Chase Credit Cards Reviews

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

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

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

I’ve been with Chase for 9 years. My credit score is in the mid 700s. No late payments, I make 6 figures annually, Chase refuse to give me a credit increase. In addition, they lowered my account by $1,100.00 about 2 years ago. Why???? Now, Chase offers a pay later on 80% of my charges and like an idiot I opt in for 3 charges equaling less than $300.00. I have no idea why I wanted to try this. I’m the fool. Now I’m over my limit and I’m accruing interest. I called Chase to pay off what I owe and they only allow to pay the entire balance.

I had two accounts with them both over 10k. Out of nowhere they canceled one account because I didn't use it for a few months like God forbid I use other cards I have or just don't want to spend money but if that's not bad enough they then dropped my credit limit on the other card from 10k to 3200.00. I literally was late on one payment the few years I have had them. What a awful company and had I researched and knew they were like this I would have avoided them like the flu. Anyway I'm going to pay off this last credit card and cancel and stay away from anything involving Chase.

I have used Chase Sapphire for the travel rewards. I have been on hold because of Chase travel vs Card Services over 3 hours the past week. Both don't know how to resolve me paying a Chase hotel charge with my points though that is what I was advised to do. They keep passing me back and forth. In addition, I was told by Card Services that I would be receiving a "Push Notification" to confirm my account after I had been on the phone for approximately an hour. I did not receive one, so the agent said the account would be reviewed, the account holder would receive a call in 24-48 hours. I asked how I would receive the push notification she said it would be a push notification. I asked would that be on my phone number on file, would that be with my email on file, or would that be through the mobile app which I had running, and she said no, it would be a push notification and hung up. Unbelievable.

Chase will reduce your credit limit without any valid reason, cause your FICO score to drop dramatically just because you don't use their credit card for large purchases. I have several credit cards with over $12,000 limits and excellent on-time payment. I have never missed any payment with anyone nor late payment at all. I just use Chase for my routine purchases at Amazon a few hundred dollars a month. No large purchases since I didn't need anything.

I am a independent consultant who does book keeping services for non-profit organizations. Two of my clients work with Chase Ink Credit cards and their services are awful. Anytime we tried to make changes to any names of managers, expand credit, or anything, they require wet signatures on actual paper documents be mailed to them. We mail them multiple times and they always claim they "never got them". We even sent the last two with tracking that proves they did receive it, and they still say they never received anything and can't help us. DO NOT USE FOR BUSINESS CREDIT CARDS.

Worse credit card I have ever had. Everything about it has been a nightmare.

I would not ever refer anyone to get a Chase credit card or Chase Sapphire Reserve card. I was paying $495 in annual fee and they drastically increased the annual fee to $795!! For what? The customer service is so bad! Many times, I tried to book flight tickets, they show one fare initially but when you go to check out the amount is higher! When I called customer service, they have no proper explanation for that! Fraudulent practices! I also got a refund from American Airlines for $3500/- after I closed the card, they would not even return my money saying the card/account is purged and they cannot even find my account, just after few months!!

Chase would not apply united bonus points to my account after I presented the promotion I received from a united flight attendant. They should be ashamed for not giving the promotion. Disappointed and considering leaving Chase.

I have had a Chase card for years and pay the total each month. While traveling to Central America, my debit card was not working because of the horrible problems with the banking system interaction with the USA (and I spent hours making sure my everything was fine on the US end). Running out of cash I had to do a cash advance. Chase rep told me that the massive interest (about 24%) would not start until 24 hours after the withdrawal, so if I paid off the ENTIRE current balance (not just the advance) a few hours after the advance, I'd evade THAT charge (two other fees, one to the ATM and other to Chase of $10 or 5% whichever is MORE), are unavoidable.

Never missed a payment. Checking and savings access, with two cards. Every time I've made large payments I get an email about the card credit limit goes down. What a rip off and poor customer service. Can't wait to pay these off to close them and give them no more of my business.

I opened a Chase Credit Card last year to use instead of my bank debit card to give me an extra layer of security. I further liked the fact that I could get them to lower my credit limit to just $2,500 to protect me in case I am hacked. To make sure I always have at least a $1,500 available on this card, I make payments on it numerous times throughout the month. I just noticed today that I have a credit balance of $174 on the card, but an avaliable credit balance of $0. This made no sense so I called Chase to find out what is going on. I was informed that a security hold had been placed on my account for suspecious activity (i.e., my continual payments for purchases I have made even though the payment is not due).

Worst card ever. I have been a customer for 5 years, never missed a payment on ANY credit account and NEVER had a late payment, and had a ZERO balance on my account and they reduced my credit limit by 2800.00.

Do not trust Chase Credit Cards. They are a snake in the grass waiting to nail you with high interest. My payment was late because of the mail of Chase didn't process it properly. First time in almost 30 years. They instantly used this as an excuse to raise my rate. Almost double. Their customer service us branched overseas and is absolutely worthless.

I have log in Issues, so simple but they can't fix it, can't even text me a code but says, "Sorry it didn't go through to complete verification," asked initially to update my phone number and couldn't do that, now I can't even log 'cause system won't accept my information. Again no fix. I am unable to switch acct amount over to my bank and go them instead.

I received a survey from Chase today regarding an interaction I had with a rep yesterday on my "Amazon Prime Visa" account. Since there was a blip in sending the survey back, here goes: Chase is the SIMPLY the BEST in CS. Have been a member for over 10 years, and I, personally have never experienced anything but, CONSISTENT professionalism, courtesy, knowledge and a genuine desire to "help the customer". Chase is, in fact, the ONLY company that my household has contact with that does this EACH and EVERY time. Again, this review is only about my experiences with my "Prime Visa" account. But in 10+ years Chase has consistently surpassed everyone else in Customer Service.

I have cancer. I received money for disability for my cancer. I used it all to pay off a credit card through Chase. Once I dumped 5500 dollars on the card, they closed the card and kept the money. This was all the money I had to live on. No card or money. They said they would give money back but I just received a letter that it's not going to happen now. So now I have no money to live on. I'm a business owner and I dumped millions of dollars through my account at chase. When I needed them the most they weren't there for me. Now I have to find money to live on while fighting cancer. This is no way to treat a member of 10 years. I'll be closing my account and going somewhere else. I'll never rebuild with them again. I suggest you to the same before you're in need. Don't allow them to kick you when you're down.

Last summer I ended up giving my brother over 2000.00 to help him with funeral expenses for his son. I also used my Sapphire card for a trip a to Portugal back in October, so I expected my score to drop. However since then I have paid that amount back, and I only use my cards in emergency situations. When I do, I immediately pay the amount that I use or even make payment to cover the amount I am going to be charging. For example I had to rent a car this past December. The amount was 109.00, but prior that purchase I made a payment for 120.00. I have even taken out my money of my 401k and used my federal income tax return, but after all this, my score increased a lousy 1pt.

I received an email from Chase stating that there had been a credit limit change on my account. When I went in and looked they reduced all my cards down to a couple hundred dollars above the balance. This destroyed my credit utilization and score because of such a move. When I called and questioned it because I have never missed a payment. The woman more or less said it was my fault and I could have controlled how much I used. I asked why have a payment amount if making it doesn't matter and she did not have an answer for me and told me I could dispute it but that it would be a hard inquiry on each card that I disputed. Absolutely horrible customer service and overall business practice to screw with people's scores intentionally.

HIGHLY DO NOT RECOMMEND!!! At first it was ok, seemed like a good card. But minimum payment always was high compared to balance. I've had it for almost 4 years now and never missed a minimum payment + never been late. Within the first 2 years they only increased my limit twice by just a few hundred then it went from $1,000 then within like 6 ish months later it went to $2,000 and another like 6months it jumped way up to $4,000 so in December 2025 that was my credit limit with a balance of $1,600 then next month I had a balance of $1,800 and bam they dropped my limit in half, back down to $2,000 so it’s almost maxed out now which dropped my credit score down almost 100 points!!! They gave me no warning of this at all and no reason for it to happen, I have never missed or been late with payments they should not be allowed to do this to someone unless they have good reasoning like at fault for non payment but no just hurt my credit score badly for no reason at all!!!

In all honesty, my banking experience with Chase has been okay, but I cannot say the same for their credit cards, specifically the Slate Edge. They ran my credit a couple of years ago, approved me for the card, and I used it a few times. Then, because I wasn't using it regularly, they closed the account. I find this unfair and biased! This action should be reserved for non-payments or misuse of the card. Chase needs to address this and show customers they are valued. Furthermore, customer service had a poor attitude, as if I had repeatedly requested reactivation, even though I only called once. I wanted to highlight this issue. Thank you.

Regarding Chase's transfer policy, when you make payments Chase applies the payments to the balance with the highest APR, not the oldest transactions. Because of this policy I am now being charged double the interest fees. Nowhere did it state that when I make payments, my payments would be allocated to the balance with the highest APR.

I am documenting an unresolved fraud handling failure. An unauthorized charge was posted to my credit card. Chase issued a credit, then the same charge was rebilled. Multiple representatives told me the case was resolved in my favor, while the Executive Office stated it could not see that resolution. That internal inconsistency left an unauthorized amount back on my account. I did not authorize the amount, do not recognize the merchant relationship, and requested the case be classified as fraud, not a merchant dispute. The merchant cannot be independently verified through standard listings. I have been a Chase customer for 20+ years with an 800+ credit score and no missed payments. I have filed with the CFPB and requested:

Be very very careful before getting a Chase credit card!!!! Terrible customer service. The agents could care less about the clients. This is ESPECIALLY TRUE with the CHASE/AMAZON CREDIT CARD. Neither company corresponds with the other company. If there's a discrepancy, it's up to the card holder to contact both companies and try and figure out what's going on. I was charge $5.72 finance charge (not a lot) but it was because of Chase's mistake about not sending me a bill sooner, yet they would not reverse the charge. They acted as if there was nothing they could do?!

After our 5 adult member family being loyal Chase Visa card holders for over a decade, we will stop using Chase visAS going forward. The travel insurance appears to be a scam. For our August 2025 trip from the U.S. to Portugal, we paid for Chase United Airlines Visa cards to have travel insurance. After several hours of circling over the U.S. mainland, the pilot returned the flight to the U.S. as a flap warning light was coming on and the flight was canceled.

Paid 5K on a credit card and received a call 2 weeks later saying they are reviewing my account and after the review they "may" lower my credit limit. Said the review would take another 2 weeks and they will send a letter with their decision. Logged in after the call and they had already lowered my credit limit, it seems to me the call was just a CYA. Will never do business with Chase anything again!

I've been a customer of Chase Bank for over a decade and have several credit cards with them. Over the years, I've done some pay later plans. I recently had five active pay later plans. I bought a purchase for about $1,300 in December which I then returned but the merchant refund didn't hit until January. Instead of putting the refund as a credit on my account, they put it against the pay later plans. So I paid fees for five pay later plans and then they used my purchase refund to pay them off. WHAT A RIP OFF! They refused to even work with me, "that's just how the process is". I spend thousands of dollars every month on my Chase credit cards but I cancelling them.

Chase Sapphire Reserve Card: When we went to San Miguel de Allende in November, someone made a $2003.10 charge on my credit card for hardware from Comer Neggler Company, which appears to be a Mexican provider of cleaning chemicals. I immediately cancelled the card and reported fraud to Chase. They "investigated" and 62 days later contacted me to say I was responsible for the charge. I have since three times challenged the charge. Each time they come back a couple of days later and tell me it's legitimate. I asked them how they decided. They said because the charge was made on my card. They have not called the vendor and asked for a receipt with a signature. I have complained to a state agency, a federal agency, the state attorney general, etc.