Chase Credit Cards Reviews

I have had it with Chase. I have had a perfect credit score and have overpaid my account since it was opened in the early 90s. I have never gotten a notice from Chase (which I haven't used for almost 2 years) saying my interest rate went up. I received my statement and noticed it had gone up quite a bit (without notice). I called Chase immediately and was outraged about not even getting a letter about this and said, "I am an outstanding credit holder and refuse to have this interest rate." The ** that spoke to me said, "There is nothing I can do about it," and said that my balance will carry this new interest rate from when I last used it 2 years ago and then hung up on me.

My credit card, Wamu (previously Providian), was bought out by JP Morgan Chase. My card became Chase Credit Cards in a blink of an eye. I had no problem at all. I had never missed a payment and always made a payment of more the minimum. However, the bubble just burst and I am now extremely aggravated. Due to the only payment options listed for making payments (nuisance since people use their Visa/debit bank card), I delayed making payments till 10 days before due. I finally signed up to make payments and made payment of at least 18% of the total balance. I also signed up for auto-payment since I did not want to be penalized for not making payments on time (with so many changes in grace periods and cycles periods).

My WaMu card (formerly Providian) was bought out by Chase and though I always pay over the minimum and often the full balance, they raised the APR to 31.99%. Their online website is very difficult to navigate and it took several tries to locate the "statement" with the APR on it. I was shocked. Payments have greatly increased and hardly pay down the balance.

My WaMu Card is now owned by Chase. I have had the card for over 10 years, first through Providian to WaMu and within the last several weeks, Chase. I received a notice from Chase that I was behind on my payment that was due on 4/9/09. I looked through my bills and found that I never received a statement. I called Chase today (one day after receiving the notice) and explained that we had not received a statement and was told by them that I had signed up for "paperless" statements. I never signed up for this and told them that I hadn't and they basically called me a liar.

My credit card was recently converted from WaMu to Chase. I rec'd the 03/09 statement which showed a $49 charge for exceeding credit limit. The credit limit was exceeded when Chase added the monthly finance charge to the balance not by my use of the card. I had just returned from an overseas trip so the account was close to the limit but not over the limit as I monitored the balance closely. When I called Customer Service, the attitude was dismissive and rude. I was told Chase was within the terms of the agreement; if I didn't like it, to close the account. I have filed complaints with the Office of the Comptroller of the Currency and the Colorado Office of the Attorney General.

I am just writing this to warn others before they make the same mistake I did. I recently applied for a Chase Visa card. I have excellent credit, 24 years of history, no bad marks whatsoever. I never even considered the possibility of being denied. When I got the "we regret to inform you" letter in the mail I was shocked. Anyways, I checked my credit to see if there was some issue I had been missing. There were none. I decided to call Chase to see if there was some kind of mistake.

Washingtion Mutual was bought out by Chase. My interest rate went from 15% to 31.99%. Calling them, they said there was nothing they could do due to the fact that we have not had credit with them. Having been with Washington Mutual for 8 years didn't matter. Customer service was very nasty, saying "too bad." I have always paid my bills on time. When I borrow money from someone, I repay. This interest rate is worse than going to a loan shark. Only difference is I guess they can't break my legs?

I also did not receive my very first statement due to me from Chase Bank after they took over WaMu. I kept looking for it. I keep a spreadsheet of my monthly budget and noticed that in March, I had paid my bill to WaMu on the 20th. So on the 20th, I found a phone number on WaMu's site to call, 800-788-7000. When I called, the automated system told me my payment had been due on the 17th. Is there a law mandating a minimum cycle? This change gave me only 24 days between statements. When I spoke to a "customer service" representative, I was told that she would send me a copy of my statement and when I asked that the late fee be refunded, I was told that my policy states that if the payment is not received by the due date, that a late fee would be charged.

I had a WaMu credit card. I paid the card off in full last fall (2008). In April 2009, I received a bill from WaMu through Chase Bank explaining that Chase has bought WaMu and would be administering the account. I called the number listed on the statement/bill. I described my situation - that I had paid the account and was not to be billed anymore. I did not want a credit card and to please stop sending me bills and stop the phone calls. I explained to the customer service person for Chase that I am a terminally ill cancer patient. I have been battling a rare form of breast cancer for 7 years (Inflammatory Breast Cancer). This cancer is very aggressive and required radical/extreme treatment. I have received every chemo treatment available - two very aggressive and invasive radiation treatment, and years of medicine to help with the damage and side effects. I have become permanently disabled from the treatments.

I have had my 2 Chase credit cards for many years and have never made a late payment. Like they are doing to many others, they have decided to raise my already high interest rates for no legitimate reason. It is truly wrong and unfair how they can hold customers hostage once you have used the credit that was extended to us as consumers. Between the fees and high rates, I believe there should be additional regulations. It is keeping me broke and stopping me from pulling ahead and becoming successful again. I am paying so much in interest and have never ever had one late payment on my credit report to any credit company ever. Not fair.

I had a credit card with Washington Mutual with 0% APR until 09/10. But when Chase took over WaMu, they started charging me fees for the balance at 9.99% without sending me any notice.

I had a credit card through Wash. Mutual & never had a problem with statements or paying my bill on time - WaMu was taken over by Chase & I have had nothing but problems with late statements. I had a 3.99% APR with them - which through late statements - I had to go into the bank to make my payments. They charged me with a $39 late fee & took my APR to 12.24% APR. I called the bank & they refused to waiver my late fee (2 days late) or rescind my APR back to 3.99%. I said I never received the statement on time so I did not know the due date or what my payment was to be for that month. They said that there was nothing they could do about it & there was no else in the building I could talk to about this.

I was never late. I never have trouble with all my accounts, but the Chase credit card decreased my credit access line to my balance. So all my account with them are high balances. Now they are going up and up and up in rate. Now I have a high rate and a bad FICO score. A bad FICO score = big rate for me = a lot of money for them. I cannot trust a credit card company anymore because they can control my FICO score. Very hard to pay back my principal but anyway, after all it's like a snowball. They all do that.

I always make payments on time. Just one time, I did it on the due day. However, it had passed 4 pm. They placed a late fee on my account. I called Chase and explained why I was late. Then I was told the late charges were waived. Actually, they still added a significant finance charge. I called again. But this time, she did not even want to listen. I thought the late charge should include all finance charges. However, they still wanted me to pay the late charge. I closed my credit card without paying just the late charge. They posted it on my credit report with the amount including additional charges for several months afterwards. Now, I've closed all other Chase Bank accounts.

I called to have my rate lowered and did not realize that Chase had raised my rate to 24% when they acquired Washington Mutual. They told me they could not do anything to help with my rate on a credit card I had for 5 years because I had a late payment 3-4 months prior. They offered to lower my rate to 19.9%. I was outraged. I advised my Better Business Bureau complaint is unresolved and I will look elsewhere as I was shocked that I was treated like someone with a 300 credit score. I am very upset! I have been overcharged for a period of years and to have them refuse to lower it other than 19% is crazy. I feel like they acquired my prior company and went into bandit mode committing high-speed robbery.

I paid off my Chase account twice in the last six months and each time, I got whacked with a fee of $1.00 at 17.46%. This dollar turned into $16.00 at 17.46%, which turned into $4,500.00 at 29.99%. I did use a promotional check for $4,000 at 5.99%. But because of my $1.00 late payment, I was sent to the default rate regardless of my long standing with Chase. I thought I was losing my mind, but I cannot locate my February statement. A critical one to keep my rate where it was. I wrote the state, threatened a lawyer (which for the first time I may use, we live in the sue me state anyway). Customer service was rude and unyielding with this dollar. I don't raise my voice ever, but they sure did. Call your State Financial Department and complain, complain, complain. Most states have a fraud for consumer affairs department. I say, bombard them with this Chase/WAMU issue and see if you can get any results. Good luck!

I have a credit card with Chase and two with Providian, who was taken over by WaMu, who was taken over by Chase. So now I have 3 Chase accounts. All my creditors are paid before they're due! I've never had a late fee or anything like that. I received a letter last week that because I had too much credit card debt that they were going to lower my available credit. No kidding? I am over-extended but each and every month, everyone gets their payment, sometimes more than the minimum, and on time! I have just been punished as lowering my limit, lowers my credit score that I have been desperately protecting. President Obama just had a meeting today with the credit card CEO's about abusing their customers like this. Good customers who are not happy customers now. I would love to see a 'boycott' and when this 'financial crisis' is over, where will these banks and credit card companies be? And so this does not 'affect' me or my credit score in a negative way, I would like information on the class action suit that I've been hearing about.

I am not a customer of Chase by choice. I originally had 2 Providian accounts (which became WaMu, which became Chase) and a Countrywide account (which became First USA, which became Chase). Now, I am stuck doing business with these jerks. I accidentally paid a payment a day late on one of these accounts, which incurred a late fee, which made it go over the limit by $1 and some change, incurring another $39 fee. When I called to ask them if they could drop at least one of these fees, I was treated very rudely and told if I read the Chase agreement, stated in the fine print, blah, blah, blah. I told them I never signed up with Chase, that people keep selling my debt and it's b.s.

First off, I didn't even want this Chase Credit card but it seemed like a good offer to consolidate some bills so I applied over the internet. I received a message congratulating me on being accepted. A few days later in the mail, I found out that I was only given a small credit limit and they had already transferred only part of one bill into my new Chase account - they didn't even give me a choice of which balance I wanted to transfer over and of course it was an account with a low APR rather than one with a bigger APR. Go figure. I called to complain about it but it didn't do any good. I decided to just accept it because at least it was 0% APR for a year so that would give me time to work on the higher APR Cards.

I called Chase credit cards today because I was one day late in a payment. I called the company to request the rate to be lowered - it went from 15% to 30%! They told me that since we were in the middle of a billing cycle, they couldn't. Mind you - this is the 2nd billing cycle. And then she told me they probably would not lower it anyways! This is the only credit card company that will not help us out - stay away! I am paying this off & telling everyone what they are like! Crooks!

I have a credit card with Washington Mutual which is now Chase. I received a March 2009 statement that was $2,890.37, available credit was $109.00, minimum payment was $99.00 due on April 7th, 2009. On April 3rd, 2009, I paid off my balance which is $2,890.37. My next statement must be zero but it is $48 due next month. I consider that a rip off. I am waiting for an answer from you.

I have a complaint about my Chase credit card. They had changed my due date on my account without notifying me. Then I made a payment 7 days prior to my due date. By the way, I make my payment online on time all the time. They returned the payment. I didn't find out until after 7 days. I called them, I spoke to someone and tried to explain myself. They don't seem to listen to what I had to say and the person I spoke too. He said he doesn't have time for me, that there's nothing they can do about it. Again, they didn't send me any statement for this month and expect me to pay $104.00 towards my account.

My 85-year-old mother paid off the full balance on her Chase card that was due from a cruise our family took. I sent the payment by mail in plenty of time before deadline because she is so careful not to be late on anything. They say they didn't receive in time and we shouldn't rely on mail. They charged her a late fee of $39.00 plus finance charges. She has always paid off the charge in plenty of time and they did this before. So we are thinking they do this each time and say we don't, and give us this $39.00 late fee. We are cancelling the card and someone needs to put a stop to a company ripping people off. If you don't pay, they continue to give you late fees.

I have been a Chase credit card customer for the past year (through Amazon.com and WaMu) and have been prompt in paying my bills to ensure that I do not pay “late fees” or “interest on balances”. I have had some past issues with the receipt of my credit card statements and have resorted to using monthly Outlook reminders to pay my credit card bills. The usual due date on this card is around 24th of the month. Imagine my shock when I logged to pay my bill today (21 April 2009) and to find out that Chase has sneakily shifted my payment due date to 20th of April, effectively charging me $39 as late fees. I called Chase’s customer service number to get an explanation. I spoke to one of the customer service representatives, April, who’s ignorant, rude and argumentative. She was adamant that the late fees were valid because it was my fault and that Chase would not reverse any late fees regardless of the reasons.

2 years as a card holder, and apparently a year ago, I made a payment 3 weeks late, not even 30 days late, and I just discovered they jacked my interest rate to 27.25% despite never having had a late payment prior to or since then. They refused to change my rate back, so I closed both accounts and sent a check for the balance due on both accounts. Then I called the airlines to complain about Chase's predatory practices. No more business for Chase anything from me or my business.

I had never made a late payment and always paid over the minimum amount due on my card with Providian, then WaMu, then Chase. As soon as Chase took over, I was informed that they were doubling my interest rate to 22%. I called them and and spoke to a supervisor and she told me that she would reduce my interest rate down to 11.99% for the next billing cycle. Imagine my surprise when I saw my next statement and that my interest was reduced ... to 19.99%. I paid off my balance of about $6500 immediately. I find out yesterday that even though I paid my entire balance, they had also changed the terms of use so that I still incurred another $93 of interest 4 days after I had a zero balance. What a shameful company. And they got bailout money? I also wrote the White House and urge others to do so and to call their Senators and Congressmen (and Congresswomen). This is just sheer exploitation of the consumer in these horrible economic times.

They raised my interest rate on an existing balance by over 50%. They claim notification. I did not receive one to my knowledge. I have never been late on this card; I pay on time. I have had good experience with them in the past. This is how they treat loyal customers who are bailing them out. This needs to stop! They get money loaned to them at less than one percent, yet feel the need to screw their customers.

I closed my credit card when WaMu was taken over by Chase Bank. I paid the balance in full 2 days before the due date. I was feeling great that my credit card was paid off. Then I received another statement saying I owed $14.86 in interest. I called Customer Service, talked to Taniki who stated that I had not paid off the balance in the previous month, regardless of paying off the balance by due date. I had somehow accrued interest. I didn't argue with her, but I gave her a piece of my mind and she hung up. I used to work for Chase in Collections dept. I had to take a test as to why interest accrues. I passed the test by rote memorization, not because I understood the convoluted way they were ripping people off. I quit after a month. I just wanted to let someone know about Chase's shady practices.

My wife had a baby this month and had some complications in the hospital. I was away for awhile with her and returned home before my next balance was due. I never received a statement from them and finally called. They said that my interest rate went from 9.99% to 29.99% and that I had a new finance charge of 118 dollars. This pushed me over my limit and was locked into a 29% interest rate. I explained my hardship with the baby and the fact that I never received the statement. They didn't want to help me and stated that if I needed assistance to call the hardship department. I did and they had to close my account in order to get my interest rate down.

In March 2009, I made a payment to Chase credit card. The minimum amount of $212 was due on 04/08/09. I wrote a check for $250 on 03/23/09. However, the amount of the payment I wrote in the letter was only $200. The bank, when processed my check, only collected $200, leaving me short of $12. Because of that, I fell under late payment. Chase charged me $39 for the late fee and increased the APR to 19.57%. I contacted Chase customer service 7 times on 04/21/09. Each time I request to speak to a supervisor, I get purposely disconnected 7 times after I was placed on hold for 10 minutes each.

I have a credit card with Chase that had $1.90 February balance. The due date for payment was 3/25/09. I called the company and asked them if I have to send a payment. They told me that if it is less than $5, I can opt to pay with next month's payment. I still went ahead and paid by bank electronic payment. The bank paid $1.90 by EFT on March 24th. Somehow, Chase documented that funds were received on March 26th (one day late). They are charging me $39 late fee and $5.65 as finance charge. This is ripping off consumers. Where can I get my voice heard? I called the company and they said they cannot reverse the charge. I tried to talk to a supervisor and they will not return my call. This is outrageous.

My Washington Mutual MasterCard is now JP Morgan Chase. I opened my new bill that is due for payment on May 5, only to find out that it had a past due amount for April. I checked all my bills from February to now and never received a bill from JP Morgan Chase. They are telling me one was mailed to me, but I do not have one. Since I called them this past Saturday, they have called my house 3 times and today called my place of employment. I feel they are harassing me. They wanted me to make a payment today over the phone and they would waive the $39 late charge. But they never discussed the 30% interest they are now charging me. I was never late in making my payments to Washington Mutual. I did cancel my account and will continue to make payments until it is paid off. I was making $75 a month payments to Washington Mutual and now JP Morgan Chase wants $205 a month. I'm barely surviving each month.

I called them about the $39 late charge they posted on the account. They said my payment was due on the 17th of April. I explained to them that I did not receive a statement informing me of the due date, so we assumed it was due on the 23rd of April like the one was due on the 23rd of March. They told me my payment date could be any date and that it's not a fixed date. So I was told they were not going to do a one-time reversal to remove the $39 late fee, even though it was not my fault. Then they told me to call every month to find out when my payment date was or go online to find out or set up automatic withdrawal from my account every month.

I would like to know if this is correct. After reading about Chase, I went and looked at my promotional rate. What I found was that Chase is showing you your average daily balance but placing that under purchases at 23.99% and charging you a finance charge on it. When they were contacted, they state that this is a federal requirement. Also they have gradually gone up on the APR which makes the daily average balance go up which they are charging finance charges on. How do you charge finance charges on what is to be a piece of information, when you are already charging a finance charge on the promotional rate? I have not made any purchases on this account.

I had a WaMu credit card, never made a late payment and always paid more than the minimum. When Chase took over WaMu, they never sent me a statement for the next month. When I pulled up my account online, it said that my payment wasn't due for 3 more weeks. But I noticed that the interest had gone from 10.99% to 29.99% and there was a $39 late charge. I called Chase right away, and they said the payment was 10 days past due. I explained that I never received a statement and thought that since they just took over WaMu, there may have been a lag. Not only that, but they changed the due date on my payment.

I sent a payment in nine days prior to the date it was due. I did this due to new rules Chase set up as per online payments. I have never missed a payment to Chase, formerly Washington Mutual, formerly Providian, and they waited until after the due date, charging me with a late fee. Thus far, there is no response from a letter sent to them about their time frame. From now on, all payments will be sent certified mail.

I had a WaMu credit card balance at 1.9% for the life of the loan. They sent out pre-notification in December that the billing cycle would be shortened. I watched carefully in January and February to make sure my auto bill pay date was timely, no worries there. In March, the due date for the April cycle was the 13th, whereas it had been the 19th the previous month. I did not notice, and my payment went out on 3/16, too late. I lost my promo rate, got a late charge. Call center in Manila admitted that many, many people had been tripped up by this change, mainly promo rate customers. The fact is, they don't want our business - they only want customers paying top credit card interest rates. This makes me ill.

I called to see if the company could offer a better rate or a pay down plan for me as I lost my job and had a hard time paying off the card which is not what they wanted to do. If I can make the monthly payment, they would not offer me anything. The lady on the phone was condescending and rude as if I wasn't humiliated enough by having to call and ask for help. The interest they have accrued from my account is plenty. I was put on hold after asking for someone else and remained on hold for 4 minutes. I then called back to speak to another specialist and received the message, "Thank you for calling back..." So they knew my number and again I remained on hold for another 4+ minutes.

Chase goes in and buys a credit card from another company (First USA, FUSA bought it from Countrywide) which I was in good standing with and then writes me a letter that they are cancelling my account. The customer service associate that I spoke to explained that they won't furnish me with one of their credit cards unless I start paying off the balance of the old credit card to them. I did not ask for their credit card. I had a credit card that I was in good standing with and was paying well and they cancelled me.

My account was formally with WaMu before WaMu was bought by Chase Bank. The fraud department at WaMu was very cooperative. I received a new credit card from Chase during the process of the merger. I discovered without notice from Chase that my interest rate was increased. The Fraud Department which includes Melenie ** and Management decided to reverse my disputes which Wamu resolved.

Chase posted a payment one day late on March 10th that was mailed a week earlier. We were charged a late fee of $39.00, lost a 3.9% rate for the life of the loan and changed to 15.24%. Chase would not return the prior rate even though we mailed more than timely and have never been late in almost two years. We also mailed another check as normally scheduled for the April payment on March 20th. Chase did not post this check until April 2nd! Chase gave us 5.9% rate in exchange for the 3.9%, did not transfer the entire balance until after March 24th and charged us more interest on the balance. We requested a copy of the check that posted late and received only the front of the check, not the back! Chase has decided to make more money on the backs of the consumers. Do yourself a favor, do not get any type of Chase credit card. The company is an upscale loan shark!

I too have an account in good standing yet saw my minimum payment go from 2% to 5% as well as the $10 fee (which is now being discontinued). I am still making payments but the increased percentage is creating a real hardship. As my husband's business is greatly affected by the economy, I am responsible for the house payment. That is getting harder and harder to accomplish with the above named increase in credit card payments.

I spoke to a customer service rep on April 18, 2008 regarding the rate increase on my credit card. He said his name was Halid and I believe he was from India. I told him that I received my bill in the mail and the the rate had been increased to 13.24%. I told him that I had opted on previously and that I received a letter from Chase saying that the would give me the 7.99% interest rate until Jan. 1, 2011. He told me that as of March 2009, they were changing the rate because they weren't making money on the account. I have never been late and I pay them on time. I told him that I am unemployed and that I cannot pay the bill. I told him that we made an agreement and that they keep going back on the agreements that we make even though I have not been late.

I have no complaint about the card, but I do about your website. I have been trying for hours to enroll online and I want my security code to come by email. The help link says to click on other options, but there is no link called other options. It just keeps coming back to the telephone numbers. Help!

All the same issues as everyone: Changed payment due dates, interest raised without justification or notification, zero customer service. I have been working on this all day and these are the people I'm going to contact. Maybe they will be of help - Federal Trade Commission: Consumer Response Center - FCRA, Washington, DC 20580 1-877-382-4357, and state attorney's office within your state and your local congress representative. Our federal tax money paid their bailout and they should not be able to turn around and do what they are doing.

I always pay off my credit cards in full each month on time and have never been charged a late fee. I had a due date of 3/3/09. I made a payment on 2/24/09. The payment I made was $100 over the balance due. I made another payment on 3/9/09 paying off the balance that was displayed on my account online. The payment due date was 3/31/09 for the period of 2/12/09-3/11/09. I was charged a $39 late fee for making a payment 3 days before the closing date of my statement. I had paid 100% of the charges from 2/12/09-3/7/09 on 3/9/09. I called Chase credit services. The customer service agent was rude and stated that the late fee was appropriate and that I would not have incurred the late fee if I had made the payment two days later. My wife and I will be closing all of our accounts with Chase.

For many years, I had a Washington Mutual Visa card. Ever since Chase acquired WaMu, there are problems. First, I observed how without any prior notice to me the minimum payment was adjusted from $130 to $180 a month. Then, I saw my APR being changed from 11.99% to 19.99%, previously a default rate. This was without me missing a payment or going over limit, or doing anything unusual. In a way, I was punished for WaMu's bad business. And that is not right. Particularly in view that Chase bought WaMu with TARP, meaning, public money.

Chase is my only credit card. I have had a Chase credit card since early 2006. I had 0% interest for 12 months then 8.99% thereafter. I have always paid my bill early and most times for more than the minimum amount due. I receive online statements. A few weeks ago, I went online to pay and noticed my rate was 11.24%. What? I phoned customer service and stated I was sent a letter in January about the new terms, and I missed the window to keep the old rate. I told them I was 100% sure I didn't get it because if I did, I would have said no and to freeze my account, and went from there. I asked if there was anything they could do for me, they said, "No, you didn't respond in time."

Like many others, I was a Washington Mutual customer who unfortunately now has their account with Chase. I had a 0% in April until January 2010. I have always made my payments online using my checking account. For my March payment, Chase stated that it was rejected for account not found. They charged me a $39.00 fee and raised my interest rate to 29.9% and then charged a finance fee of $154.00. They did not make me aware of this until my statement. I contacted my Credit Union who had no record of them even sending the ACH withdrawal. Even if it was in incorrect account, it would have made an exception and the Credit Union would have to manually post the withdrawal.

I have received a late payment in the amount of $39.00 from Chase due to changing due dates without notification. My credit card is a Washington Mutual card, again like others, that now falls under Chase. I spoke to 3 customer service reps about this issue but it was a waste of my time. And all they said to me is if I am dissatisfied with their service, please close my account.

I had a credit card with WaMu and had automatic bill pay set up so that a payment was never late. Chase changed my due date just enough that it wasn't really noticeable and then charged me a late fee of $39 which they refuse to refund. I had never been late, was one day late this time and always paid more than my minimum payment. The first customer rep that I spoke with hung up on me when I repeatedly asked to talk to a supervisor and she refused to put my call through. The second person put me through to a supervisor and said that he couldn't do anything, even though I said I was going to close my account. The third person that I spoke with reprimanded me and said I should pay closer attention to my bills. He reprimanded me. Florante reprimanded me when I told him I read very similar complaints on the web about Chase and late fees.

I was a Washington Mutual customer for years, was never late in payments, and always paid more than the minimum. Several occasions I paid the credit card off. Now that Chase bought them, it has been a nightmare. I always paid my credit card online (I used my checking account at Capital One to pay this card) and have been doing this for years. On 2/27/09, I still received the statement under Washington Mutual and paid $500 way above the minimum payment required, and this was done on the Washington Mutual website with my stored bank account information.

We applied for refinancing with Chase Mortgage and paid $750 for the application fees. We were told that if the loan did not go through, we would get a $350 refund. After 3 months, the underwriter did not approve the loan and counteroffered with another type of loan. We refused to accept the counteroffer because we would have to pay a point and a higher interest rate. When we asked for the refund, they told us that since they counter-offered us with another loan, therefore the loan was not denied and they were not going to issue a refund. I believe this was a ripoff. We just lost time and $750.

I, like many others as I have read, received a late payment in the amount of $39 from Chase due to changing due dates without notification. My credit card is a Washington Mutual card, again like others, that now falls under Chase. I spoke to 3 Customer Service Reps about this issue but I might as well have been talking to a wall.

The account was paid in full online on March 28th. The due date was April 5th. The account was closed prior to this because of their ridiculous interest rate hikes on good customers who pay their bills on time and I had rejected the Terms and Conditions. I then received a statement in April for $51.24 in finance charges. I was told that even though I requested a pay in full amount on the website, the finance charges are not calculated until the statement is cut. Even though my account was paid in full, I was charged for the average monthly balance for a 0 balance closed account.

I paid my credit card bill in full on the due date and was charged a $39 late fee. I called customer service a few days later and explained to them that I did not know why I was being charged a late fee since I paid it in full on the due date. I was asked if I had paid after 4PM EST or sometime around that time frame. I told them more than likely it was after 4PM EST. The customer service explained that if it's after a certain time, then a late fee is applied. After explaining that I was a good customer and always pay on time, oftentimes in full, customer service reversed the late fee charge.

I've been a long-time customer with credit limit of $16,000.00. Each year on my anniversary date, I request my 1% cash back. Every time I use my credit card for purchases, I earn 1% cash back as stated on each monthly statement. January 2009, I requested it. They said they would send it. I didn't receive it by March. I called again and agent Brian said I would have to call back after April 2 and request it. I called back on 4/13/09 and the first agent told me they no longer give cash back and that I would have to redeem it for merchandise. I asked to speak to a supervisor. I got Mary who finally agreed to send a partial rebate with a Target gift card, not the full amount of the current total rebate amount on their statement dated 03/29/09. Therefore in my case, I've lost about $30.00 only after requesting a supervisor.

Chase had taken over WaMu. The past few months, they have been moving my pay due dates earlier and earlier to the point where they were due a few days before I get paid. Then comes the late fee. Then they bounced my interest rate up to 31.9%. Needless to say, I closed my account to payments only. Probably not the best thing to do, but I refuse to do business with them again. I refuse to live my life off credit. If I don't have the cash, then I don't need it.

Chase took all my credit. I will never use my Chase credit card again. I have been banking with Washington Mutual for over 11 years. I have never been late, pay over the minimum due each month and always thought highly of their service. I went on the website today and found that the $7000.00 of credit that I had was reduced to less than $200. Great reward for a great customer. (Not). I will no longer be using this card, even though one of their representatives said to me a month ago that I had nothing to fear. That was a lot of Hog Wash. It stinks even more now. I will pay a little more than what is due and the card has been destroyed. I hope they go under, but then again I am sure they will be bailed out while the average person pays the price for corporate America’s screw ups! In the end, we all know who benefits.

My credit card has always been through Washington Mutual which is now part of Chase. We've never been late on our card payments with WaMu and walk faithfully into our WaMu branch to make our payments each month. Apparently, Chase had an old address so we never even got a bill for March and we were getting ready to go to WaMu and make the monthly payment when I started getting calls from Chase telling me we were late. They told me that my card was now through them. I've never received any documentation telling me what their policies are for anything and apparently, Chase has a fluctuating payment date. And because February only had 28 days, I was now late and I was charged a $39 fee, which then put me over my limit. I got charged an additional fee due to this and my interest rate has gone from 16.99% to 26.99%. This is outrageous that they can do this and I'm trying to figure out who I can call to file a complaint.

I have always paid on time but once, it arrived to Chase two days late (or at least that is what they claimed), they increased my rate to almost 30% and I can't pay the minimum. I sent two letters asking to please consider helping me due to inability to pay. Nothing but a flyer was sent to me telling me if I paid the full amount due each month, in a year it could be decreased to 15%. Well, guess what, I just told them I couldn't pay the minimum amount. The interest per month is more than my previous whole note was! It's ridiculous that companies can gouge people like this.

I have had an account with Washington Mutual which just changed over to Chase for almost 2 years. I have never been late on my payments. My payments have always been due on the 3rd or 4th of the month. As always I paid my March payment which was due on March 4 online (I also always pay online). I went online on March 31 to pay my April bill and noticed there was a late fee. They charged me my monthly fee twice in one month, and therefore, I incurred a late fee. I tried to speak to someone in Customer Service, and they said that because February only has 28 days, my payment was due twice in one month. I then explained that in February 2008 which still has only 28 days, my March and April payment were due on the 4th of the month. I asked if they would remove the late fee because I see it as an error on their part because credit card payments are due every month not twice in one month and I have never been late. But they refused

I have been a customer of this bank for 15 years and my APR was prime. I have no lates on this or any accounts. I just got a notice that they are raising my rate from prime to prime plus 4.99%. If I don't go along wit it, I must close my account. I am closing my account, but this is injurious as it will negatively affect my FICO score. This was my oldest credit account. I was paying 3.25% and had just transferred higher interest balances to this account at their invitation!

I've had a Chase card for several years and have never been late. I always pay online and this month, the payment was due on Sunday. I paid on Monday. I called to ask if they would remove the late charge of $39. The CSR was very rude! She told me that they do not remove late charges anymore, not for anyone. I asked to speak with a supervisor and she said there was not anyone available. I told her I would close my account and she told me to go ahead and close it now. She was very cocky! Let me tell anyone who would consider Chase, do not! They do not appreciate good customers!

Until recently, I had an account with Washington Mutual Bank. I have always had a good experience with them, so when a credit card offer came in the mail, I decided to apply and use the WaMu card. Then, Chase Bank bought WaMu, and without warning me, Chase Bank increased my interest rate to 29.99% on my balance. When I called to ask why, they said it was because Chase Bank was the new card carrier and that this was a typical practice. Further, as far as the customer service representative could see, there was nothing he or I could do to change this at this time. I am very disappointed in this type of behavior by a bank. I have learned my lesson. But I wanted to let you know that if there is any formal complaint filed against these banks, put me on the list of people that would like to testify against these types of practices. Thank you.

First, I was a victim of my interest rate being raised for no good reason other than there was nothing legal stopping them from raising it. I had a FICO score near 700 at the time and they bumped me from a 12.9% fixed rate to a variable rate that floats around 16%. Never late on a payment, I always paid more than the minimum payment. Then they started jacking with the due date. It used to be the 18th of every month; now it changes every month. I had a payment due on April 12th. I almost forgot but got online and posted a payment before 11 pm Central time. They had already charged me the late fee of $39 and also charged me a $14.95 fee to make it post on April 12th. Chase is getting really bad and I know I'm not the only one having to deal with this crap. Please help if you can. I need vindication. We all do.

So here's what happened to me. I have a total of three Chase accounts; two of which, I have had for years. They are set up on auto pay for minimum since they are at 3.99% for life. The third, I got to transfer a balance off another card that had a higher rate. Well, I go in and set it up for auto pay. Apparently, I made a mistake and it did not set up correctly. I figured this out three days after the payment was due. I made a payment of $1,000; minimum was about $200 (plus the late fee which I did not contest). Then I went in and checked auto pay again and set it up again. A week later, I went in and checked again to make sure it is set up for autopay minimum due. I checked autopay status and all seems fine.

I have been a cardholder for 7+ years and have never once been late or paid any partial balance; I pay in full every month. In March of 2009, I was enrolled into paperless billing without my knowledge or consent. This caused me to be late on my payment since I didn't have the paper bill I was accustomed to receiving. I was charged a $39 late fee + interest! I called Chase to see if they would waive the fee. I asked them to look at my 100% perfect payment history as proof that I am never late. To me this seemed like an obvious case. They didn't do anything (not even thank me for being a customer).

I got the card. It told me that my credit limit was $3,000. I called to activate the card and asked the rep. He said if I wanted to use a convenience check, I should write it up to $2,700, which I did. I deposited in my bank business checking account. Then it bounced in 3 days after I wrote checks upon it. Why? Chase decided I was a bad risk, because I had $28K debt out in Lines of Credit and credit cards so they reduced my credit line down to $500 without telling me.

Same thing as John of Hampton, VA (04/10/09). A year or two ago, I closed my Chase credit card account because I declined the proposed interest rate increase. Due to closing my account, my interest rate was supposed to be locked in at 7.99%. I have continued to pay my account down and have never been late. My March 2009 statement identified a rate increase to 13.58% (on a closed account). I called Chase and I was told that a letter was sent (I never received it) informing me that the rate on my account was being raised because I have a balance and Chase can increase the rate whenever they want. If I don't like it, I can send a letter to Deb **, Office of the President, 2500 Westfield Dr., Elgin, IL 60124. She advised that no one in their office can help me, not even a manager.

I'm a WaMu credit card holder and I tried to use it to purchase a train ticket this morning (4/10/09). The transaction was denied. I immediately called Chase and a rep told me my account was closed! He said the notice was mailed in March. I never ever received such the notice! I requested an explanation and then he told me it was because of unsatisfactory relationship with WaMu. What a joke! WaMu increased my credit line by $1500 last year! How come you closed my account with $9,000 credit line and only $15.52 (made one purchase in March) balance due on 4/20/09?! I still have $8,984.48 available revolving credit line! When I asked, "What you mean by unsatisfactory relationship," the rep refused to disclose it. Of course I'm not Chase's favorite customer because I always make my payment in full and on time so that Chase can't charge any late fees, higher interest and whatever crap they want to charge!

When I tried to pay an online credit card payment before my due date, the online system was down and my account was listed as unavailable. Of course, they charged me a late fee. I called them to try to explain that the error had been on their end technically and asked they remove the late fee. They argued that there were other methods of paying the card, although they admitted all of these options had additional fees. I talked to several people all the way up to an account manager who refused to let us speak to anyone above him admitting he could take off the late fee but simply refused to do so. Horrible customer service! What is the point in Chase paying these people? They might as well have a recording telling you if you have a problem, deal with it yourself. Consequences: a late fee of $39.00 and the knowledge that extortion is legal for credit card companies.

Most recently, I got a statement from Chase Card Services for the period of 2/5/09 to 3/4/09, the due date was 3/29/09 and the balance was $65.96. I mailed my check and the statement for the following period showed the payment was received on March 13th, but my balance is now $1 of finance charge. Before this, Chase Cards slapped on finance charge another time even though payment had been done in time. And before that, Chase Cards sent me the new card but never the statements after that. When I called, they said the statements got returned to them and it was my responsibility to call and check how much I owed and paid in time in that case.

I've held a Chase MasterCard since 1996. During that time, I had one late payment; but besides that, I pay the entire balance every month without fault. So this past month, I sent my statement back with a check dated 3/12/09, the payment was due on the 23rd. I receive my April statement showing a $39.00 fee + finance charges for a late payment; huh? So I call the fine folks at Chase and say: Listen, I have no clue what route my check took to get from Ohio to Delaware but once I drop it in the box, it is no longer my responsibility. Go look at my track record nimrod!

In December 2005, I closed my Chase credit card account because I declined the proposed interest rate increase. Due to closing my account, my interest rate was frozen to 9.99%. I have continued to pay my account down and have never been late. My February 2009 statement identified a rate increase to 13.24% (on a closed account). I called Chase and I was told that a letter was sent January 2009, informing me that the rate on my account was being raised and since I did not respond in time, my rate was raised. I did not receive a letter, but even if I had, why would I think it applied to an account already closed? I have heard similar complaints from friends about Chase, and I am beginning to think that no one received a letter. That it is a ploy Chase is using to raise rates.

I was paying my bill online and noticed that I was 2 days late. I have never been late with my credit card before and thought I would contact Customer Service about reversing the $39 fee. I hadn't received a paper statement, and this is the card that was bought out by Chase. It used to be WaMu. The previous month, the due date for the card was the 12th. When it was Wamu, the due date had always been due on or around the 9th. So I thought that was the due date. It wasn't. It was the 7th. When I contacted CS, they said I had other ways of viewing my statement and that the due date fluctuated. They also said they couldn't reverse the charge. They didn't seem to believe me or care that I hadn't received a statement. I talked to a supervisor who said the same thing. The supervisor said that Chase never reversed charger which is not true. They did for my husband last year.

I've had a Chase credit card for a few years. It only had a credit limit of $700, something I got to build my credit. Worst mistake of my life! I lost my job right before Christmas, (thank you economy!) and missed two payments with Chase because of it. As soon as I started getting my unemployment coming in, I planned on doing what I could to pay them off. I explained that I had lost my job to several different reps of Chase. It didn't matter! They called me 20 times a day from morning until night.

Chase has raised my rates to an outrageous 27.99%. I was shocked and just noted it recently. I have been a Chase customer (when it was previous banks, i.e., Bank One, Guaranty, Premier) since the late '70s. When I finally spoke to a representative, they suggested that I go the hardship route since I have an ailing husband, a child with cerebral palsy, and a child recently diagnosed with diabetes. I told them that I was not about to do so. That all I wanted was for them to put my interest rate at a reasonable fee. They turned me over to a supervisor who told me she would only offer me 25.99%. Wow! What a gift. I will be discussing our alternatives with my husband and will be closing all accounts with them ASAP. It appears that the people who are supporting our economy are the ones who are getting screwed by the bank bailout! And it really doesn't appear that anyone gives a darn.

I do not seem to be able to get this card paid off, no charges/purchases made for 4 years. Payments were made but the balance stays the same. I have called but no help was available. What are the options when payments are made and the balance stays the same because of fees and finance charges? Bailout from government, but the company will budge with helping its customers. Because the company is unwilling to compromise on fees/finance charges, I’m looking at options of bankruptcy. I will try every option before doing it. There is not much out there with this economy.

I paid my WaMu account on 2/25, but my bill was due on 3/5 because they had a blackout for the conversion. I pay my bill on time. I paid $185.00 and my limit is now $36.00. I paid over the amount of $85.00. This is a disgrace and I need help.

I paid my WaMu account on 2/25, but my bill was due on 3/5 because they had a blackout for the conversion. I pay my bill on time. I paid $185.00, and my limit is now $36.00. I paid over the amount of $85.00. This is a disgrace, and I need help.

The same as many others, my WaMu and Previous Providian credit card interest rates went from 8%t to above 20%. I contacted customer service and was told it was due to the transition and credit history. My credit score is around 790 and I already had a Chase card with an interest rate of 6.9% fixed. When I inquired as to how the card I originally held with them was unaffected by my sudden credit and transition change, I received no answer. I have practically no debt and the two cards in question didn't have a balance on them in months, and the only card I have with a balance is $1,200.00 on the Chase card that wasn't raised.

On our Chase personal credit card, we accumulated 100,000+ points for free roundtrip tickets to Europe. This was in 2008. Now in 2009, Chase says they've killed that program. What recourse do we have? Thank you. If we have to pay out of pocket, we'll spend $1,300-$2,500 for the two of us to attend our son's UK graduation rather than not spending those dollars.

In late March of 2009, I was declined using my Chase Freedom Card. I called and asked why and was told we hadn't paid the last bill. I explained to the customer service agent (CSA), that we had not received a bill. He informed me that we were receiving it online now. I told him I did not choose to receive my bill online. He told me that it probably got changed inadvertently, as there was an annoying pop-up menu for choosing paperless on the web site, and I may have hit it by mistake (that sounds rather deceptive to me).

I have been a Chase credit card holder for a few months. I have always paid my bills on time for all other credit cards, as having good credit and improving my credit score are very important to me. However, I overlooked my Chase account and it was paid three days late. I think I must have thought it was set up for automatic withdrawals but apparently, it wasn't. I called Chase to see if they would remove the $39 late fee, and they would not. I spoke to several representatives and they all refused. I can understand not removing late fees, however to treat a new customer this way on their first time I think is poor customer service. If this had been the second time I was late or if they had removed one in the past, I would not have asked for it to be removed. However, since it was truly a one-time oversight, I thought they would be gracious and show good customer service. I was wrong. I am cancelling my account with them, checking and credit card; and I will never do business with them again in the future.

I had a credit card with WaMu, which was changed over to Chase in March. On April 6, I received a letter that my Feb. payment was late, so the late fee was tacked on to my debt. I called with evidence that my payment due Feb. 11 was credited on Feb. 9. So then they said it must have been my March payment that was late. In any case, they couldn't remove the late charge. When I first logged into Chase shortly after I was notified that my account had been transferred from WaMu to Chase in March, I immediately paid my bill, although the website said my first payment was not due until April 9. I have done everything in my power to make my payments on time, despite their transition. But they will not remove the late charge that they can't even figure out which month was late.

I had a credit card with WaMu. Then Chase took over and raised my interest to 29.99%. I have always paid on time and now they say that because of the economy, they have the right to raise my rate. This does not make sense. I said that because of the economy, they should lower it. They said they know I am a good payer but too bad.

I received a phone call. I was 10 days late; I never received a statement. They proceeded to tell me I went paperless, which I never did. I told them to cancel the card and I would pay off the account in full. I continued to get harassing phone calls, and no, what I sent, it was not good enough. I asked for a duplicate statement, which I never received. But they sent me a letter on March 30th about the payment. This card will be paid in full on April 7th.

I received my monthly balance from Chase aka WaMu aka Providian card on March 5. I've had this card a long time and have been paying off a large balance for 2 years. I made my final payment in the amount of the last statement balance and it was received March 7 (before the due date). I checked the balance on April 3 and saw that I had a balance of $31.88

I opened a Circuit City credit card account sometime in 2008. At this time, they were promoting a 24-month no interest on Samsung televisions. I made a purchase of about $2100 and made payments at my local store when I received my statement every month. I went to the store on 01/24/09 to make a payment and I was told they would not be accepting payments there anymore. I went to the Chase site online and made a payment for that month. After not receiving a statement for some time, I went back online to check what was going on and at that time, I saw what looked to be a payment due in March and I made that payment. Come April, I still had not received a statement from this company so I went back online again, only to see that my promotional rate had been cancelled and I was charged $201.50 in fees and interest for a payment that I missed in Feb. 09.

Like many others, I had a 2.99% cash advance for life on a credit card, no monthly fees, min payment was 2% of balance. Starting in Jan, they added a $10/month fee and increased the min payment to 5% of balance. I received a notice in the mail yesterday. They are retracting the $10/month fee and refunding those fees they have collected over the past few months. I guess they regret the $10/month move from the anger and threats of a lawsuit. Thanks to all who spoke out. They still are keeping with the 5% of balance min payment unfortunately which has hurt or disrupted many people's financial situation. For those in this situation, please note that you can request a change in the statement date once per 6 months. Typically, this allows you to skip a month. Be sure to talk to someone when you do this so they can confirm you are delaying the next bill instead of expediting it.

On 3/31, I called Chase to find out why they raised my monthly APR from 9.24% to 13.24%. I have been a good customer of Chase since 1992, and over the years, I have very rarely missed a payment. In fact, the majority of my payments are always higher than the minimum due. The first person I spoke to informed me that Chase informed me with the billing notice that unless I close out my account, they would increase my APR. First, I explained to her that I don't recall receiving such a notice. And even if I did, how would I close out my account balance (I wish)? Second, the term “close out” she referred to seemed deceptive in that the way she defined the offer to me was that they wanted to keep a relationship with me at 9.24% but only if I close out the account.

I tried to pay off my Circuit City Chase account last month on 3-11-09 in full and closed the account. The billing cycle begins on the 15th and I get a bill for $5.63 finance charges for a month that the account has been paid and closed. I spoke to a rep, Gil, and he failed to provide information to justify the charges. He refused to let me speak to a supervisor and failed to give me the proper phone number to complain. I think it is unfair to bill someone on a closed account even if the amount is $1. I am going to try to dispute the charge for the fact that it is unfair to do that to someone. I hope it doesn't result in any more finance charges on this closed account.

Earlier today, I posted a complaint that Chase credit card services had not recorded a payment I made online. I'd received confirmation from the before-takeover servicer, WAMU, that they would take the deduction on 3/2. Chase has been harassing me for days without any live person being available to hear my side. Today I called and surprisingly got through quickly. The CSR was polite. In going over my account and the bank letter I'd sent them, I realized that both Wachovia Bank and I had transposed 2/3 to 3/2. I then called Wachovia Bank and learned the 3/2 payment had not been taken despite WAMU's having said they were going to do so.

Update - After my post in Feb., I opened a case with the Comptroller. If you haven't heard, the Comptroller forced Chase to credit back the $10 fee they have been charging us! Be sure to check your statement for $30 credit for the monthly $10 charges since Jan. 09. The second part of my case - raising the minimum payment to 5% of my balance is still open. Since then, I've transferred out most of my Chase balance away and refinanced my mortgage away from them. Unfortunately my WaMu card was transferred, so I'm going to pay that back asap to be done with them - finally! Hurray to all you others who wrote to the Comptroller - it worked. But urge everyone who can to still pursue your issues with the Comptroller, and if possible take as much business away from these crooks.

My Washington Mutual credit card was unfortunately taken over by Chase in March 2009. I paid my WaMu payment that was due 3/9 online in late February and I have a letter from my bank and a record on my statement that it was deducted from my checking account more than a week before the due date. I was shocked to receive my first bill from Chase: 1) stating I had missed a payment and charging me for two months plus a $39 "late fee"; 2) moving my payment date up from the 11th to the 6th, no doubt hoping to get a second "late" fee; and 3) raising my interest rate slightly.

My credit was with Washington Mutual at 26.99% APR. Since Chase took over, my APR went to 31.99% without notice.

Like so many other WaMu customers, I am now at the mercy of Chase Bank who has so far penalized my credit cards for being 4 days late during their so-called Transition process. I had flawless banking and credit card payments with WaMu for several years, and now, I get hit with my first $39 late fees. Chase refuses to reverse. I pleaded with them to "not start off our customer/bank relationship with this kind of mentality." They didn't care! I explained my payment dates with WaMu fell directly in the middle of the transition process. They said they tried to contact me via email but my email was unreachable. Funny, I checked it online. When I finally was able to log into my accounts, voila! My email was there, on their website! You mean to tell me that they can make a mistake and charge my account and I can't do anything? I'm ticked! Game on, Chase!

My Chase credit card account was switched to online billing when I updated my profile. I did not receive a bill for two months, and did not realize I had a past due bill. I never received a statement or an email notification from Chase. I only became aware of the problem when I could not use my credit card. When I went to pay my bill online, I noticed that I was charged a $39 late fee, and a $10.21 finance charge. In the past, I have always paid my bills on time, and always paid them in full. I called Chase to explain that I never received a bill, and felt that they should waive the fees due to these circumstances. They refused to remove the charges, and said it was my responsibility to check for bills every month. I am hoping you can assist me in getting these charges removed from my bill. Thank you.

On March 27, 2009, I received a past due notice from Chase Cardmember Services area. I contacted Chase's customer service office and spoke with Megan. I attempted to review my account with her and explained that I was not past due but had paid my account in advance since 11/2008, and therefore should not be charged any late fees and wish to be credited back. According to my records and Chase, I have paid the following: $115 on Nov 5 for November payment, $115 on Nov. 28 for December payment, $115 on 12/26 for January payment, $140 on 1/27 for February payment, $115 on 2/20 for March payment, and $115 on 3/24 for April payment.

Chase Bank took over another bank in which I had a credit card account. I received my first statement this month and my interest rate is 29.99%, which along with the other fees caused my dollar amount to be $43 in interest. I really have a problem with any bank who accepts taxpayers dollars to recover from incompetent business decisions that they make. There are no logical explanations as to why these banks and companies have gone under except for their own selfish greed. There are reasons that consumers have been late paying their credit card and other bills (mostly because of lost jobs or lack of work).

My wife and I purchased a new computer for our son from Circuit City, using the no payment for six months promotion. We advised the salesman that we needed to update our address since we are a military family and had recently moved from Florida to Virginia. The salesman took our address and entered it in their computer while we stood there. Six months later, my wife mentioned that we had not received a statement. I called the number on the back of the Circuit City card on January 5, 2009 and spoke to a Chase Bank associate. The associate confirmed our suspicion that they did not have our new address. He took our new address, apologized for the confusion and informed me that there was a late few plus interest charges, but he would waive it and he told me my payoff. I thanked him for his understanding and told him I would log onto my USAA account online right away to setup the payment.

I hate Chase credit cards. They make my blood boil. I had good credit, and that is the only reason I am sending them payments now. Out of the blue, they decided to raise my interest rate from 16% to 27%. When I called, the rep said that they had done a credit report, and seeing that I had a lot of credit and probably more than half had a high balance, he said that I might be likely to not pay my bill to them. Therefore, they raised my interest rate so that it is difficult to pay my bill to them. That was when I made a payment for $30 and interest on that is $29.50. Once in a while, the interest was actually more.

The Customer Service is very bad as I was not able to pay online because their website was coming up and they charge me late fee. Initially, person told me to call us back after paying off the bill. I did so, the lady called herself supervisor mentioning that, "Sorry we cannot waive the charge because" blah, blah... After arguing with her, I cancelled my account as I do not want to deal with such ** companies. It sucks. Run away if Chase offers you credit card.