Chase Credit Cards Reviews

We had a credit card with WaMu and Chase bought them out. Our interest rate was fixed at 9.99%. We always pay more than the minimum and we have never been late. This is what they have done to reward us: They changed my interest rate from fixed to variable. They changed my rate from 9.99% to 23.24%. They warned if I close my account, they could ask for the full amount. Without prior notice, Chase may close my account or suspend my credit privileges at any time for any reason. They raised our monthly minimum.

We have two Chase cards - one an unconverted business account with a payment due around the 20th of each month, and an active business card with a payment due around the 4th of each month. The unconverted card has not been active since October 2008. I used to pay the unconverted account each month by phone. In June, I was informed that the payment had to be mailed from that point on. On July 16, 2009, I mailed my check in the amount of $300, priority mail with delivery confirmation, to PO Box 15827, Wilmington, DE 19850-5827. My delivery confirmation showed that the payment was delivered at 5:31 a.m. on July 18, 2009. It was due on July 21. I enclosed the payment coupon for the account (my unconverted WaMu business card), and wrote the account number on my check.

I had previously signed up with Chase auto pay to allow my monthly payment to come directly out of my checking account (approx $250) automatically as per the agreement. Without any warning or notification, I learned today that instead of withdrawing the normal $250 payment this month, they took it on themselves to withdraw almost $700 out of my checking account! I am furious! How can this happen?! This devastated my bank account. I was not prepared whatsoever for Chase to remove this amount of money from my account. The business office (Mary) told me that the payment was already made and no refunds or credits towards next month bill would be allowed. I feel trapped and victimized.

I received a bill for a Chase credit card I did not solicit. The bill is for $30 with an open line of credit of over $14,970. I called the toll-free number for inquiries and indicated I had not requested this card. The person on the line kept referring to my account, and I said I have no account. I requested an immediate stop on the credit card and was told that an inquiry would begin, but I did not feel confident that my complaint was taken with the seriousness it deserves.

On Aug. 22, 2009, I attempted to book a flight for myself and my husband using my Chase travel points. The site would only allow me to book each person separately. The website allowed me to book my flights, but would not allow me to book my husband on the same flights. 25,000 points were deducted for my trip. I called the phone number for assistance and was told that the flight was booked. I explained that we did not want to travel separately. After spending at least an hour being transferred to different departments, a supervisor (Tina) told me that she had cancelled my flight and my points would be added back to my account in 5-7 days.

My payment was increased from 2% of the balance ($230 per month) to 5% of the balance ($580). The only option I was given to remain at 2% of the balance was to agree to pay a higher rate only for 2 years and then to go to an even higher rate after August 2011. My current rate is 4.99%, and they wanted me to take 7.99% for 2 years and then go even higher to 13.24% until the balance is paid. I originally signed on for balance transfers at 4.99% for the life of the balance.

I closed this Chase business account because of the interest rate increase from 9.99% to 17.99% several months ago. Closing the account was to preserve the 9.99% until the account was paid off. Today, I received a notice that they raised the rate to 17.99%, a clear breach of contract. I telephoned and made a recorded complaint that I was going to force them to keep their word and that their rate increase was a breach of contract, bad faith, and maybe fraud, as I did not receive any such notices to "opt out" of anything. I "dishonored" the account and informed them a controversy now exists and I will not pay it as that could be construed as acceptance of the rate increase. Are there any attorneys going after these scumbags?

I had taken advantage of low interest rates Chase was offering a couple of years ago for the life of the loan. Now they have increased my minimum payment due from 2% of the balance to 5% of the balance, which of course has more than doubled my minimum payment due. I cannot afford this! The only way they will work with me is if I agree for them to raise my interest rate in order to keep my payment at 2% of the balance due, and that is only for 23 months. And then, if it's not paid off by then, they'll raise my interest rate to whatever the interest rate will be then, which will be over 13%. How can they do this to people in such a struggling economy. Then they wonder why people end up bankrupt! I hope there is something the department of consumer affairs can do about this in order to put a stop to their tactics! Thank you!

In January 2009, I was advised by Chase that my APR % rate was going to be increased by 6%. I contacted Chase and after effortless conversation(s) with their reps. to rectify the APR, I advised them that I was closing my account and opt out with my current APR effective that day! From that point, all my subsequent statement/invoices remained at the original APR and no problem! Last week, I received my statement with an increase of 9% on my APR. I called Chase and advised that I had closed out my account in Jan. with the opt out option, etc. I was told that a letter had been sent me advising me that my interest rate was being increased and they had to have notification from me by Aug. 25th if I wish to opt out! (Huh?) I already did that back in Jan. I advised them I did not receive any letter and furthermore, if my account was closed, how the did they have legal right to raise my APR %? Chase advised me that they can do this at any given time! I have contacted OCC/CAG (Customer Assistance Group). They handle complaints about all national banks. Their website is HelpMeWithMyBank.gov. We shall see what results prevail.

I called sometime in July 2009 to let Chase know I'd be buying large appliances (about $7500.00). They told me that I could do that but that I would be just about at my credit limit. Mind you, I never carry a balance and have a credit score of 800. They said they would extend my credit "a bit" since my credit was excellent with them (and it has been since I opened the card more than 10 years prior).

I had a substantial credit line on my CC with Chase. I received a letter that my interest rate was going to 24.99%. I called and asked why. I was never given a good reason. The Chase rep told me that I didn't have to worry about what the interest rate was because I never carried a balance and paid in full every month, whether it was a few dollars or $10,000. I closed the account.

I originally received my Chase Credit Card from Washington Mutual about a year ago. I had a $2,500 credit limit. Yes, my credit card was maxed out but I always made my minimum payment on time. When I had extra money, I made more than my monthly payment. I recently received some money that I was going to use towards house repairs. I do have a habit of spending at times, so instead of leaving the money in my checking account, I made a $1,500 payment to my Chase credit card to keep until I was ready to begin the repairs.

Chase Bank raised my credit card rate to 9% because I missed the opt-out date! I called Chase two different times and asked them to reconsider this loan shark rate, and perhaps I was mistakenly thrown into the pot as I have been a customer for 20 years and I have paid off an auto loan with them and have excellent credit. I explained I have thrown away credit card offers this week. They told me they couldn't tell me how they determined I was thrown into the pot, and they wished they had the answers, but it was a bank decision due to economic times. I asked if Chase Bank was going under or if they were looking for bail out money. I informed them to note on my account we would be moving on, never to return to Chase again!

I've been a Chase customer for many years. I had the same CC through them for 11 years. I paid off my van years early through their finance company, never late, always paid well over the minimum. I used my low interest Chase CC to consolidate loans for hurricane damage repairs. I did not use it for daily stuff. The low interest was for the lifetime of the loan, so they claimed. I got a skinny paper in late June stating they were raising my minimum payment from 2% to 5% in September. I called, explained I could not pay this, since work hours have been cut in half due to the economy. I offered to continue to pay as before. I was told there was nothing they could do, but to write to Mr. **. And by law, he would answer in 10 days. I heard nothing back and continued to pay.

I made an online payment on the due date, but it was after 4:00 pm. So it wasn't credited until the next day. I have all my banking with Chase. I was charged a late fee, and my interest went up over 5%. I called Chase and explained that I had all my accounts with them and that all the accounts are linked. It didn't matter to them. They weren't willing to reverse any charge or change the interest rate, and that it was their policy.

I have a $70 balance and I always pay in full. And as I was two days late, they charged me $29 for a late fee. What happened to the law Obama placed about late fees?

My mother and I have a Chase credit card in our names. She has had the card for many years, but put my name on it when I turned 17 in 2001. Since 2006, I have taken over the payments and have paid every month on time. The minimum payment was $225 (about $60 of which was interest). I paid $275.00 monthly ($50 more than the minimum required payment).

When I attempted to pay my bill on the due date, I was told I could pay a fee of $9.99 for a phone payment with a person (who refused to accept payment because I missed the "deadline"). I was able to choose between a phone pay and online pay with a charge of $14.95. When I requested a waiver of payment, I was told Chase does not allow that even for good customers. At that point, I was reminded I had a low APR because I was a good customer. I was also told that not making the payment would put me in a default position and my APR would go from 8.99 to 22.99. When I repeated his own words concerning my status, his reply was "That would be before your late payment (the payment which I was attempting to make on time)." I will be charged $14.95 on my next bill to cover the payment fee. I am still uncertain if my APR will be increased as the representative was not able to commit to the original statement he made. I believe this was an intimidation tactic to force me to pay the bill with the extra charge.

I went online to make a payment to my credit card. When I went to process, a message came up saying, "We can't process because there already is a pending payment for that date." I reviewed the pending transactions and there was a $300 debit waiting to come out of my bank account. I called and after 18 minutes, I was sent to a supervisor who disconnected the phone. I called back and was sent to another supervisor. She was extremely rude and stated that we were called the day prior and authorized this payment. I explained that no one called me or spoke with me. She referred me to another department. They said that after the debit would hit the bank, they would review the so-called phone call. Well, I put a stop on that payment. I called the day after to tell them I wanted my $35 stop fee paid as I was told they would. In about 3 minutes, he said, "Okay, we credited your credit card."

Previous Balance $3,626.04; Payment Credits -$3,626.04; Finance Charges +$6.53; New Balance $6.53

When Washington Mutual switched over to Chase Bank, my credit card was changed to a Chase credit. In July 2009, Chase sent my bill to the wrong address. I was then charged a late fee on a bill I never received. I complained to Chase's customer service reps and they referred me to Kelly **, saying I had to write him a letter describing how and why I wanted the late fee removed. ** never replied to me and now I'm being charged a second late fee. Chase refuses to put me in contact with someone regarding the late fees and the customer service reps said my only option is to continue paying the late fees and send ** another letter, to which he never replied. I am going to cancel my credit card with Chase. I was charged $58 in illogical late fees and my service request was never taken seriously.

I had taken out two promotional from Chase at low interest rates - I never was late like so many people. The money was used to install showers for my husband who has Parkinson's like tremors. Much to my horror, they raised my payment from 3% to 5%. I had no way to make the payment. I was forced to accept the 7.9% deal. The operators would not transfer me to a supervisor and even said it would do no good to even talk to the president of Chase. My husband has Parkinson's like tremors and I have a care worker in four days a week. Chase had placed our family between a rock and a hard place. The CA attorney general suggested that I file a complaint with the Office of the Comptroller of the Currency, which I intend to do. I strongly suggest that others do the same. Their phone number is 1-800-613-6743.

On July 9, 2009, I made a payment by phone to Chase for my Amazon balance. When I called to make payment, I said I would like to make payment in full and the representative told me that $30.29 would be taken from my checking account. Both with my Visa and American Express accounts, when I make payment in full, the payment is made in full. There are no other charges. This was not the case though with Chase. In running my credit report later, I discovered that I still owed Chase $16 ($1 for finance charges and $15 for a late fee). I was never told about these charges during my phone payment. I immediately got on the phone with Chase and asked them how could they charge me if I had paid my balance in full. That's when they politely explained that there are always additional finance charges and that I should check my statement. I said I hadn't gotten a statement and in fact, I wasn't looking for one since I was led to believe on July 9th that I had made payment in full.

I have had a Chase Office Depot cards since December 2006. Today, 9/16/2009, I used this card to attempt to pay for gasoline. The card was denied. I wrote an email to them as to why. They did not say why but replied to my email that the account was closed on 9/10/2009 and had reported it to the credit reporting agencies 60 days ago, and that I could pay off the balance or continue to make payments until the balance was paid. Why wasn't I notified? I want to know if they damaged my credit score by doing this. I was late one time in the time I had this account and feel that they acted in bad faith by doing this to me.

I recently received my bill and the minimum payment went from 2% to 5%, increasing my monthly obligation to $413 from $165. I have had this card since 1994 and a 3.99% APR loan since 1996. I have more than the minimum required but cannot afford that much increase. I was told there was no option but to pay off the card, transfer the balance to another credit card company or agree to a 7.99% APR to keep the 2% minimum payment. This is ludicrous. Their only reason was to rid themselves of low interest loans. In other words, breach the contract they have entered.

Just to add another Chase credit card complaint. A lady friend of mine has just had her minimum payment hiked from 2% to 5% as what happened to thousands of others. Of course, with the option of letting them raise the guaranteed locked in rate of 4.99% on a transferred balance to 7.99%, with the likely chance of it going to 20% in the near future. This is a clear bait and switch deal. The worst part of this is it is very, very stressful to the victims and I know with my friend that it is very negatively affecting her well-being. Knowing this is a scam, nobody wants to knuckle under to the scums. However, most people can not afford this much higher minimum and they do not want to lose their good credit. Any help would be appreciated. Thanks.

I have two credit accounts with Chase. For nearly two years each month, they deposit my payments into one account, make the other late. So every month to be safe, I check the amount, call Chase and make the payments, then I call again to assure that the payments were put into the right accounts. Numerous times, it was not, making one account late; then talking with them to please reverse the late charges and put the payments into the right accounts. Finally, it happened that they sent a notice that my interest rate was being increased. Though they acknowledge their error, they will not reverse it back to my lower interest. They keep hanging up and will not listen. They must be determined to raise my interest though I have proof that I make payments on time.

I received 4 balance transfer checks in the mail on Sept. 9, 2009. 2 checks were for a 0% until 6/10 and the other 2 for 3.99% until 3/11 on my remaining balance from my $17,000.00 limit. I had $5,000.00 available. On the paper, it said to make sure that balance is available before writing checks. However, on Sept. 15, 2009, I was checking my balance and noticed they reduced my limit to $13k after I had already written the checks. I called and spoke with 3 people from Chase and was informed those checks I wrote will be returned. They are making it seem as if I had written bad checks, when they reduced my limit after sending me the transfer checks. They decreased the limit on Sept. 14 and I had mailed the checks to payoff other lenders on Sept. 10.

My husband and I had to file bankruptcy a couple of years ago and have worked very hard to bring our credit up to par since our bankruptcy was discharged. In August 2009 (26 months after our bankruptcy was discharged), we received a letter stating that my husband’s credit card with Chase Bank NA (formerly WAMU) was going to be closed based on the following information:

My interest rate was raised on my monthly payment from 2% to 5%. This was done without notice. When I called Chase, they sent out a letter notifying me of the change. As I see it, I have kept up with my end of the special deal. Now, it is time for them to keep the deal I was offered. Raising my monthly payment from $163 to $450 is a hardship. My husband is not working, because he was laid off. And now, we have to add an additional $300 to our monthly bills. What can we do. This is not fair.

I used some of the Chase checks issued with an interest rate that is for the life of the loan 3 or 4 years ago. I have been paying on time every time and most times, more than the minimum. It averaged $350 per month. They increased my minimum payment this month to $820 per month. I called, and they told me that the amount of principal I must pay per month increased from 2% to 5%.

I was late with a credit card payment so my interest rate went from 11% to 29.99%. This was 6+ months ago. I called Juan in customer service on 9/15 to see how much longer my "punishment" was going to continue. I felt I had been punished enough and that this was usury. I was told that there was no other offer for a lower interest rate and that it was my own fault because I failed to pay on time according to my contract. He would not connect me to a supervisor and told me to write a letter. My husband has been out of work since losing his job for medical reasons. He is unable to collect social security, so it has been a very difficult two years financially. This year has been particularly tough. All of my payments have been on time or early since this increase in interest. I cannot afford this finance charge and think it is ridiculous! My monthly payment is almost double what it was. My credit rating was 700+ prior to my husband's medical leave. It's been a very tough time, but I have always believed in paying what I owe. I am getting financially beaten, but do not want filing for bankruptcy. I just want a fair interest rate. Morgan Chase was bailed out, why can't they help the consumer? Please help.

I've had my Chase Freedom Card for about a year and a half now. I know that's not a long time, but I've always paid my balance in full and before the due date every month. I had an unexpected visit from my parents this month and did not get around to pay my bill early, as I usually do. I did sit down to pay it online on the due date (Sunday) at around 5 or 6 pm. However, after making the payment, I saw that it wouldn't go through until the next day. Knowing that this would incur a late fee and other penalties, I canceled the payment and remade it so that it would go through that day, the due date. I was charged a fee anyways ($15) because I was making a payment to be posted outside of "Processing Hours" (after 4pm). If they can process the payment at all on a day after 4pm, they shouldn't have to charge a fee for it. What a way to grab money! I called and asked for a fee waiver, but was strictly told no... Being young, I don't have a lot of credit history to use as leverage and can't afford to cancel.

My husband and I are represented by counsel to renegotiate the terms of the debt i.e., debt consolidation. They call 8 to 12 times daily. They leave multiple open messages about "an important personal debt" on our phone. They were given a cease and desist letter after our attorney's letter of representation, yet, each time I speak with a supervisor, it is not in the system.

I wrote in a couple of weeks ago because my payments to Chase went from 2% to 5% on my "life of the loan" account. Since then, I have filed several class action lawsuits, wrote the governor, the White House and the BBB! So far, the BBB is the only results I have gotten. I got a phone call from the BBB yesterday from a lady named Christine **. She was polite and offered me my old 2% rate till Aug. 1, 2011. Oh, but that's not all. I will have to pay 7.99% interest for the overall loan. What happens after Aug. 1, 2011? My husband and I discussed it last night and decided we would have to pass on this "generous" offer. She acted like she was doing us a favor. I didn't sign up for 7.99% interest. It was 4.99% for the life of the loan. As soon as I can arrange it, I will pay them off! I feel like I will be saving myself hundreds of dollars in interest by doing this and I won't have to give them another dime! It won't be pretty if they charge me even $1 more over my pay-off amount, either. I am sure they will cancel my card. I have already told her Chase had better not ruin my credit. What a rotten bank!

Although I've abided by my contract and never submitted a late or returned payment, Chase Bank has voided the balance transfer agreements they sent to me and raised the interest rate on balance transfers after they accepted the checks according to their terms. Why is there no class action against Chase? Why is the attorney general of NY not investigating.

My complaint is also with Chase Bank. I too got involved with a 3.99% balance transfer. I paid my bill on time for years and now they raised my minimum payment from 2% to 5%. That raised my payment from $290.00 to $707.00 a month. I've called them 5 times, plus when I went into a bank I was told if I raised my interest rate to over 7%, I could still have my 2% payment. Otherwise, there's nothing they can do. I have no income, so I don't qualify for their payment plan. I took a buy-out from Fords in 2007. That’s how I've paid my bills, but I cannot afford $700.00 a month. I already defaulted on this account. Because of this, my credit is ruined after years of excellent credit. This just doesn't seem fair. They made a deal and then changed the rules just because they want to.

I have two credit cards that were originally with Washington Mutual but eventually became Chase Credit Cards. I had both cards for years, had reasonable balances, always paid on time and always paid more than was due. A few months after Chase took over, they closed both of my accounts due to too many revolving credit lines. I didn't receive a letter in the mail until 2 weeks after they closed my accounts.

Several months ago, I received a notice that due to my excellent credit, monthly payments, etc., my limit was being increased on my card. Then I received a notice that the APR was increasing from 9.99% to 20.24%. I monitor my credit card account (online) daily to ensure no fraud activity. There were no messages or notices from the company. On Friday, I received a letter stating my account would be closed. I have never been late, never went over my limit and have always paid well above the minimum each and every month. I am shocked that the company can get away with this. First, they increase the limit, slap on the huge APR, then close the account without any forewarning.

I received two letters on the same day for two different accounts with Chase that stated my credit limit had been reduced. The first account was originally a Circuit City card that was switched to Best Buy and then to Chase. I had a credit limit of $5,000 which was reduced to $1,600 because of the following reasons: (1) balance owed on revolving accounts too high, (2) balance too high compared to credit limit.

I have a credit card ending with ** with Chase and always paid my bill on time. I have a perfect credit. Last month, I did not receive the bill, but I did know it since I have lots of bills to take care of. So, usually I pay as they arrive. This month I received the bill from Chase and it shows a $29.00 late fee. When I called and I spoke to a lady by the name of Shirley, she told me that she would waive the charge since I have a good record. Unfortunately, she said the computer would not let her do it, so she advised me to pay the bill and once the money was received I could call again and they would give me the credit. I sent the money right away. After I knew that received the money, I called again saying that they cannot waive the charge because I had not paid the bill the previous month. I explained all the story, but she would not listen and they are willing to close the account instead of waiving that charge.

The Chase online credit card service is a big scam. No matter how carefully you are, you will get tricked one way or the other. It’s one big scam. If you see your statement is available online and you want to make a payment, schedule immediately so you won’t forget paying it. When you followed all the online procedure made a payment, you found you have a mounting finance charge in the next statement. Chase intentionally puts your previous statement balance as your payment amount - even the due date and statement date are reflecting as current statement. If the amount is less than the current statement balance, you will be charged for all the balances on your account, including all purchases in the coming statement. Even you are only a couple of dollars short, you will get a large finance charge. And of course, there is no customer service.

I have two Chase accounts. I had transferred balances at the rate of 3.99% for 2 years. My monthly payment was 2% at $200 or less. I had received and read the new changes. In reading the explanation of the 5%, I read again and thought that it applied to any new purchases. Imagine my surprise when my monthly payment was now $495. I called one time and was very upset. I called a second time and was told in order to get the payment down, I could increase the rate to 7.9% and it would go back to $200 or less. I refused. I asked again why my payment went to 5% as that is not what the agreement was with the balance transfer. They said it is the way it is now. As the time got closer to my payment date, I called again and made the change. I know they received government monies. I think this is unethical and the company should have some charges brought against them.

I have been reading people's complaints about this horrid company. I know they are legit because Chase has also closed my account, just prior to raising my APR to 27.24%. I, too, had been a perfect customer. I, too, never received any letter announcing the closing of my account. I too was a former WaMu customer. I too am fed up!

On 09/04/09, I went to a local Chase Bank to make payment on credit card balance. I paid cash, and the time was listed exactly at 16:20 on 09/04/09. My bill was due on Sept. 7, so I got it in early. (I was charged a penalty fee before, but I felt I had gotten in payment on time.) Anyway, I received an e-mail stating my payment was not received on 09/08/09. Upon checking on 09/10, it was posted paid at the Arcadia branch; but that was six days from when I actually paid it. I immediately sent an email telling Chase I had indeed paid my bill and this is an error that happens frequently because of the lack of some type of communication between the branches and Chase. Whenever I pay my BofA and Wells Fargo, they post immediately; why can't Chase? I have faxed twice over to a representative, but have yet to hear it was accepted. I am just angry that this happens. As a consumer, I feel that if these banks act in such haste to accrue "late payment" fees, they need to be put in line. I am a calm person. But when dealing with this issue, my blood pressure went up and my diabetes numbers were also up.

Before I left the US, I went to the branch of Chase at the University of Arizona to close my checking and credit card accounts. I had paid the credit cards two days before that. The banker told me that everything was okay and gave a confirmation number. However, when I accessed the account online about two weeks later, the Chase Credit Card center charged me returned payment fees on both of my credit cards. They said that they could not access a closed account. If this is the truth, why did the banker say everything was okay? I do not think that the failure of the payment is my fault. I have made phone calls to argue about the returned fees and how to pay the credit card out of the US. However, the representatives were not polite to me. I felt that they did not want to help me solve the problem. Finally, I have to pay the credit cards again including the returned payment fees. This experience is too bad. I will never ever use Chase Credit Card again!

I have the United Airlines Mileage card and the Circuit City card (which was converted to a regular card after CCity closed). I transferred balances to each card in order to consolidate and close other credit cards. I locked into 3.9% and 5.9% APR for the life of the loans. I have never been late, never missed a payment and have automatic deductions. I am also paperless. I went to check my upcoming payment, due in approximately 2 weeks. I found that my normally $312 per month on the United card had now been increased to $767. I called them to see what had happened and was told that "Well, we had to do that with some of the accounts and yours just happened to be one of them."

I have had the same Chase Visa card for over 25 years and have probably had 4 instances of late payment due to miscalculation over that time. I recently scheduled a payment for over $2,000.00 on the internet for 2 days prior to the bill due date, leaving no outstanding balance. I have tried to use my card the past 2 days and it has been turned down as not approved, leading to embarrassment, etc. I called the 800 number on the card thinking something was amiss, only to be transferred to some woman in India who informed me that my card had a "past due" charge of $80.00 and so was now "voided" until my scheduled payment takes place.

My credit card with Chase was current with an available line of credit when Chase decided to closed the account. I only found out it was closed when I tried to use the card and it was declined. This was a WaMu account converted to Chase after the Chase buy out. I received no notification from Chase that my account was to be closed. Chase is one class act!

I consolidated several loans and credit cards to two loans from Chase. One was at 2.9% and the other at 5.9% for the life of the balance. I have been paying on this credit card for 5 years and never have had a late payment. On top of that I have always paid at least double the minimum payment and a few times triple the minimum payment. All of a sudden I went to pay the bill and the minimum due is 4 times the normal minimum due. I thought there must be a mistake. To my surprise when I called Chase, no mistake.

In December 2008, I got my Visa bill (Chase bank). It had 2 items: $25.90 for AOL service and $85.00 for my annual membership fee. I sent a check for the $25.90 along with a note "Please cancel this account unless it is fee free." The following month, I got a statement for the$85.00 plus interest and late fees. I ignored it. Another month later and each month after that, it’s the same thing. My bill is now $334.24. I tried to explain what happened. It is like talking to a robot trained what to say. They called and called all hours of the day and evening. I called time and again. I went to my local Chase bank; they tried… no luck. I would ignore all this, but it has taken my near perfect credit to such a low that I can no longer get any loans.

My wife signed up for a Chase credit card and similar to what someone else wrote, I did not and still have not received a statement. Unfortunately, I was at a store trying to make a purchase and the credit card was declined. I contacted someone today at the company who informed me of my total charges (all legit minus their imposed fees). I registered online to get the statement to see what my charges were so I could pay them immediately and realized that I was charged almost $90 in finance charges and late fees. When my wife and I called and explained to the customer service agent, they couldn't have cared any less. We explained to this person that we would have never opted to go paperless and that we should be receiving paper statements, but hadn't received any. We told the agent that we had the money available and would send online to the account today if the fees would be waived. Again, no concession on the fees they imposed.

I've been a Chase MasterCard member since 2000 and paid on time. I paid a bill too early and it was put on the previous billing cycle. So now they won't remove my late fee. I could understand if I was a constant late payer, but I'm not and never was. Then I had to argue to even talk to a team manager. Donna told me there wasn't one available. I am a very responsible person who pays her bills on time. Now I am stressed out and have to make an extra payment after I already paid $400 to them for one month for being proactive. Why should I be punished for being a good customer?

I am not a Chase customer by choice. I originally had my first credit card through Providian, which was bought out by WaMu and then transferred to Chase. I also had a second credit card through WaMu that was also transferred to Chase after the buy-out. My husband had me transfer one of his higher interest rate cards to the second Chase card using a promotional check for a 1.87% APR. He swears it was supposed to be for the life of the balance or else he wouldn't have transferred it using that deal. Suddenly, we get a bill with the interest rate going from 1.87% to 21.24%! The finance charge went from $15 to $164! And they also have been changing the minimum monthly payment every month, but this time they increased it so it would be just $7 above what we have set for auto-pay.

I have had the account for only 2 months. I have never received a statement. After having the card about a month, I became concerned and looked up the account online. It said no payment was due, but I paid all charges incurred during the previous month, leaving only about $200 from the current month. A month later, still no statement. Again I checked online. Now my balance is fairly large, with a late charge added on. The explanation: I had made the first payment before the statement date, so it didn't count toward that statement and I had failed to make another payment between the statement date and the due date of that statement.

Pier 1 Imports credit card accounts were purchased by Chase Bank. I requested a lower interest rate and it was agreed that instead of paying 21%, Chase offered the 7.99%. I agreed and everything was approved and before I knew it my account was closed. I still have a balance of $800.00 which I have been sending payments and I have not received any bills from them at all. I called them and every time I called, they would transfer me to India! Nothing was ever resolved. I hate this bank and their unfair practices. I lose sleep over this problem. I wake up in the middle of the night thinking about it.

I wrote recently to state that I had payment minimum (on my low interest rate loan transfers $2,000 at 2.99% and $4,000 at 4.99%) raised from 2% ($128.00/month) to 5% ($315.00/month). I didn't like the offers that they made me of 7.99 for 2 years, after which the interest rate would go to 15%+. I asked them to send me a copy of the original contract to see if there was a stipulation about how long I had to pay off the card because I only recall that the low interest rate was for the life of the loan and don't recall that the time was addressed in the contract. They referred me to the hardship department to talk to them about other options. I did so on Monday and Celeste asked me some questions.

I have had nothing but tremendous stress since dealing with Chase. I cannot understand why their practices are legal? No other businesses successfully get away with changing terms when there is no fault on the consumer ends. Their customer service is awful in addition to being extremely rude. I would say that they have a tremendous number of incompetent representatives. There is poor record keeping with little continuity on their communication logs so I always need to explain the same situation to 100 different representatives.

I have several credit cards with Chase Bank. Today, I just received a statement showing a $39 late fee for the credit card account that was locked in at a 3.99% interest rate for life. It turns out they raised the minimum payment from 2% to 5% and because this bill is automatically paid through bill pay, I didn't know to raise my payment amount. I called Chase customer service to ask what happened and why I wasn't notified. Ann ** informed me that a mailing went out in July stating the minimum payment would go up. And that this is a legitimate late fee charge and so nothing could be done about it.

When Chase took over my WAMU credit card, the rate jacked me by 8%. Then in March, they notified me that they were canceling my card due to my credit report saying that my credit ratio was too high. I maintained a low balance on this card. Now they are hitting me with a late fee when my payment was due on a holiday. They are still using shortened billing cycles to trap people for late fees. They have caused harm to my credit rating by canceling a card with a balance, therefore increasing my debt to limit ratio. I feel that my rating has been hurt by at least 50 points.

Chase took over my WaMu credit card a while back. I have not made any purchases or used this card in over 2 years. I've never made a late payment the entire time I've had the card. To keep my post short, my average minimum due is $60. My average monthly payment is $236.00. A few months ago, I made a $300.00 payment. The following month, Chase raised my APR from 21.71% to 23.27%. Just to see what would happen, the next month, I paid just $2 above the $45 minimum due. Chase decreased my APR from 23.27% to 21.82%. When I made a payment over $200, the APR increased 1.6% the following month. Why? Because they can.

I have had my Chase credit card since 1992. I have used this card and paid it off several times over the last 17 years. A couple of years ago, I took advantage of their low interest rate deal for the life of the loan and opted to pay off other credit cards in an attempt to consolidate. I have never missed a payment and currently have a 748 credit score to prove that. Yesterday (9/9/2009) I received my monthly bill and to my surprise, it was double my normal payment. I promptly called, thinking that it was an error in billing, only to find out that it was not.

When I received my September statement for charges on 7-26 through 8-25, there was no 5% rebate for the $500 marathon gas card I purchased with my Marathon Mastercard. When I called customer service to inquire why, I was informed that they would refer the inquiry to their supervisor and would respond in writing 5-7 days. The following letter to me was their response: "We appreciate this opportunity to address the concerns you expressed in your recent inquiry. We have confirmed that you reached your annual cap on your July 25, 2009 billing statement. Maximum rebate accumulation on net purchases earning a 5% rebate is $270 annually, which equates to $5,400 in Marathon net purchases. The year is not based on a calendar year. The year is based on your anniversary date. You will earn rewards again on your Sept. 25 billing statement. We appreciate the opportunity to service your account (lost $25)."

Like others on this site, I was making my payments at the agreed upon rate when Chase raised the minimum payment to 5%. This is a more than $500 per month increase. I was offered the prior two percent if I increase my rate to 7.99% for a year and then to 27% since my rate is now 3.5%. This is ridiculous. They are trying to screw everyone with good credit, who took the sweet deals they offered when things were good. Chase will never get my business again!

I opened my latest statement this morning to find that my minimum payment due had almost tripled. I thought it was a misprint, so I called them and was informed that my minimum payment went from 2% of the balance to 5%. "This was to help us get the balance paid off quicker and save us all the interest we would have been paying." I told the lady that I spoke with that I was a good customer, who never had a late payment and always paid more than the minimum due, and that I was ok with the small amount of interest I paid monthly. I wanted something to be done about this. She said she had no control over the bank applied rate, so I asked to speak with a manager. She refused to transfer me, saying they had the same authority as she did. I was not given the option to lower the monthly payment down to 2% and pay a 7.99% interest rate like some others.

Yes, I got the 2% to 5% increase. I was already pay $600 and my statement was $300. Now the statement is $761. I have a 3.99 percent till paid off. The really bad part is I have PKD (kidney failure), and I'm waiting for a kidney transplant. I may not be able to keep my job. Chase is devil and their policy makers are going to hell. I guess there is nothing I can do, I have tried to keep up for a long time. I guess I will see how long I can continue.

I find this very ironic and it will no doubt make many people angry. I am the exact opposite of the many hundreds of people who have posted complaints about their Chase credit card. My credit score, while it was growing two years ago when I opened my WaMu card, has taken a serious dump in the last year. While I can't remember ever being late on a payment, I did go over the limit once due to finance charges. I pay pretty much the minimum on the card but my limit only started at $1000. I considered for a time closing my account sometime last year when WaMu raised my rate to something close to 30%. However, trying to build my credit, I kept it open and hoped not to have to use it as the balance was currently zero.

We too, have been hit with the surprise 5% payment due, both through our small business account with Chase and our personal account with Chase. When I called, they said the same thing about sending a statement "sometime in July" which I totally did not recall receiving but in reviewing my files, yes it is there, buried in small print but there nonetheless. But the super funny thing is, this week we received an offer for "write a check now, pay it off later" from them, offering 0% APR until June 2010 or 2.99% until March 2011. Wow! I guess they aren't hurting for cash so much, now are they? It's too bad they apparently don't realize that by stabbing the good paying customers in the back, they lose a valuable asset.

My WaMu credit card was absorbed by Chase and they immediately increased my interest rate to an ungodly 29.9% and reduced my credit line at the same time. After I paid off my account prior to the statement close, I assumed I would just leave it open and did not even pay attention to it anymore. I did not expect to receive an additional finance charge for the few days that there was a balance before the payment was posted. When I realized there was a balance, it had become late by 2 business days and they imposed a late fee. When I called to inquire and try to have at least the late fee waived, I was told tough luck. They would not even let me speak to a manager and when I expressed my disgust, all they could say is they were sorry I felt that way. I guess they are the big bully on the block and don't care about taking everyone's lunch money. I immediately closed the account and can't wait to tell everyone I can that they are an oppressive organization.

Enticing consumers to do balance transfers with low fixed of 4.9% for life and then raising their minimum monthly payment from 2% to 5%, which basically makes consumers pay 2.5 times more than they did last month, is an unfair practice by Chase Bank. For example, my payment was $57; now it is $142. Thanks, Chase, for stabbing people with good credit in the back. However, there is help! Go online to www.occ.treas.gov/customer.htm and file a complaint. I hope this helps anyone out with the similar situation.

I had a credit card with Chase Bank, and they increased my APR to 17.24%, even though I have never been late or never paid just a minimum payment. So I decided to pay it off. The payment was due on the 27th of the month, and the check cleared my bank on the 20th of the month. So the bank received it 7 days early. This month, I received a charge of $15.29 for finance charges. I called them, and they said they continue to charge finance charges from the time they sent the statement. Is this legal? To me, it was only $15.29. But how about the other people who cannot afford to pay off their card? I just had to report them to someone. It is highway robbery.

I have been a solid customer for many years making payments on time and having my credit limits increased due to my credit status. Currently I have a balance which is being paid off at the mutually agreed 2% rate and to my surprise, the last statement I just received showed a substantial increase in my minimum payment. The increase as I was told from the Chase supervisor was from 2% to 5%. I was informed that due to current market conditions, it was necessary to increase the minimum payment. This came as a surprise as there was no prior notification on this issue. I entered this financial transaction under the agreement that as long as I met my financial obligations, there would be no change or variation on the contracted rate.

I have 3 Chase credit cards. On one, the minimum payment due, which was previously around $160, increased to $390. I have not missed any payment. I logged into the website which showed my same minimum payment due, less the $186 I automatically pay on the first of every month. The minimum payment due has a small question mark next to it. When I clicked it, a box popped up explaining the minimum payment calculation. It states "Your new minimum payment is calculated at the greater of 2% of your statement balance or 1% of your statement balance plus billed interest charges and any billed late or over-limit fees." Since my minimum balance on this card is roughly $7,000, my minimum payment should have been $140 plus interest.

At the end of August (2009), I added my wife to my CC account as an authorized user. The card came in the mail and I called right away to activate it (8/31) and at that time, I asked if they had any good Balance Transfer promos going on. I was told of two, 0% fixed for 6 months or 2.99% fixed for 15 months. I chose the latter.

As most of the same stories here, I have had my payment more than doubled, almost tripled. I originally thought this was an error, the card has never been late. I locked in on a balance transfer to get low APR and get it paid off. I tried with multiple customer service reps who gave me the runaround. One actually said that if I would use the card, the payment would go back down. I was further instructed Chase could send me a notification that my payment was going up. I replied, "It was a little late for that." I was told that I had already gotten a notice, I must have thought it was junk mail and threw it out. Can you believe this?

I was offered an additional $30 off of a rug I purchased in March 2009 from Overstock.com if I opened a Chase credit card. I initially owed $144.90. After I opened the credit card, I was charged $114.90. My statement came in April, it was paid in May. In July I received a new statement saying I owed $30 for a debit double premium. I talked to Overstock and they said that Chase was the one that charged me. I called Chase - they blamed Overstock. I received a letter today saying that they would no longer be associated with each other. I talked to many people about how they could add $30 to my statement when I had my total, and when I opened the card they subtracted the additional $30.

Chase Bank took over my Washington Mutual Card back earlier in the year. Everything was going well. I had a low APR on a balance transfer offer until Chase took over my card. Then in July, Chase informed me that my account went over by 14 cents. Not by my spending, mind you, but by their own interest rate kicking it over. They then charged me $40 and on top of that, raised my APR from 0% to 29.74%. I have tried in vain for Chase to lower this rate. Because of this, I'm barely able to pay down the card and even make the minimum payment.

In the past three months, I got charged over the limit fees. When I called, my payment was due on the 4th. It was mailed very early and still charged. Then I called and was told that it’s because the new cycle starts on the 10th, so I have to pay the interest than to avoid fees. Therefore, I have to pay on the 4th and pay again on the 10th the interest or get charged over limit fees, even if I pay on time and pay the minimum balance. I see how they get rich from people like me.

I made my monthly balance payments promptly by 4:15 pm central time. But the Chase Bank customer service were rudely insisting that I should either make payments prior to 4:00 pm Eastern Time or make payments by phone with a $14.95 charge, or risk being slapped with a late fee and a finance charge (in excess of $100 for a $6,000 card balance payment). Even though $14.95 is much less than the $100+ penalty, the Chase Bank customer service is refusing to consider my time zone or that I had been a bonafide customer for over a decade (United Mileage Plus Credit card). In addition, the customer service agents, despite being rude and incommunicable, are also refusing to transfer my calls to a customer service supervisor so that I can complain about their abysmal customer relations culture. I eventually was forced to incur a $14.95 fee to make phone payments despite the fact that I made a legitimate on time payment online. I believe that the credit card company just ripped me off of my money, and I would like to see justice in this matter.

Normally, I pay all my bills online every month. But I was out of country for more than six weeks since July 2009. When I was traveling, I had internet problems and couldn’t get to my online accounts to pay my bills. I called my husband (he was in the United States then) and asked him to make payments online for me which he did on time. Unfortunately, he forgot to transfer some money from my savings account to my checking account. So my payment to Chase was returned. Upon my return to home, I promptly paid my Chase credit card bill online. I checked my Chase September statement, and there are a late fee of $29 and a returned payment fee of $39 charged to my account for the $77 bill.

I got charged a $39 late fee for a card that had a balance of about $70. Yes, I did pay 2 days late (It was due over a holiday weekend.). They would not reverse or credit the late charge. That seems very excessive for the small balance due and slightly late payment!

Like Jeanette, I had my credit card with WaMu. First, Chase cancelled my card without notice. Then I made a payment that is due on the 30th of each month on the 4th of the month. I was informed that because the billing cycle for the prior month did not end until the 5th of the next month, I essentially made two payments for the prior month and I needed to make a current payment. I told them that the payment on the 4th was the current month's payment and I could afford to make another payment. She said she would take care of it.

Like many others, the minimum payment on my 4.99 for life of balance transfer offer was raised from 2% to 5% in August. It has gone from about $352 to $950, which is higher than my monthly income. I called Chase and was told it was non-negotiable. I called again and they mentioned a hardship number but said I would be required to close my account. I told them that they were the ones who created the hardship so why would I go to them for help. I called again to complain and was asked if I wanted the number for the credit counseling service but that I'd be required to close my account.

The company increased my payment rate by almost half, monthly payments almost doubled. I was never late on payments, always paid more. This is insane! I'm having a hard time paying this. I canceled the cards.

I have two balance transfers at 3.99% for the life of the loan. I was paying 2%. Now, I must pay 5% making my minimum payment go from $173 to $427. I am a full-time police officer, and the state just got my pay. Now this. I am not going to be able to pay all my bills.

I called to the 800 number Chase has for their credit cards, as I currently have two active cards with them. I was having issues over the Labor Day weekend logging on to the Chase Credit Card website to make an online payment (as I normally do). I first spoke with a telephone operator named Carlos, who off the bat provided me with wrong information. I explained my situation to Carlos that I was having issues logging on to the Chase website for credit card payments. Carlos just stated to me that "Well, on your statement it shows you can call us 24/7 to make free payments via phone." I explained to Carlos had I known that, I would have done so. But since WaMu is now Chase, I was not told the steps one has to take to make a credit card payment.

Evidently, my story is the same as so many others. I was solicited by Chase. I made the choice, as a way to manage my budget, to go with Chase to pay off another credit card with the promise and contractual understanding of a 3.99 percent interest rate for the life of the account. My credit rating is "Good," as I have never, ever, been late on any credit card or mortgage payment. I have no wiggle room, however, so I was devastated as the most recent statement showed that my next payment would triple due to increasing the "minimum payment due" to 5 percent.

I applied for a credit card online and was sent a denial letter in the mail which indicated that I had delinquencies and past due accounts in my credit report. When I called, they admitted this was a mistake on their part as my credit scores are above 800 with no late or delinquencies. They denied me anyway as too many of my accounts went on file for an insufficient length of time and because too many requests were made for a new credit.

I have consistently paid more than my basic minimum payment each month on time, which is under $300. This month, my minimum payment rose to $821. I tried to contact Chase customer service to find out why. The number on the statement goes to a voice mail to sign up for text messaging at $9.99 per month. No alternate customer number is given. The website demands your social security number online in order to obtain an ID number to open their website. I refuse to pay an additional $9.99 per month to access customer service for text messaging that I cannot afford.

I have the "3.99% fixed until paid off" offer from Chase, and my minimum payment went from $242 to $596, which I absolutely cannot afford. I called Chase and was told if I cannot afford the minimum payment, they can offer me 7.99% interest for 1 year and keep the 2% minimum payment. After 1 year, my interest rate will go up to 12.9%. I was not offered any other recourse, so I have decided to call other institutions and was offered a better deal at 1.9% for 7 months and then will go up to 7.9% with 2% minimum payment. My minimum payment will be $135 for 7 months and then go up to $185 after. The only thing I can think of to do about Chase is to not give them my business anymore. I have two credit cards with Chase, and I intend to pay off both and also pull my money out of my checking and savings accounts that were with Washington Mutual (now Chase accounts). This company does not deserve my business.

I've been paying my Chase Freedom Credit Card in full online for about two years. The card was due on 7/5, and I paid it at 6:00am on 7/5. 7/5 was a Sunday, and the payment wasn't credited until 7/6. I was charged a late fee and interest amounting to $55.76. When I followed up on this, I was told that Sunday payments aren't credited until the following Monday. When I asked them why they made a payment due on a date when they couldn't accept it, I was told that was just the way the computers do it and that I was a deadbeat because I waited until the last minute to pay the card.

Chase closed my account without my knowledge. I had called customer service two weeks earlier to report a burglary at my home and had them issue new cards since the originals were stolen. When I tried to activate the new cards, the account was closed. I called Chase and they stated that they had compared me and my credit to other customers in the area and that I was a risk. I asked how they could compare me when I have had the account for numerous years, originally a WaMu card, and always paid on time and more than the minimum. I had not used the card in well over a year. They could offer no explanation. This is discrimination!

I cancelled a credit card, because Chase credit card let my credit card run over by $500 despite instructions on the account to not let it go over the credit limit. Then they charged me $39 overlimit fee. When I called them, they were extremely nasty. I ended up cancelling the credit card. In addition, they would not send me my $25 reward certificate on the points already earned before the account was cancelled. Chase is cheating customers out of points earned and is only interested in charging fees by nefarious and fraudulent means.

I too was a Washington Mutual card holder. I had 2 credit cards with one having a $3000.00 limit and the other one at $2000.00 limit. One card has a $2300.00 balance, and the other has a $1400.00 balance. Both cards were being paid off on time; I was never late and never missed a payment. Chase took over these accounts and were making money off both of these accounts with their interest added each month. Both of these accounts were "closed" in July without notice. No phone call, no letter, no e mail. So when I talked to their "no help" customer service department, I was told that these "money-making" accounts were closed because of their high balances.

There is help for those who are suffering from the increase in minimum payments to 5%. I did not even bother to call Chase. Last month, I filed a complaint online to the Office of Comptroller of Currency. Chase called me! They offered a five-year fix rate at 2%, which was very reasonable. It solved the problem.

Chase has dramatically increased my minimum payment from $380 to $936 - in this economy? I spoke with the hardship department and they stated that they would put in a request for me. But based on the information she had gathered in questioning, I do not qualify. I guess those of us who don't have crippled credit yet, Chase is going to help us along.

I have held a Chase Credit card since 1990. On more than one occassion, I took advantage of the balance transfer, "write yourself a check" solicitations they constantly mailed to me. They regularly would send me letters stating that they had raised my credit limit. One letter (still have the copy) offered 3.99% fixed APR until the balance is paid off. "It is like giving yourself a fixed-rate loan with no application and no waiting around for approvals," the letter proclaims. In bold at the bottom it goes on to say, "Take a tropical vacation. Get a new computer. Spruce up the kitchen..."

Chase offered us a 3.99% card that is fixed for the life of the balance. We had a credit limit of $25,000.00. We used this card, because I was told that "yes" unless I was late, it would not change. I've never been late on this card. This was better than our bank rate. Our 19-year-old son was in a car accident and had head injuries, broken pelvic bones, and internal injuries. He lay in ICU for 6 weeks, cut from the chest down. We're not able to close him because of complications. I was out of work to care for him for 4 months. I had no income. I earned my good credit, because I paid my bills. I was thankful that I had my credit cards to help me get by.

I have had my Chase Visa Card for years. The interest rate has been 3.99% since I transferred amounts. My credit rating is about 750. I am also paying off student loans and have all the other expenses that most have. This month, September 2009, my bill went up from $128 to $315. I called last night (9-5-09) and told them, "Since I am a single person trying to survive, there is no way in the world I can make this payment and I do not know what to do." The explanation was similar to what I have read, "Best for you." They offered me 7.99% with the rate of interest going up to about 16% in August 2010. Again, I told him I didn't know what to do and he suggested that I call Chase again on Tuesday 9-8-09 and asked to speak to the Hardship Department. I will call them on Tuesday and give you an update. There has to be something we can do?

I have a credit card through Chase with 3.99%. I have always paid $230 a month which was way more than the minimum due. Now they are wanting $377 minimum. How can they raise minimum dues like that on people? I have read thousands of complaints where this is happening to everyone through Chase. Can something be done about this?

I had a Washington Mutual Credit Card at 9%. When Chase Bank took over, my interest rate climbed to 27% and now 29.99%. I have made payments steadily, except for a brief mix-up on my banking online where the bank needed me to set up bill pay again at the first of the year and I was unaware the payments did not go out. I remedied this right away. My minimum payment skyrocketed of course with the high interest rate. I have intended to pay this off quickly as negotiating on the phone was an abrupt dead end - no customer service and no offer to lower my rate. I have sent in $400.00 average a month for months and still receive late charges. I called today and finally had an explanation that my payment on 9/2 was at the wrong time of the billing cycle.

Having lost my usual summer job, we pulled $7000 from a Chase credit card. Chase now raised the monthly payment from $250 to almost $1,200.00. How we are supposed to pay this, God only knows. What I don't understand is if this is happening to so many people, how come people are not on the street and there is no upheaval about this abuse? After all, the same bank took part of the $185 billion bailout from us, the taxpayers, and had no problem with that. Why are the legal changes only happening in February, allowing the banks to act like this in the first place, and are they really allowed to do this? What is it that we, the consumers, can do about it? There must be something possible to counteract this shameful and unethical behavior. Complaining alone won't change anything, as obviously Chase does not care at all. Stronger measures than that are needed. Can we address the government directly? Gather signatures? Elizabeth Warren is so right. Consumer protection is desperately needed. Is there anything else we can do?

Because of past experiences with credit cards, we have only one credit card and pay it off in full. We had our account with Chase and in June, we were on vacation and I missed the payment deadline by one day. So I paid the late fee in addition to the entire balance and didn't use the card again until September. When I tried to use the card, it was declined. Since I had paid off the balance and hadn't used the card, I couldn't understand why it would decline. I went online and discovered that in July, ten days after I paid off my balance, I was charged a finance charge.

I have never been late on my Chase card and value my credit score. I just received my September statement and my minimum payment has gone from $397 to $901. I cannot pay this amount monthly. I think it's sad that they are doing this. Again, I have never been late and what this will do is not help the economy but force honest people to have to resort to bankruptcy. I would have never resorted to this, but either way my credit will be tarnished by either late payments because I cannot afford the payment or a bankruptcy on my record. I will have to file bankruptcy or use a debt relief. My nerves are shot and I cannot sleep because this has stressed me out so much. I wish I did not care and could just not pay. This is an awful hit to Middle America and will hurt our economy.

I had a Chase Business Credit Card (now closed). I have had it for about 2-3 years. As far as I can remember, my account has never been late or over the limit ever. I hadn't used the card for a while and decided to make it my primary card to use. I made several purchases. I sent a $50 payment in immediately after using it. About a week later, I received a postcard stating that my payment had been returned and a $39 return payment fee was applied to my account. While I had not been using my card, I had switched banks. I had the old bank routing and checking account numbers linked to my Chase card.

Just like the other customers of Chase, my account was terminated immediately without any letter or noticed from Chase. I was even using it on my groceries when the cashier told me my transaction was denied. I thought it was just a machine error. I did not bother to call Chase to check. Then, I tried to use it again and was denied again. I was really wondering why because I am a good payer just like others. I pay my credit cards in advance (no late payments) and pay more than the minimum amount. I have no idea that Chase closed my account.

Chase executed an online balance transfer 2 days before they were supposed to causing $204 in overdraft charges. Multiple calls did not resolve the issue. They changed from WaMu to Chase, changed the way balance transfers are executed. Under WaMu, the balance transfer occurred on the date the customer requested. Under Chase, they pull the funds on the day you originate the transfer and then actually transfer the money two days later. This in turn led to me being overdrawn for six debit card transactions totaling less than $100 leading to $204 of overdraft fees.

I received my monthly statement today and was shocked to see my minimum payment went from $88 to $234 on my 3.99% life of loan account. I was devastated. I have two accounts with Chase where I transferred other accounts for their promo rates. (I can't wait to see my next statement, which is also a 3.99% promo rate. I anticipate the same minimum payment since both have the same balance.)

I, too, am one of the thousands who have recently sat down to make a CC payment and received the shocking news that my new minimum payment is outrageous. Unfortunately for me, Chase did not offer me any way out not even the higher interest rate scam. While misery does love company and I'm grateful to sites like this for the forum, I suggest we all seek solutions.

Heads up: Your principle may not be going down as you might have thought. Carefully review your statements with Chase. Last two statements, I paid more than the minimum as stated on electronic and paper statements on the account. You would think that the amount over the statement amount would go to principal, wouldn't you? Not so with Chase accounting. Last two payments, Chase apportioned some of the amount over the minimum to "accrued interest due" rather than to principal. 17 e-mails finally got Chase to apportion the entire July payment above the minimum to principal. (If Chase can apportion amount over the minimum to interest rather than to principal... calculate the effective daily interest actually paid for that month and you will be even more angry!) Now I am working to get Chase to adjust the August payment between principal and interest; probably, in mid-September if I am lucky. Repeal the Financial Modernization Act of 1999.

I was stung by the 2% to 5% change in minimum payment also. Luckily, I can afford it. I really feel sorry for those people who used the low interest rate consolidation loads to get their finances in order just to have the terms changed on them. I never received the notices and did not receive any voicemail as the CSR told me I did. I have opted out of paper notices so it was easy to verify that I had not received the notices. I really feel insulted that the CSR told me that Chase made this decision because it was good for me and that it hurts Chase because they were losing lots of money in interest. I told the CSR, "If that is the case, then change my payment back to 2%. Chase must be okay with that because it is better for them." He then admitted that Chase will use the money to get a higher return than the 2.99% that I am paying.

I fell behind in auto payments when I lost my job. I tried to have a reduced payment from Chase for the auto loan that I had two years left to pay. I was denied this option. The bank repossessed the SUV in May and the balance was $7500. I never received a bill in months from Chase or proof that the SUV was repossessed. A bill from ACI Collections came in for $6085 due. The SUV was worth over $7,500 blue book value! Why is the amount so large even when the SUV was taken away! I wanted to sell it and pay the loan off and Chase would not allow it. They stated it was already written off! And this is the company that took a Federal Bail Out? Also, the auto was dangerous and had many recalls at the time of purchase, and I was not informed till the Jeep's wheel fell off!

Without warning, Chase lowers our credit limit just enough after each payment is made in order to charge us additional interest that is not covered within our monthly payment. Each month, our payment has increased (without using the card). They are increasing the payment to an unaffordable amount for us. Each time we call, we are given a different answer. They are well aware that by decreasing our limit each month, we will incur the additional interest payment.

I have a Chase Visa account. I signed up with Chase's special offer of 5.99% which was to be for the lifetime of the loan. My minimum payment has been around $300. I've consistently made my payments on time since I've had the card. I just received my statement for September and Chase has increased my minimum payment to $705 per month! I called Chase and was told: 1. I could close the account; and 2. I could sign up for a new program of 7.99% (good only until August 2011) and they would reduce my minimum payment back to around $300. This is outrageous!

I am one more customer that Chase thinks has more money than ever in this economy. Chase Bank has increased the minimum payment from 2% to 5% on a 3.9% Debt Consolidation Account. A friend of mine told me this happened to her and I said, "it can't happen to me because I made the deal until paid in full," but now I realize that was just the interest rate, not the minimum payment - I assumed both, never even realizing they could change the minimum. They always want you to pay less and love the interest as it adds up.

I went to pay my bill today (payday). I have never missed a payment or was late on a payment and always paid over the minimum payment due. I had transferred balances from higher interest rate cards several years ago under the terms of 3.99% and 4.99% until the balance was paid off. My payment for the last few months was $290.00 and I believe the most it ever had been in the past was $320.00. When I logged on today, Chase was asking for monthly payments of $706.00. That is more than I currently pay for my mortgage on my home. I was informed that information had been mailed out regarding the percentage change. They used to base minimum payments on 2% of the balance due; they now base it on 5% of the balance due.

I had 2 accounts with Chase, both had balances of $2,500. I did use them frequently but also made sizable payments, usually 3-4 times the monthly minimum. I was responsible with the cards and did not miss payments until recently. I missed one payment by 3 days. The next time I logged on, I saw one of the accounts had been closed (timing may have been a coincidence). I then received a letter saying that my account may have been closed for one or more of multiple reasons. Fine, I thought. I am hearing about these things frequently on NPR. I then paid the entire balance of $1,800 in full, only to find out that there was a discrepancy between the WAMU site (WAMU is now becoming Chase) and the Chase site. Because "closed" was posted next to the wrong account (I found out after the payment), I paid off the open account.

Without pre warning, they raised my "3.9% interest till paid off account". I was never late since entering the agreement. I always paid more than the designated amount and have perfect payment history. This puts me in danger of losing my good credit standing I have accrued for 20+ years because of breach of contract on their part. Payment went up 150%.

Just as the other entries, our card was also stopped. We have never missed a payment, payment has never been late, the payment amount has always been greater than the minimum payment, and we have had the card since 2005. This follows a letter from Citi credit card saying their card has been stopped! This makes no sense to us; the way we handled those payments were the same as with Chase. What is the point here? Don't we, the consumer, have some type of rights? After all, those companies were made by us!

Chase has now decided to close my other (formerly WAMU) Visa that they missed in the first purge. Like so many others, I learned about it when I went to use the card, and was declined. Again, no letter, no notice, just Chase showing how little they care about people. I called Chase and their “explanation” was that I was using too much of my available credit. Well, duh, that was caused by Chase when they closed the other card and pulled $3K out my available credit. Of course, the phone reps and their supervisors are as rude as can be, telling me that they had every right to close my account based on the “newly discovered” negative information. Again, the only thing that changed is that Chase closed my other card reducing my available lines.

I was shocked (to say the least) to see the minimum payment calculated from 2% to 5% of the balance on a debit consolidation loan. I have been a card holder since November 2005 and have never missed a payment. Chase said I was notified, but I surely do not recall seeing any such thing. I'm barely able to accommodate payment due this month. Next month, the minimum is out of reach. I have worked hard to have a perfect credit for 20+ years. And now, I'm about to watch it go down the tube! I am getting more distressed by the minute! Bankruptcy is where the next month's payment will go toward if nothing changes.

We signed up for the business credit card and was promised that we would receive a percentage back for purchases. What we did not know is that every month, you have to redeem these points and if you do not, once your next statement cuts off, you lose all the points. We were expecting these points to be paying out at the anniversary date of the card, like our personal American Express card does. Customer service said that I should have read the agreement and the agreement states that these points expires if you do not take action and there is nothing they can do about it.

I'm one of the tens of thousands of folks that Chase Bank has increased the minimum payment from 2% to 5% on a 3.9% debt consolidation account that they got in touch w/ me on three years ago. With a $26k balance, the payment is going up from $540/mo to $1333/mo! There is no way in the world that I can make that size note! Is there any legal recourse or potential for a class action suit against Chase Bank?

I have had this Chase credit card for over a decade. In all that time, I have never ever been late on any payments. I have always paid more than the minimum payment. When the economy went bad, I experienced some loss of income. I went from budgeting $300/mo down to $188/mo. The minimum payment was below that, even. But as I said, I dropped it down because I was no longer in a situation to pay $300/mo. I had not been using the credit card for purchases, so the balance only went down, all the time. What was on it was a balance transfer.

Chase had given me a promotional interest rate because of my good standing, never late, never missed a payment. Not making enough money on me, they raised my minimum payment from $122 to $300. I understand this has happened to many thousands of Chase members. In these economic times, we can't pay this!

Like in many others, a Chase rep talked us into to consolidating our bills to one card with a 3.99% interest rate for life if there's no default on our part. Our balance is $33,000 (down from the initial $45,000). Payment was $670. Now, it's $1,650! Do you know what the Chase rep told me when I called? I was told "The good news is you now have a 25-day grace period. We're giving you 5 more days to make your payment"! I was told my option was to agree to an increase to 7.99% for two years to continue with a 2% minimum payment and then the interest would increase to the consumer rate (over 20%). The Chase rep said they were only increasing the minimum payment on those that had promotional rates.

Long story short, my husband and I have had the same Chase card for 15 yrs +/-. In February 2000, Chase arbitrarily raised our rate. We cancelled the card. We were contacted to reinstate the card and negotiated at 9.99% fixed rate for the life of the card. We just received our statement wherein the interest rate was raised to 16.45%. 80% of the time, we pay our balance in full and if not, within a couple months. I contacted Chase and asked why the increase. I was told that we were "not the only people" they raised the rate on and we had been sent a notice that our rate could go up (which I never saw) and we could have "opted out" at that notice time by closing the account. Closing the account, what an option.

I did not receive my monthly statement in the mail for the month of July 2009. I contacted customer service and they sent me another bill. But when the new bill got there, they charged me late fees plus I had a 0% introductory rate which they changed to 12.24%. I have never made a late payment and never would intentionally. I value my good credit score. I contacted customer service and asked why they had done this and she said because my payment was late and the next week I got a letters from Chase lowering my credit limit substantially on all 3 of my Chase cards, which in turn lowered my credit score.

I had two separate credit cards in 2008, Cabello's and Circuit City. First, the Cabello's card was purchased by Chase, and then the Circuit City account was purchased. Month after month, I called Chase about access to a web-based payment system for Cabello's, and I was repeatedly given the wrong information. This resulted in $35 late fees on top of very high interest rates. All of my other credit cards (2, each with much higher payments) were never late and in fact retired much earlier.

I, too, like in the many complaints I have just read, am being screwed by Chase. I have made all my payments on time, paid more than the minimum, and never went over my credit limit. They raised my interest rate to 29.99% then closed my account for the very same reasons they gave the hundreds of other Chase customers. At this rate, it will take me years to pay off this credit card. Chase should not be allowed to do this to their customers.

Like many with similar complaints, Chase arbitrarily raised the minimum payment on my credit card balance (which, incidentally, was a promotional balance transfer) from 2% to 5%. This sent my monthly payment from around $225 to over $560. I never missed a payment, excellent credit, etc. I called customer service, stating that it was impossible for me to accommodate the increase in my budget. They offered to "work with me" by raising my interest rate from 4.99% to 7.99%, despite the original terms of my balance transfer stating 4.99% for the life of the loan/transfer. The service rep said that that was the only thing they could do for me, no other options were available.

Sept. 3, 2009 at 10AM, I called and spoke with Corinne, an account supervisor, who told me the minimum payment increased to 5% from 2% and that the term could be changed without the customer's agreement. I told her when I took their 3.99% fixed rate on $10,000.00, I was told that this rate would last till paid off and the minimum payment would be 2%. I was absolutely reassured this was the agreement and it would not change at the time I took the money. This I could afford and so I agreed. I have always paid on time! This change is dishonest! If I fall short on this huge minimum payment, they will change my interest and hurt my good credit history.

I got my Chase credit card bill today like millions across America. They are making me go from a $70 payment a month to a $165. A month! I called them and asked why such a huge payment jump in 1 month? They said they wanted to help me pay off my credit card quicker. When I asked her, are you trying to lose customers? I know Chase wants to make money but this will make it very hard on people across the county including me. She replied "Well, we are not a charity organization." I could not believe my ears. We bail out banks and this is what we get. We should all boycott Chase! It makes my family's life hard. We live on a fixed income. We are in our 60's. We have always paid our bills on time, but when they do this, I will buy food before I pay this.

I have been a good customer, always paid my bill on time, and this month Chase almost tripled my minimum payment. It went from $345.00 to $850. I cannot make that payment, thus losing my very good percentage rate I have on the balance. This situation will cause my account to go into collections.

I signed up for a promotion called Commuter Cash. For every $150 you spend on the LIRR, MetroNorth, Metrocard, Taxis in NY, you get a $10.00 credit on your statement. I made over $450 worth of MTA purchases by the date the promotion ended. I never received the statement credit. I spoke with several supervisors and they confirmed my MTA/LIRR and MTA/Metrocard purchases by the end date and even saw the promotion online. They said I should have had the statement credit. They sent it back to the marketing department and supposedly sent me a letter (never received) that those purchases never qualified. This is totally incorrect! It seems that they just wanted people to make credit card purchases and not issue the promotion.

We had an effective APR of 4.5% for the life of the loan. We also have a high balance of $19K on it. When we got hit with the 150% increase minimum (from 2% to 5%) of the balance, our payment went from $375 to $918. I have read all the stories about others and Chase offered us the same great deal of 7.9% for 2 years then variable. I also, was offered that "great offer" in which I rejected it in a nice way calling the lady crazy, cooled off, then the next day called around and found the hardship department at Chase, in which helped us.

I am just adding data to the unethical event of Chase raising credit card minimum monthly payment from 2% to 5% on those (me) with a promotional interest rate of 4.99%. I was already paying 3% to help pay down my own debt, but I am unable to handle the 5% that they arbitrarily raised it to. They know that many people cannot afford that sort of increase during these times to unethically get your interest rate up and bleed you. There needs to be another class action suit! I will be forced to allow my interest rate to be increased to allow my minimum payment to stay at a reasonable amount.

I opened the card statement and saw that our minimum had gone from $230/month to $563/month. We took advantage of the low interest for the life of the loan deals. We pay on time, have good credit and always pay over the minimum. I don't know how long we can make this kind of payment. How dishonest can they get? No notice. Thank God I read the statement as I had already scheduled the payment online ahead of time. While this may not be illegal, it is certainly unethical. Disgusted. I'm terrified that we will go into default. Severe economic hardship.

Good day, I had a WaMu credit card and paid it on time every month. Chase bank raised my zero interest rate to 12.99% without telling me. Then when I called to complain, they told me the rate was going up to 21.99% but that my card had been closed several weeks earlier, but that I could "say I wanted it closed" and the rate, closed would stay at 12.99%. Of course, I said fine, even though I had no choice. This was horrible, it has affected my already struggling credit rating due to medical bills and I had no recourse. Please help. Thank you for your time.

They closed my credit card account. I never missed a payment and was using it to build up my credit. Chase took over WaMu, my card was converted to a Chase card and the interest rate was increased. I am now struggling and still paying off my balance, which is now "delinquent" because it has been forced on me and is ruining my credit.

I did not see a notice that the minimum payment was going to rise from 2% to 5%. My minimum payment jumped to almost $600.00 for September. I have an auto deduction, so that amount will automatically come out of my checking account or I lose the fixed rate. I transferred and have paid off numerous balances to Chase, and now, they raise the minimum payment stating that the minimum payment was not part of the original terms and agreements and could change at any time.

I noticed my minimum payment almost doubled. When I called to find out why, I was told that this was how Chase is helping consumers pay down their debt faster. However, if I wanted to keep my minimum payment the same, I would have to agree to a higher promotional rate on my 4.99% for life rate. (It would go to 7.99% for two years, then to approx 20%.) How exactly does this help me pay my debt faster? If I make the deal with the devil, I'll be ensuring I stay indebted for twice as long, since the rate would almost double. They responded that if I were to default, I would be hit for penalties and a default rate of almost 30%. I feel like these banks have become casinos, and as we all know, the house never loses.

I'm one of the one million Chase customers that had a high balance (I bought a car) and low interest rate for the life of the loan. My minimum payment was increased from 2% of monthly balance to 5%. Do not do business with JPM Chase. Do not do business with any company associated with these people. Here is a list of officers and directors of JPM Chase: **.

I conducted two transfer balances to this credit card a few years ago. One transfer was a locked interest rate of 3.99% for the life of the transfer with a 2% minimum payment of the outstanding balance until paid off as long as I didn't default. The second balance transfer was 5.99% for the life of the balance at 2% minimum payment of the outstanding balance till paid off as long as I didn't default. I have had the account in good standing since owning the card since 1997 and come to find out that the credit card company has told me to keep these rates.

On August 29th, I received a change in my credit card terms from Chase card services. The notice is very threatening in the verbiage used. They are changing my rate from fixed to variable. My rate of 10.99% will be raised to 14.24%. If I do not accept the terms, they will close my account. If I do not use the card in the future, they will close my account. In addition to that, they also say they may require me to pay the entire balance immediately. I have a high credit line on this card. If I close it, it will have adverse effects on my credit score. I have had this account for 11 years. I have never missed a payment and have excellent credit. I feel like I am in a catch 22. These changes do comply with the new credit card legislation as the changes do not take effect until Nov. 1st.

My WaMu credit card was closed by Chase without prior notification although I had the account for over a year and was never late with my payment. I paid well over the minimum amount due monthly and had paid the $2,000 balance off twice during the last six months. I feel that WaMu customers are being targeted. My credit score has been affected. I am also embarrassed to go into the store and be told my card was declined for a $50 purchase even though I should have had at least $700 available.

When I received my statement from Chase this month, my minimum payment went up from 2% to 5% of the balance. I called thinking it was a mistake but was informed by their rep that they had sent out an amendment to my agreement with them, stating that my payment would be increasing. I was given the option of allowing them to raise my interest rate in exchange for keeping the 2% minimum payment, which I declined. But when asked if this change affected all of their customers, I was told no, only people like me who had taken advantage of low interest rate offers to transfer balances from other cards. This seems wrong to me. Can they get away doing this to only a portion of their customers? It will be very difficult for me to continue to make the minimum payment. I will have to do without something else.

I received my Chase MasterCard statement for the month of September 2009. To my surprise, the minimum payment due had been increased from $250 to $630. A couple of years ago, I had consolidated my debt agreeing to a low fixed rate that Chase had offered. I have always paid all my bills on time. I have always paid more than the minimum due. I have a very high credit score. I am a good customer. I called 1-800-945-2000 to find out if I could have the minimum due amount returned to what it was. I was informed that my only option was to accept an offer which would return the minimum payment to $250 for a short time then the minimum due would go up to 7.99%. Fearing a $1,000 payment due, I declined.

Hoa! My minimum payments just doubled! What a rip off. I had agreed to transfer my balance to Chase based on the interest rate and minimum payments that I was going to have to make “for the life of the balance” and that just went down the toilet for me.

Beware. Although my new statement showed the increase in my minimum payment from 2% to 5%, which I never received notice of either. When I went online today and looked again at my statement, the minimum payment is now zero. They probably want me to not make a payment this month so I can be in default and they can raise my interest rate to 29.9%. This must be their new tactic, so be careful! I had also been a loyal customer, who was never late and always paid more than the minimum. I will not give in to their extortion plot and am trying to revamp my budget to try to come up with the extra money. I am going to close my account and will never again deal with Chase!