24 to 21.49 and my payment amount stays the same. I have paid this card faithfully every month. What can be done about this? I was given only one notice. I asked the person I was talking to if I could speak to his superior and he denied me. I requested all documentation of conversation and communication. He hung up on me and did not give me his name. Are credit cards able to treat individuals in this manner?

I had a credit balance with Chase that I had been faithfully paying early on for months. I had been getting the PerfectCard Rebate credit every month. When I received my statement this month, I had a $39 fee because my payment was late. What had actually happened is, I paid my payment one day too early for the next payment cycle. So in other words, I would have to make another payment to get on track. When I called, they would remove the fee but I had just made my Oct payment 3 days ago. Again, it was too early for the statement and now would have to make another payment to be on time.

I have 2 credit cards (or had) with Chase Bank. One is originally through WaMu, which was bought out by Chase earlier this year. On September 22, 2009, I attempted to charge something on my WaMu card for $180.00 approximately. It was declined. I was very upset, since I had been making regular $100 payments and my balance was about $300 on a $2000 credit line. I used my other Chase card, and that was fine. That one has a credit line of $1000, and I had about a $400 balance too. Both had usury levels of interest at 29%. But I need credit cards to make purchases that are more costly than I can afford on my debit card account.

IFC called. They said I owed a balance of $2750.00, including late fees and interest. They said I needed $172.00 to get up to date. I explained we lost our overtime and I had just gotten back to work and that I plan to start sending money and also offered them fifty dollars today. But they declined to take any money, and they offered me a settlement at $2229. I don't have that kind of money laying around. I also have a child with disabilities. I need to keep my mortgage, going light on heat and my everyday needs. I am late. I haven't made a payment since July 2009. I'm just upset, because I offered money and they refused. Thank you.

Chase offered a transfer of balance on higher credit card rates for a 4.9% fix rate for the life of the existing balance. Being a good customer and resolving my credit card debt, I took advantage of the 4.9% offer, which required a monthly payment of 2%. Chase has now increased the minimum monthly payment from 2% to 5%. The balance on this card is approximately $9,200, which means the minimum payment went from $190 per month to $469 per month. When I called the customer service department, Supervisor William ** did offer the option of reducing the minimum payment from 5% to 2%, if I would agree to a rate increase of 7.9% for two years, followed by a 17.2% rate after August 2011.

Chase left me no other option but to close my account. Because I had a couple of late payments, my APR was raised to 29.99%. I could not believe this. I only had two late payments; however, they told me I had five late payments in a row and that is a bold faced lie. The minimum monthly payment is unaffordable to me even though the man I spoke with was rude and said that I could cut down on groceries and utilities. What? With the economy the way it is, I cannot even afford groceries right now. I would much rather have food on my table than pay this ridiculous minimum amount. I believe that Chase wants people to cancel their accounts with them. On top of it, they treat you like crap when you explain to them that a 29.99% APR is just insane.

We have a Chase credit card that they offered a 6% interest rate for the life of the charge. So we put all our cards on this one charge card, over $20,000. We have been paying every month on time and over the required amount. Last month, they increased our monthly payment to $800 a month, 5% of the balance. When I called, they told me it was not done to everyone. It was done to us because we have a low interest rate and are not using the card. So I could lower the payment back if I gave up the 6% rate. How can they do this? It was an offer they came to us with and we have been paying on time and over the required amount. They can change the terms of the contract? Not fair. I will never get another Chase card when this one is paid. They have lost my future business.

I am one of the many consumers who have been hit with unethical business practices by Chase Bank. They are using breaching tactics - raising 2% of balances to 5%, or if you can't pay, offering to increase the interest they had previously offered to the end of the balance for just 23 months and then jack it up to whatever high percentage at the future time. Can't the government do something about this? They bailed them out: now we are suffering the consequences.

Chase Bank is the absolute worst for overdraft fees. When they say everything is in "real" time, that is completely false. If that was so, then why did five of my transactions that showed on my account end up being presented as a negative balance transaction and I was charged $35.00 for each transaction. I absolutely think that this bank is a fraud. I have banked elsewhere before, and I had never had this problem before. This bank is not out for the best interest of the customers, but for the best interest of their selves. Shame on Chase Bank for not being a bank that has a reputable name in the industry. I have never felt so betrayed by a bank in my life.

Chase upped the interest on my Visa credit. I canceled the card. They told me if I was never late they would honor the card rate. I paid $400.00 a month more than my minimum payment which is $368.00 back a couple of years ago. I consolidated my debt due to them offering a low interest rate, like I said they upped my interest later which I canceled. They then said I only paid $4.00 on my account. I called them up my interest rate due to being paid in full. I paid $400.00; they only took out $4.00 from my account. I did ask for my canceled check but they said they shredded it. My interest rate went up to 8.99%. I did complain to Chase and wrote a letter to no avail and they told me my interest rate would not go up again if we paid on time.

I called Chase to postpone my billing date by 5 days, so I could make all my auto payments on the same day in the middle of the month. They were happy to do so, but they did not inform me that they would extend the periodic rate to 35 days so that my minimum payment would increase by $6! When I noticed I received a $39.00 late fee because I paid $5 less than the minimum, I was fairly upset and called to discuss reversing the late fee. Not only was the person on the other line unwilling to help me, they were rude and unable to connect me to a manager. They suggested that I write a complaint.

I set up my checking account to pay the bill on the 4th of Sept, as the due date was on Labor Day holiday (09/07/09). And because the banks are not open on the holiday, the payment was not received until the day after the holiday, so a $39 late fee was added to my credit card. How is it even possible to set a due date on a holiday, not be open to process the payment on said date, and then charge a late fee because banks are not working on that date.

Chase Bank increased my monthly payment from 2% to 5% of the total amount that I owe. I called them to inquire about it and was told that in lieu of paying the 5% payment, they would increase my finance rate to 7.99% from the 4.99 and 3.99% rates that were never supposed to change as long as I paid my monthly payment on time. I did not agree to this, because that is not the agreed upon rate that they originally promised me. My monthly payment went from around $300 per month to $744. I have several other credit cards that I am trying to pay off, so this is a heavy financial burden to my family and will probably cause me to default on my payments resulting in a much greater finance charge.

I, too, was a WaMu credit card holder and when Chase took over, my interest rate skyrocketed without notice. My payments were always on time and I always paid more than the minimum. Then about a week ago, I ran my credit report and it turns out my account was closed too without again notification. The way I found out was I ran my credit report and there it was account closed by creditor. I called Chase and I was given the same lame excuse everyone else has received: due to Experian's credit report, blah, blah, blah. I think it's ridiculous that a credit company would close accounts in good standing. It's humiliating and it was uncalled for especially when it's done without any notice! My credit is ruined. I'm now getting financially ready to purchase my first home and now I'm just hoping this doesn't affect it. With all these complaints, I hope lenders have some kind of leniency towards what has happened.

I got my September bill from Chase and noticed the interest rate has been increased 5%. Upon making a phone call, I was informed it was due to my late payment. I'm in Arizona and I was told the Chase's close of business was 4 Eastern Time. I made the payment online about 2:30 AZ time, which put the time at 5:30 pm Eastern. That's only one hour and 30 minutes late and Chase would not even consider reversing the late payment or giving me back my old interest rate! I was outraged, not at the young man as he was only doing what he was told. But I'm outraged at Chase. It is greed, pure and simple. And if anyone starts a class action against credit card companies for these sorts of things, I'll be first in line to sign up. I wish I had the money to pay off the credit card (which I might add is used to keep five people employed) and could tell Chase to ** off!

We originally got a credit card with Yahoo years ago at a very good interest rate. The account eventually ended up with Chase. We have never been more than one day late on our payment and most times we pay more than the minimum payment. While we were on vacation, Chase decided to lower our credit limit without prior notification so that we exceeded our credit limit. As soon as we got back from vacation, I made a huge credit card payment to cover vacation and get our balance below our limit. As a note of appreciation for this from Chase, they raised our interest rate to 29.99%, which I was informed by my friendly customer service rep Darrell that was the default rate or maximum.

I have been with Chase Bank for 13 years with the same credit card. I have excellent credit and never miss a payment. I have the minimum payment deducted automatically from my checking account. Like many others on here, they raised my minimum payment up to 5%. I read this but understood it to be a necessary increase of 5% of my minimum of $560 I normally pay. I was completely shocked when they withdrew $1,400 out of my account and will deduct $1,300 each month thereafter. They were already prepared for my call with an offer as many have been calling them. My offer was an increase of 1% for the next year.

The last two months’ worth of payments that I have made has been removed from my bank account but was not credited to my Chase MasterCard **. I have started receiving automated calls and I have contacted Chase both months but no satisfaction. My credit reports may soon reflect their incompetence. I am 54 and may not be able to recover from the problem they created. My retirement plan includes a reverse mortgage, and if they screw up my credit, that means I would have to work for additional years past my 57th birthday.

On 8/21/2009, we reached an arrangement and enrolled in Chase's balance liquidation program. But still we are receiving calls that are very insulting, manipulating, deceiving, and etc. by collection representatives 15 to 20 times per day weekly, which is insane, ridiculous, and criminal. We reported these phone numbers to the Do Not Call List, but it is not working. Americans are fed up with unnecessary processes or games. The collection agency’s phone numbers are: 703-656-9977, 651-204-1373, 972-512-9502 and 202-367-9068.

The company did not follow the terms of the balance transfer offer. The terms were explained and the conversation recorded. I questioned the phone operator several times at the time the offer was accepted to get the correct date of offer expiration. I was told that the offer was in effect until the billing cycle that includes 9/1/09. Now, Chase says the offer expired on 8/14/09. No correspondence was ever sent out so nothing in writing (convenient for them). No notification from them that the offer is about to expire.

They raised my minimum payment from 2% to 5% and told me they agreed I have never had a late payment and it had nothing to do with my credit record. My only option is to go to another program that would raise my interest rate from 3.99% to 17.24% and that would leave the minimum payment at 2%. I asked what other options I had and the man said, "If I was you, I would know what other options I had. Since I'm not you, I don't know." I never had a late payment and have paid almost double to minimum every month. I'm not going to let them off the hook for the low rate even if I have to pay everyone else the minimum until this gets back to a reasonable range.

They raised the interest rate on my credit after they bought WaMu to 27%. I have had checking accounts for over 21 years and I haven't been late. Hope they enjoyed my tax money.

Chase Bank raised my minimum payment on my credit card from 2% to 5%, effectively from $300 to almost $900 a month, for no reason other than greed. I have always made my payments on time using their automatic payment service. The reason, as I see it is, this is a 5.9% line they granted me, so they are seeing 1/3 of the interest vs. new purchase rates they might see, flawed logic. Once I pay off this card, Chase can kiss my **.

I have never been late making a payment to this credit card account. They offered this account to me years ago with a credit line of $1,500.00. Because of financial difficulties, I was making the minimum payment to the account for about 9 months. My last payment was in the amount of $1,000.00. I had a balance of only $300 left. I received a letter that they decided to decrease my credit limit from $1,500 to $600, without any warning.