Chase Credit Cards Reviews

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.

I applied for a card with Chase and I have very good credit and a decent income. First I applied through the internet and it took over a week to hear back from them, when I received a letter I was told someone was using my identity, funny that was there reasoning for the denial because I have lifelock and would know right away if this was true and it was a total lie. I called the customer service line on the letter and had to go through a automated system that will not let you speak with a human, it told me they were reviewing my application and letter would be sent to me stating whether or not I was approved, this seems to just put me in a run around situation, I will never apply for a chase card or any product of there's ever again.

I had an unauthorized charge on my account from a merchant that I had done business with in the past. In my haste I had reported the charge as fraud on their website. Was sent a new credit card. Two statements later, the charge for that same merchant was back on my account. It took an hour for me to get through to someone and when I did I was transferred over to the fraud department, where this broken record of a person repeated over and over again why this unsolicited charge was not fraud.

I am a first time CHASE CARD holder. I only got the card to do a balance transfer because for 4 years they BOMBARDED ME with ads begging me to sign up. When I finally signed up, the following happened. I was immediately denied. Only when I called them asking why did they say "Oh nevermind you're approved." My card was stolen on route and used. I only found out because I got an email about an account I hadn't even had the chance to activate yet. When I called about the fraud charges, those were dropped along with the initial balance transfer I requested. All the information I input was wrong. Name, Phone#, Address, Email. It was all outdated. How did they pull outdated info when I created the application with current ones? That is incredibly concerning and a security risk.

The log-in process had become too time-consuming. After having to call in order to obtain a code to log in and having the code verified, I then had to call another number and proceed to enter the 16 digits of my (Chase) credit card, the last four digits of my SSN (Social-Security Number), and, finally, my address. That usually sufficed. How I wished I had been Ali Baba with his "Open sesame" magic words! But I wasn't and, in view of the prospect of ever becoming him or of Chase's log-in procedure becoming less egregiously convoluted, I decided to close the account. Good riddance! Years ago, though, Chase had been my preferred credit card. Time marches on, and things change, be it for good or for bad.

Worst bank and credit card issuer ever! I would give it zero stars if possible. They are extremely unhelpful with any request and god forbid you have fraud on your credit card. It will never be resolved. Go anywhere else. Shame on you, Jamie Dimon.

I was lured into opening up a Chase Credit because of a 75,000 bonus point offer. The offer required that I charge more than $3000 within the first 90 days. 3 of my 1st six purchases were declined and I have at least 5 others within the past month. They were declined for fraud suspicion and, I lost the points I would have earned. I submitted a request that I be awarded those points but was declined. If I have a credit card that keeps getting declined, I will use a different one. This has been nothing but a pain in the....

Worst business card. I opened a business account on behalf of the company owner. I was just an employee. I was told by Chase that this was not a problem and I would only be opening the account, not responsible for it. After 4 years, I decided to leave the company and now Chase is holding me responsible for the company’s expenses. The company and I have filled out all the paperwork Chase required to transfer the account to the company’s owner, but they keep denying it. They also will not let the owner have access to pay the bill. This is a nightmare. I think I’m going to have to get lawyers involved.

I’m extremely disappointed with my experience with Chase customer service. I’ve had this credit card for years, started with a $6,000 limit, and have always made my payments on time. Despite this, my credit limit has been gradually reduced over time with no notice or explanation. When I finally called to ask about it, the representative acknowledged that the limit decreases had occurred, but instead of providing a professional explanation or solution, they proceeded to shame me for actually using the card and for having other revolving credit accounts. That was not only inappropriate, but completely unhelpful.

Horrible experience. Will not deal with this company again. Chase is sending me messages that I did not pay anything on my last bill. My bank statement shows I paid 10x the minimum payment. The Chase website shows no payment. I spent over an hour trying to send a message with text anywhere on the site. The boilerplate forms only allow you to respond to click answers with no way to respond besides the company's choices. From the various dumps of info I put anywhere I could on the useless site, I did not receive a response. Don't waste your time or money on this company.

Absolutely terrible customer service. They delay credit for payments,, make no effort to help customers with card issues... Advise not doing business with JPMorgan/Chase.... Bad experience... Recommend going to other options, stay away from these bad actors.

I hate Chase so much. I got my credit card through them 20 years ago and it is my oldest card. I am careful with my credit score and they actively try to diminish it. I’m not talking about missing payments. Obviously that should reduce your score. I am talking about the bank's unilateral decision to reduce the credit limit simply because I don’t use the card for much or often. Part of a credit score is a credit utilization rate, or, the amount of money you owe compared to how much they have made available. The lower that number, the higher your score. Chase has reduced my limit TWICE, without asking, and for no reason other than I’m not using the card enough. By lowering my limit, they consequently increase my utilization rate, which lowers my credit score. So this bank punishes good credit behavior. They suck.

Have been with Chase for nearly 2 decades... Southwest Chase only last few years. Called in for customers service this morning the 3rd of December 2025. Was "BELOW" standard!! Customer on the other line was great that we provided ** job... AND NOT outsourced to other part of the world.... But maybe we should... This agent was such an AH!! Services with an attitude!!?? YOU do not deserve to hold your job with ** mentality!! With stick to Capital One Venture X & Amex Saphire for now... Good riddance CHASE!!

Chase doesn't care about shutdown government employees. My spouse is government employees affected by the shutdown. We advised Chase in early October and asked for a payment arrangement for our credit cards. Thank request is still under review in early December. Collection calls keep coming. Some representative are understanding but most are far from it. Now arrangement has been made so they expect the full payment now. Each new call is yet another rep who hasn't bothered to read the notes and is completely clueless about what is going on. Poor service, incompetent reps, I've closed my accounts and this credit card will be shredded as soon as it's paid off.

I wish I could give zero stars. I have been an Amazon prime Visa holder for years. I dealt with identity theft in August and had to have my bank account frozen while I sorted it out. During this time I missed ONE payment. You can bet Chase called me immediately to rectify the situation. I paid over the phone. The next month, I find out that my bank had closed the branch of my savings that I had been paying my years of auto pay with. My mistake! But you guessed it, Chase is on top of it and they call immediately. I finally get it fixed. That's September.

I chose to do a balance transfer with Chase to pay off a high interest cc with another company. I am now paying chase AND the high interest cc because chase claims they sent the check but are unable to see if it has been cashed to which I am making payments to, and the high interest cc company says they have not received a payment from chase.

After being a customer for a couple of years I am appalled. The horrible customer service and the outlandish fees are criminal. After paying off my credit card in its entirety I kept accumulating more fees, I paid up and closed out and I am so grateful to never have to interact with them again. The process of closing my accounts was horrendous, more fees, more underpaid (and probably poorly treated) customer service reps who just didn’t care what they were doing to you. For context, I closed a Bank of America account the same day and the process was easy and costless. I would absolutely become a BofA customer again, but never again will I disrespect myself by having anything to do with Chase Bank.

Application was blocked twice due to suspected identity fraud; once is fine and expected; even perhaps a great thing that they have these protections in place! But after speaking with specialist on the phone, and then sending in several documents (birth certificate, passport, etc. etc.), they flagged and denied again on suspected fraud. I don't think it's worth it to follow up to spend another half an hour in endless looping telephone tag calls - I will take business elsewhere.

I've been a long time customer of Chase. Not just credit card, I also have my mortgage with them. I never had issue with them until the time I have to dispute one of my transaction with one of the merchant (Sun Auto Express Volunteer Blvd Henderson). Chase denied my claim twice. The transaction was for a misdiagnosed from the auto shop that cost me $2698.XX. I have submitted all the documents Chase have requested and did everything Chase have suggested and after all said and done. It is still denied. All the supporting documents that was submitted was the proof of a misdiagnosed action from Sun Auto Express Volunteer Blvd in Henderson. I have been a loyal and pay my dues on time. In my opinion Chase Freedom Visa Card failed to protect me as a consumer.