Chase Credit Cards Reviews

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Updated May 14, 2026

About Chase Credit Cards

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Chase (NMLS #399798), the U.S. consumer and commercial banking business of JPMorgan Chase & Co., offers home purchase and refinancing loans, in addition to its other financial services. The company provides home loans in every state and Washington, D.C., and its services are available online, through its mobile app, by phone and in person at more than 5,000 branches.

Chase Credit Cards Reviews

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Page 27 Reviews 4840 - 5040

GaryLas Vegas, NV

Reviewed Jan. 15, 2009

I am a married 57 yr old who, as many, have been adversely effected by the economic downturn.

Part of a letter I wrote to Chase: We have just been advised that our avg. monthly payment for this account has been increased from approx. $90.00 per month to $217.00 per month plus an additional $10.00 per month maintenance fee to prompt us to pay the balance sooner. If you will notice, with the minimum due of ~$90.00 per month, we still paid $150.00 every month to pay the balance off as soon as possible! Response from Chase: When making a decision like this we look at the account, this may include usage on the account, payment patterns, balances and the APRs available on the account. These patterns associated with an account help us determine what changes to make. And There is no opt out option. Below is a recap of the options: Option 1: Keep Current APR (4.82%) * $10 Monthly Fee * 5% Minimum Payment (up from 2%) Option 2: Alternate Offer * Move to 7.99% APR till 01/01/2011 * No Minimum Pay Change(2%) * No Maintenance Charge($10) Option 3: Close Account * Pay in full with in 30 days * Closing account only, will not prevent monthly charges. Please let us know which option you've selected. Our min due was $90.00, we sent $150.00 every pmt. never late. They now want min. $217.00 and included a MONTHLY maint. fee of $10.00. I repeat, we were never late and gave Chase absolutely no reason to assess us a maint. fee of any kind or change the pmt. due amount. This is clear abuse in my opinion. It is my suspicion that Chase is willing to force as many accounts as possible to go into default and/or closure as a means to justify (more) money from the Bailout. I would like to see Washington conduct some sort of investigation into this possible abuse of federal funds and banking practices.

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DanielHillsborough, NJ

Reviewed Jan. 15, 2009

i transfered balances under 2.9% and 3.9% for life of the balance and chase changed the terms..more than doubling my payment from 170. to 398. mthly. this creates hardship and they know they trap you because they force you into new credit terms and get double the finance charge because they know most people can't afford to pay the new terms. I will never use a credit card again.

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ElliceSaint Marys, KS

Reviewed Jan. 15, 2009

Dear Sirs,

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LaurieDallas, TX

Reviewed Jan. 14, 2009

Chase offered me a 3.99% rate for the life of the loan on my credit card. I have met with all the terms & conditions of their original offer. I recently received my January statement which showed a $10 monthly service fee (15.24%)and my minimum payment was raised to 5% instead of 2%. The 3.99% rate remained on my balance. When I called Chase to inquire about the changes, they said I was taking too long to pay off my balance. I asked if this was going to happen on my other Chase card she said not unless my interest rate was under 5%. Obviously the too long rule does not apply if your charged a higher interest rate.) I accepted her offer to change the terms of my card to 7.99% until September 2011; no monthly service fee; minimum payment reduced back down to 2%.

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MichaelRoanoke, TX

Reviewed Jan. 14, 2009

I received my latest Chase credit card bill and there is a $10 transaction fee on the purchases balance and my minimum payment more than doubled. I did a 2.99% balance tranfer several years ago and have made all payments on time. I called Chase customer service and was told that I received a notice in the mail regarding this change. I told the lady who took my call that I had not agreed to any changes in terms. She then told me that if I wanted to change to a 7.99% fixed rate I would not have the $10 monthly transaction fee. This would actually make my interest rate higher than it is with the $10 monthly transaction fee. I do not recall receiving this notice but even if I did this is a predatory business practice that is no better than modern day loan sharking. I only have $165 in purchases where I'm already being charged 27.24% interest. When you add in the $10 monthly service charge on top of this their charging a little over 100% APR. The $10 service charge on purchases is a very unscrupulous way for Chase to increase the interest rate on the balance transfer they agreed to. The line item for Promotional Summary still shows 2.99% and I'm sure Chase attorneys will argue that they have not violated any terms. I've lived up to my end of the agreement but apparently in the fine print Chase can change the terms unilaterally. I'm going to call the JP Morgan Chase headquarters as suggested by another poster to escalate my complaint. I want an answer from someone other than a worker in an overseas call center. If they don't change my terms back I'll also be notifying my Congressman and the FTC.

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JohnRamseur, NC

Reviewed Jan. 14, 2009

I have been a card holder for 15 years, with no late charges or penalties ever implied. I went into an agreement with the 3.99% for life of the balance, Same thing now with the $ 10.00 monthly service charge and increase of minimum payment from 2% to 5%. I did not receive any notification prior to this change of terms and agreement. I also am outraged over Chase not keeping their end of the agreement, as it was presented to me originally. No annual fees and fixed 3.99% for life of the loan. Doesn't this fall under extortion and false representation? They are forcing us to pay higher payments and monthly fees unless we allow them to black mail us into a new agreement at 7.99% APR for 2 years? I am still receiving similiar so called promotional offers. Like I can ever trust their agreement(s) in the future.

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VictorLaguna Niguel, CA

Reviewed Jan. 14, 2009

Chase Card Services, a division of JPMorgan Chase & Co. (a Delaware company) is engaging in reprehensible capricious business practices regarding aggressive changes in term and conditions of my credit card account.

For many years (over five), Ive been using their zero-percent credit card with no annual fee, with a balance that was transferred from another credit card, per the terms of their promotional offer. The payments have always been on time, and there were no other purchase transactions. On November of 2008, they mailed notification of major changes to the terms of the card. First, they are going to introduce a $10 per month (thats twelve times per yearwho every heard of such a thing!) FINANCE CHARGEe (their words for itits still just a FEE). AND they are unilaterally increasing the minimum payment on the account from 2% to 5%more than double! The only offer at the time to opt out? is an immediate payment-in-full of the complete $4000 balance. There have been no significant changes to my credit standing for yearsthe only other reason Im aware of that credit card companies use as an excuse to change the terms of their credit card to terms more favorable to them, without anything of benefit to the customer. With other credit cards, changes in terms always offered the user to decline the terms by closing the account and continuing paying off the account in the manner done prior to closing. When I protested online, the only other solution that Chase offered was to transfer the balance to an interest-charging account with lower minimum payment requirements.

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MarkNew York, NY

Reviewed Jan. 14, 2009

I had a existing balance of approximately $1,800 with a 3.99% Promotional APR for the life of the loan with Chase. I have always paid the minimum monthly payments on time. When making my payment this month, I noticed a $10 Service Charge - Finance Charge was debited to my account. Instead of the agreed upon interest rate of 3.99%, this now brought my effective APR to 10.85%. Also my minimum monthly payment was increased from 2% to 5% of the balance. I called up the Chase Customer Service, and asked for an explanation. I was given 2 options to eliminate the $10 fee. Either close the account and pay it off, or agree to have the promotional rate changed from 3.99% to 7.99% and resume the 2% of balance minimum monthly payments. I reluctanctly chose to close the account and paid it off in full, and explained they were losing a loyal customer. This was unplanned for event and will deplete the little savings I have. Also I'm out $10 which I never agreed to. At least the customer service rep told me to have a nice day.

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JustineCharlotte, NC

Reviewed Jan. 14, 2009

Like other responders, my 3 & 4% Chase credit cards have had a doubling in monthly minimum payments, along with a $10 Service Charge. When contacted, the Rep's reply was (honest, no joke!) we are only helping you pay your account off earlier when I asked to speak to a supervisor, I was told the manager was an attorney, and only worked 8-5pm - is that suppose to scare me? So, I have faxed the US House Financial Service Committee at 202-225-6952 voicing my outrage at Chase's attempts to blackmail me into accepting a higher interest rate in order to maintain a reasonable minimum monthly payment plus, of course, a service charge. I hope everyone will contact the Committee and voice their outrage

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JdAtlanta, GA

Reviewed Jan. 14, 2009

TherI have been a Chase cardmember holder for 7 years now. I have always paid my payments ahead of time and always. Never received any notice and all sudden my statement of Jan. 01, 2009 the minimum payment was increased from 2% to 5% ($650.00) and there is a charge of $10.00 a month on my account.

I called them and gave me one other option to accept a 7.99% interest rate guaranteed for 3 years after which the rate would be the prevailing interest rate. If I accept the higher rate they will not charge the service/finance charge or raise the minimum payment. Here is our thank you so much for the baillout. I did contact Federal Trade Commission where i placed my complain http://www.ftc.gov/ftc/contact.shtm And also they urge me to call The Office of the Comptroller of the Currency which i did also http://www.occ.treas.gov/aboutocc.htm 8006136743 As many people call hopefully will get their attention to solve this problem

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SandieManawa, WI

Reviewed Jan. 14, 2009

As all of the other complaints, we used a promotional check at 3.99% for the life of the loan. Now as other Chase Credit Card customers have received, our recent statement took our payment from 2% to 5% and a $10 Service Finance* Finance Charge*. After speaking with Chase we too were offered the 7.99%.

After taking a closer look at our statement this $10 Service fee is being listed under Purchases with 7.99% interest rate. So each and every month we have this balance.... we would be charged $10 Fee along with accumulated interest...(we all know how this works...the lower balance gets paid off first so Chase will be earning Mega dollars in interest on top of these service fees. However after speaking with the Executive Office of Chase Bank and a Customer Service Supervisor.....We will continue to be charged $10 Service Fee as long as this Chase Credit Card is Open... EVEN WITH A ZERO BALANCE!!! We are paying this complete balance off...but I am now informed by Chase that they will continue to charge me $10 Service Fee each and every month I have this credit card closed OR Here's the shaft!!....I agree to the 7.99% interest rate and no more promotional rates!!! This is blackmail. Chase is forcing us to close this account in order to avoid the $10 a month fee!! How does this affect our credit score??? No one can really tell me what affect closing this account will have on our credit scores which are in the excellent range??? Chase has lost a customer in us forever!! Which is sad they have been my personal bank for over 20 years!! Another way sub-prime lending has hurt those of use who pay our debts!!

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B.San Jose, CA

Reviewed Jan. 14, 2009

I have credit card a/c with chase, setup with a auto monthly payment of $184.00 with fixed for life int. rate 3.99%.

Suddenly they changed payment ot $453.00 and added a monthly service charge of $10. I called them, they said thay have changed payments from 2% to 5% and have added monthly service charge. They said they can put back 2% monthly payment, if I pay them 7.99% interest rate from currently 3.99%.

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CindyBellflower, CA

Reviewed Jan. 14, 2009

I have been a long time customer of Chase Bank and was shocked when I received my last ststement. I never received any notice by mail, but did receive a prerecorded message that the minimum monthly payment would be changing in February. There was no mention of a monthly maintenance fee of $10 per month. When I called Chase's customer service and asked about the fee on my card I was told that if I did not accept this new monthly fee on my card and wanted to cancel because I did not agree with the new terms I would have to pay my balance in full within 30 days as there was no opt out choice. I have requested that they send me wriiten documentation of these changes. I tried to find online the terms of agreement for my credit card but have not been unable to find it.

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BrianPlaya Del Rey, CA

Reviewed Jan. 14, 2009

ARBITRARY, PREDATORY NEW MONTHLY FEE

I am shocked to learn that Chase Bank has levied a unilateral SERVICE CHARGE FINANCE CHARGE of $10 per month just for having a credit card account. And it accrues interest at the full rate while I have an existing balance. They also raised the minimum monthly payment from 2% to 5%. In the past several years I accepted three offers from Chase for fixed-rate balance transfers (at 2.99%, 4.99%, and 6.99%). I have steadily been paying these down, have made all payments on time, have not charged new things I can't pay for, and was planning to start using the card this spring for new charges once I paid the balance off. I have more than fulfilled my side of the contract. I called and spoke to a very rude Customer Service rep who said, basically, that they're not making ENOUGH money off me and they don't want my business. The only alternative she offered was for me to pay off the account in full and close it, which I don't have the money to do right now. When I do pay it all off, closing the account would greatly lower my FICO score (which is over 800) so in effect I'll have to pay $120/year just to maintain my excellent credit score. It's a Catch-22. I feel I am being penalized for using my credit responsibly. It's capricious and unfair. I thought the recent credit-card reforms were to protect consumers from predatory fees. I have not missed or been late with payments, I am not in default, I did not take out a toxic mortgage, and Chase has made considerable interest off of me. They should be holding onto me. JP Morgan Chase received $25 billion of taxpayer dollars in the recent bailout, supposedly to cover their debt from toxic customers. Then why are they treating their responsible customers so badly? Thank you.

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JamesHuntersville, NC

Reviewed Jan. 14, 2009

Breach of Contract

Implied Warranty of Fitness for a Particular Purpose - I would have never cashed the check had I known they were going to subject me to these terms.

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AndreaNew York, NY

Reviewed Jan. 14, 2009

I guess I'm a deadbeat, at least that's the way Chase treats me. I owed about $4,500 to them on an Amazon Visa. Always paid on time, always paid significantly more than the minimum. One month, last December, a payment was a few days late (first time), because I was in Europe on business, and when I went to pay it, they had jacked my interest rate up to 29.99 percent. I called, they said there was nothing they could do about it. My original interest rate was 7 percent. I also have a car loan with them that I pay religiously, and another credit card with them that I pay in full, on time, every month.

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CraigMeridian, MS

Reviewed Jan. 14, 2009

Chase raised my minnium payment from 380 month to 950 month plus a 10 dollar sevice charge.I have never been late on payment always paid more than minium.I was told I could continue to keep payment low if they could raise my rate to 7.99% from 3.9% this is a very unfair bussiness practice and if I could I would pull my credit from them but in these time it would be hard to do I am going to report them to the FTC because they are treating there customers very unfair this is nothing more than bait an switch.

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RussellVirginia Beach, VA

Reviewed Jan. 14, 2009

We receive a notice in the mail for a 2.99% Promotional rate for the life of the balance. As long as we paid the minimum payment of 2% of the balance on time, the rate would not change. On my last statement, they raised the minimum payment to 5% and imposed a transaction fee of $10 a month. Apparently I was told this in a notice in November.

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AdamHorsham, PA

Reviewed Jan. 14, 2009

I just received a notice that effective March 1, 2009 my APR will increase to Prime rate plus 8.99%. As of my current statement on 1/2/2009, my APR is 8.24%. When I called to seek resolution, I was informed that my only 2 options are to accept the higher rate or to close the account, which, of course, would negatively affect my credit rating. I have NEVER missed or been late with a payment.

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ShereeRichmond, CA

Reviewed Jan. 14, 2009

I have a Chase credit card that has a low fixed rate of 4.99% until paid off. Today, I found out that Chase is now charging me an additional $10.00 monthly service fee and is raising my minimum due from 2% to 5%.

This is a change in terms of a agreement for a rate that has a added fee of $10.00 to carry the card that I did not sign up for when the orignal purchase was made. I paid the 3% NO LIMIT fee for my $20,000 balance to lower my debt at a long term FIXED (as described in the offer) rate. After meeting ALL their conditions, and making timely payments as required, Chase has now more then DOUBLED their minimum payments and now charges a $10 monthly fee. The only way to avoid this was to take a 3% higher rate that they offered (7.9%), If I don't make this large increased minimum payment, I will default on the loan terms and they will increase my rate significantly..... thus making the 3% I originally paid worthless.

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JessicaLakeland, FL

Reviewed Jan. 13, 2009

On my most recent statement for January of 09, I was shocked to see that my minimum payment had changed from the regular 2% to 5%, making my payment an unaffordable $970.00. I also noticed that Chase had applied a $10.00 monthly service charge. I called them up and asked for an explanation, having always upheld my end of the agreement, making payments on time and more times than not paying more than the minimum payment. I was basically told that the economic situation prompted this change and reading all the comments, I am obviously not alone. The option I was given was to change the remainder of my balance to 7.99% and therefore be able to still make 2% payments, which as a full time student are more feasible for me right now. This is an incredibly nasty business tactic to basically force the customer into a higher interest rate, as most people cannot afford to pay 5%. They stated they were losing money on all the low interest credit card balances they have, yet they have made thousands of dollards just from this one account alone over the years. If I were to transfer my balance to another card, they would make zero and probably send me another low interest offer in the mail.

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JohnEnnis, TX

Reviewed Jan. 13, 2009

I have a card with a fixed rate of 3.99% until it is paid off. I have had this for 3 years and have made all payments on time for at least the minimum amount. Today, 1/13/09, I received my statement and Chase had charged me a $10 finance charge towards purchases, I have had none, and changed my minimum payment from 2% to 5%. This changed my payment from $219 to $539. I talked to Chase and they said this was due to economic situations. I asked to speak to a supervisor and they transferred me to his voice mail where I left a message. I have not been called back yet.

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HelenMerritt Island, FL

Reviewed Jan. 13, 2009

Your company did not credit my payment in full until the day AFTER (JUNE 5th)it was due,June 4, 2008. I was charged a late fee of $39.00, which you refused to credit, even though I have paid in full, on time, since I got the card.

I have sent many letters, most of which have not been answered. You have tacked on finance charges and the current balance is $45.23. I have not used, and do not intend to use the card until the statement reflects a zero balance. I charge between $4000 and $9000 PER MONTH. Look at all those fees from merchants you have been losing. Does it make sense to you to lose hundreds of dollars over $ 45.. ????????

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ThomasCool, CA

Reviewed Jan. 13, 2009

I have two credit card accounts with Chase. My Janury billing increased my minimum payments from 2%to 5% on each account. Virtually all balances are on promotion ofers that vary from 3.99% to 4.99%. I was told if I do not pay the 5% minimun I will be in default and my interest rate will go to 29%, or I can agree to a new rate of 7.99% (good until Jan 2009) and keep the 2% minimun monthly payment. In addition they are now charging a $10.00 per month maintenance fee. When questioned why the arbitrary changes they answered it was because of the current credit pressures. Please advise what recouse I might have.

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DavidUnion, OH

Reviewed Jan. 13, 2009

Initially, I had a promotional 3.99% interest rate until my loan was paid off. Then Chase credit card started charging me a $10.00 monthly fee for having an account with them. I don't think this is fair to the consumer. Eventually, I will be paying more than the 3.99% interest rate that they originally promised me.

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PattiCockeysville, MD

Reviewed Jan. 13, 2009

I, too, received my latest Chase Credit Card bill and was puzzled by a new $10.00 transaction fee. I have not made new purchases with this card since using a 3.99% APR promotional check for a balance transfer about two years ago. This APR was for the life of the loan. I have paid more than the minimum payment each month on time. With the new transaction fee the APR (as printed by Chase on my statement) is 10.04%, a far cry from the 3.99% promised until the loan was paid off.

At no time have I received notice that the terms of my credit card have changed. As a matter of fact, I received my new card in the mail yesterday, and it did not list any monthly transaction fee. I also received (dated December 30, 2008) another set of promotional checks with an APR of 2.99%. These checks do state that the promotional fee is only through October, 2009, unlike the promotion which I used which was good for the life of the loan. After speaking with someone in customer service, it became obvious that accounts like mine were targeted for reevaluation because we were not making monthly purchases which would be paid last and carry a high interest rate. I was told that not all accounts were assessed the new transaction fee, nor was the minimum monthly payment of all accounts changed from 2% to 5% of the balance. I asked to speak to a supervisor and was transferred to someone who seemed to be just another customer service representative who told me my options, none of which is acceptable. (They were agreeing to a new 7.99% interest rate on the balance of the loan with removal of the monthly $10.00 fee, or paying off the account.) Today I called JPMorgan Chase Executive Headquarters (212 270-6000) and asked for the office of the CEO, Jamie Dimes. I spoke to someone in that office who then transferred me to a helpful woman in the Chicago office who handles escalated complaints. She, in turn will be contacting her counterpart in the Chase Executive Credit Card Services in Elgin, IL. I should be receiving a call within 48 hours about my complaint. I suggested that the people looking into this complaint refer to this consumer affairs website and see how unhappy many people are with Chase Card Services.

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RonaldRocky Mount, NC

Reviewed Jan. 13, 2009

My problem is like the other Chase postings for 01/12 and 01/13. My wife and I have an account in good standing, with a fixed (for life) interest rate on a cash advance (3.99 %), and now Chase wants to add a $10 monthly service charge (has to been considered additional interest and change to the effective rate of the loan) and increase the minimum monthly payment from 2% to 5%. The only option for keeping the minimum 2% payment is be blackmailed into agreeing to and increase in the rate to 7.99%. I have met all the agreed upon terms every month, and cannot understand how this can possibly be legal.

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JimAbington, PA

Reviewed Jan. 13, 2009

I transferred approximately $20,000 over the last several years to my Chase credit card at their 3.99 or 4.99 percent annual rate for the life of the balance. I had to pay a 3% transfer fee for the majority of these balance transfers. Earlier this week I saw that Chase has changed the terms of my agreement with them requiring that I pay them back 5% of the balance monthly, which would raise the current monthly payment from $277 to $675. The representative on the phone said I could either pay the 5% monthly,along with a $10 monthly service fee, or have the rate raised to 7.99% until January of 2011 at which point the rate would return to the prime rate at that time. I had to opt for the 7.99% for the next two years since I can't afford to pay the $675/mo. I have had no late payments on this account and it has been paid automatically for the last several years. It seems completely illegal to raise my rate arbitrarily and charge me $10 per month. The customer service rep told me Chase had to do all of this or they could be forced into bankruptcy.

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BillPhoenix, AZ

Reviewed Jan. 13, 2009

Chase just raised their minimum monthly payments from 2% to 5% and plus they tacked on a $10/month service charge for balances that are carried over. There must be a way to regulate these companies from changing their terms just like that. Next month they could come out with a notice to say that they are raising my locked in interest rate of 3.99% to 17%. When I called the company they tell me that they did send out notice in October to notify us of the change. I guess I did not read the notice or did not recieve it since this is the first I'm hearing about it . I've always paid the minimum, is not more, every month on time. The representative told me that they have billions of unsecured loans out there and this is how Chase decided to protect themselves.

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DouglasDummerston, VA

Reviewed Jan. 13, 2009

I have had a promotional rate at Chase for many years of 3.99%. They suddenly came up with a fee of $10/mo. These appears to me to a breach of the orginal offer of 3.99%. I have copied the string of complaints from this website and sent it to my congressman asking that this company be excluded from further bailout money. This action is directly contradictory to what the country needs right now, and certainly contradictory to what I need right now.

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LindaWarwick, RI

Reviewed Jan. 13, 2009

I transferred high balances to Chase based on their offer of 3.99% for the life of the balance. My minimum payment was $156.00 now it is $385.00 with the $10.00 fee that others have mentioned. I told the customer service rep that this was unfair. They offered me the low percentage rate and payment to pay off higher interest credit cards. I took their offer and now they are doing this. This is unfair. I have another Chase card in which they did not change the rate or minimum payment. I never use these cards to charge anymore merchandise. I was only interested in paying down my debt. I have excellent credit and have never been late on anything. I always pay at least the minimum payment and most times more. How can they do this? This is not fair to any of us and something must be done!

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ThaelynFernley, NV

Reviewed Jan. 13, 2009

I contacted Chase when my Jan.09 statement arrived and my mininum payment went to 900.00 because they said my payment was late I mailed the payment 10 days before it was due, I have never had an issue now they are saying it was late they charged me a late fee of 39.00 and my new rate is now 29.99 percent when it spoke with the person they told me there was nothing they could do about the rate but they would credit me the late fee.

I did close the account and told they I do not know how I am going to make the payment at this rate, I was told that was my issue. Today 1/12 I received the chase card statement for my husbands account he also had the samething happen they are saying the payment was late by two days so they inposed the 39.00 late fee and his rate went from 9.99 percent to 29.99 percent making his mininum payment right at 1000.00 per month who can pay that? He was also told that was his issue he had to deal with it.

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DavidEdinburg, TX

Reviewed Jan. 13, 2009

We received our Chase Credit Card Statement today and noticed a $10 Finance Charge in the Category of Purchases (7.99%) APR. We have two promotional balances --one almost paid off at 0% and the larger one at 3.99% for life of the balance. The latter one was acquired almost 2 years ago and the 0% one in in Sept 2008. Of course, payments made since September are always applied to the 0% balance, first. We had targeted payoff of entire balance on the account by Feb 2010. We had been paying about 5 times the minimum since September 2008 to meet the target payoff date.

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LamarBlackshear, GA

Reviewed Jan. 13, 2009

I was contacted 1/9/09 by Chase to advise me that my minimum payment was going up to 5% of the monthly balance. I have always lived up to my end of the agreement by paying the minimum plus a little extra every month. On top of that, they imposed a $10/month charge for carrying a balance. I was originally offered a low promotional rate and they told me how much my payments would be per month. Now that has all changed.

I called and asked if I could get a copy of my agreement. I was told that I couldn't because I was sent one in November '08. After much persistance I was told it would be in the mail. Is there any options available to combat such unethical and deceitful behavior exhibited by Chase credit cards?

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SkilroyHaverhill, MA

Reviewed Jan. 12, 2009

Why is it legal for Chase to add a $10 monthly fee to their credit card statement if all the original terms were followed from the customer side. Can you say class action suit? These guys take their bail out and still stick it to the customers after following the rules and now it appears its ok for them to do it. I personally would like legal advice on this latest scam.

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JuanChesapeake, VA

Reviewed Jan. 12, 2009

In 2007 I received some promotional checks from my CHASE credit card, terms 4.82% fixed APR, until the balance is paid in full. I decided to use two of those checks to start my own business. I use check #57821 for $ 5,000.00 on March 3, 2007, and check #57819 for $20,500.00 on March 12, 2007.I paid a total of $198.00 in transactions fees. Total amount borrowed $25,698.00. I have always made my payments on time, and I even pay a little bit more that the minimum amount required every month. To my surprise, in the last statement received from Chase Opening/Closing Date 12/06/08-01/05/2009, I noticed that my monthly payment was increased from 2% to 5% fact that more than doubles my monthly minimum payment, and, also, that from now on I have to pay a monthly service fee of $10.00. I was never notified by any means of these changes to the terms of my account.

Please, see the difference: Previous statement 11/06/2008-12/05/2008 Balance: $17,199.58 Minimum payment due: $343.00 Service charges: $0.00 Minimum payment I sent on 11/06/2008: $450.00 Last statement 12/06/2008-01/05/2009 Balance: $16,829.38 Minimum payment due: $841.00 Service charges: $10.00 Minimum payment I sent on 01/10/2009: $450.0 Last January 10, 2009 I contacted the credit card customer service to ask them about this changes, and they told me I should had received a notification letter, but I never did. They gave me the option to change to a new plan at 7.9% for life and with 2% of the balance as a minimum payment. I believe that this whole matter is nothing but a strategy that Chase is using to force me and other consumers, to go into a higher interest rate and not to comply with any government request. I consider this arbitrary and abusive. Please, I am looking forward for your advice and intervention, that can protect me from this unfair action from Chase. I want to know what will be my options in order to keep making a reasonable payment and continue under fair and honest credit card terms.

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WhitneyChristiansburg, VA

Reviewed Jan. 12, 2009

I have been a Member For 7 years , I signed up for FIXED Rate interest ,for the life of the LOAN At 4.99% FIXED FOR Life , Now They are charging me $10.00 a month Service fee To keep My Rate at 4.99% fixed .or I can let them raise the rate to 7.99% and not pay the fee . This is unfare , and needs to be STOPPED and the cusomers that are getting ripped off need to get it changed . I called the FEDERAL TRADE COMMISSION and Made a Report , They are going to investagate , but the more people that they have make conplants The more they will investage , so please TAKE 5 min and call The Federal Trade Commission 1-877-382-4357 The more people we can get to call to report CHASE The better our out come will be , Lets Show them People do not like to get ripped off , Please call Thanks

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DavidJacksonville, FL

Reviewed Jan. 12, 2009

I HAVE A 3.99% LOAN WITH CHASE CREDIT CARD UNTIL THE LOAN IS PAID OFF.TODAY I RECEIVED NOTICE IN MY STATEMENT THAT THEY ARE GOING TO CHARGE ME A NEW MONTHLY MINIMUM OF 5% OF THE LOAN PLUS A $10.00 SERVICE CHARGE.WAS MY ORIGINAL CONTRACT A VALID AGREEMENT?I

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JamesColumbus, GA

Reviewed Jan. 12, 2009

Used card several years back for my son..two promotional checks,not at same time. Both a fixed rate until paid,one 3.99% and the other 4.99%. Have paid every payment ahead of time and never under minimum , most times more than minimum.No other charges ever made period.

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PatriciaVirginia Beach, VA

Reviewed Jan. 12, 2009

I am lodging a complaint about CHASES recent $10 service fee?? only applied to my low interest account and for the fun of it.Just to make them more money. IThe fee is put up under the 9.99 interest fee when my loan is at 4.99% so will it come off every month? It is sitting at the higher interest rate and they deduct payments from the lowest rate first. So they are charging us more IF IT STARTS ACCUMULATING INTEREST AS WELL. They also increase our payments from 2% to 5% a month. This is a difference for us of $400 dollars a month more. I remember years ago there was service fees and eventually they were dropped. Now they are back? Is this all up and above board? one has to wonder?

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SteveKnoxville, IA

Reviewed Jan. 11, 2009

Same story as everyone else. Fixed 2.99% rate and then a notice that they are adding $10 per month which IS a finance chage according to their notice, and increasing the minimum payment from 2-5%. I called and offered to close the account at the current terms but was told that was not possible without incresing the interest rate.

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JamesVanceburg, KY

Reviewed Jan. 11, 2009

For years I have used credit cards as a source for low interest loans. I would transfer a balance to a card that had a fixed rate for the life of the transfer. I would even ask what my payment would be before I committed. I have never missed or been late on a payment. I also have not used the card for any purchases. Now Chase has increased the payment from 2% to 5% of the outstanding balance and added a $10 monthly service fee. I'm sunk!

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WilliamMilwaukee, WI

Reviewed Jan. 11, 2009

I have been taken to the cleaners by Chase, like all the other consumers who have written to complain. My minimum payment is more than doubling if I want my current interest rates to remain.

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ArchTacoma, WA

Reviewed Jan. 11, 2009

Chase credit card company was giving zero percent interst for the first two years of opening an account. After only three months when they got in financial trouble they decided to start screwing over the little guys by charging them up to 29.99% interest, i.e. us. I don't mean just our family. What don't these morons understand about this neat thing called the internet where we as a country research. Between the people that will file for default and the others that will just pay it off in full I hope Chase will crumble and the ceo has to understand what it is like to work for a living

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RickSavoy, IL

Reviewed Jan. 11, 2009

I too have a chase credit card and took advantage of their 3.99% interest rate offer, good until the balance was paid. And I too just received my monthly statement showing a new $10 monthly service fee and my minimum payment raised from 2% of the balance to now 5% of the balance. And I too have an excellent credit score and have never missed or even been late on my credit card payments to Chase.

What I am trying to figure out is what the criteria is that Chase is using to target certain accounts. I say certain accounts, because both my wife and my business partner have Chase credit card accounts with the same fixed 3.99% offers. Neither of them have had the $10 service fee added to their accounts or have had their minimum payment raised to 5% of the balance. What is even more confusing is that both my wife and my business partner are carrying higher balances than me and both have lower credit scores than me. So what gives here? Of course, I did try getting this information out of the representative that I spoke to about this issue and they claim that they do not know why some accounts were targeted and some not. They offered to take my name and number and have an account manager? call me back within 72 hours, but of course, no one has ever called me back.

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TimothyCorona, CA

Reviewed Jan. 11, 2009

I have been a loyal Chase cardmember for over 10 yrs with no late payments. Just like the others with posts on this forum my min monthy payment is increasing from 2% to 5%, basically from $196 to $482. This takes my tight budget right over the edge.My pay has been cut nearly 30% but I still have enough just to pay the bills, lame increases and fees tacked on are a breach in our agreement and may unfortunately pull me into default.

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SteveBolingbrook, IL

Reviewed Jan. 11, 2009

I have a ballance that is at 3.9% for the life of the loan. after no late payments ever I am being billed a $10 fee monthly. I will call congress monday and suggest that this type of income be taxed at 150% to send a message to chase about ripping off consumers.

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MariePalo Alto, CA

Reviewed Jan. 11, 2009

I have recently encountered an issue with one of my credit cards that seems not only unusual, but potentially illegal. I have an outstanding balance on one of my credit cards that is at a fixed 3.99% APR. This was from a special offer over a year ago and for over a year I have been paying the minimum balance due along with the 3.99% finance charge. Since I used this special offer, I have not used my credit card at all and have only maintained the balance from the special offer. I have made all my payments on time and with at least the minimum amount due.

On this month's bill, I noticed an extra Service/Finance Charge of $10. I called the credit card company to inquire. I was informed that due to the economic crisis, ALL banks are implenting the following to insure complete payments from customers: 1. An increase in the minimum amount due each month (which I'm not contesting)

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RichardHumble, TX

Reviewed Jan. 11, 2009

Have life of term balance transfers of 3.99 % with Chase Credit card. They are are raising the minium monthly payment from 2 % of the balance to 5 % More than doubling monthly payment. All while tax payer just bailed them out with tax payers money. They are crooks.

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SusanPoulsbo, WA

Reviewed Jan. 11, 2009

I have a credit card with Chase bank that had a long standing balance on it that I transferred to several years ago to take advantage of a low interest rate with no fees offer for life. Chase decided to more than double my monthly payment and impose a monthly fee. I have never been late on a single payment. Isn't this a violation of my original contract? Seems like a class action lawsuit is in order to me.

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PaulTroutdale, OR

Reviewed Jan. 10, 2009

I'd just like to add my voice to all those who have complained about Chase raising the minimum payment on their low interest promotional account balances. I likewise saw my minimum increased from 2% to 5%. The $10.00 monthly "service fee" also effectively raises my interest rate by 66%, not to mention that the $10.00 is also being charged interest at 14.99%! When I called customer service to find out what was going on, I was told notice had been sent in November, but I have no record of that. I was not offered the lower minimum in exchange for a higher interest rate, not that I would have accepted it anyway. I plan to pay off the balance as soon as possible, and close the account. I'm also considering severing my banking relationship with Washington Mutual, which Chase recently acquired. This strikes me as rather short-sighted thinking on their part, since they are going to lose customers in the long run, not to mention those who are likely to default due to the burden of the higher minimums in light of mounting job losses.

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VictoriaAtlanta, GA

Reviewed Jan. 10, 2009

I wish to also complain about Chase Visa increase in the rate of minimum payment charge. I am paying off a large amount of credit card debt, part of which was with Chase. I had got interest rates for life of 3.99 and 4.99. I have been a card owner for 20 years, never made a late payment, and have good credit history (aside from this debt for graduate school). I was paying down my credit cards and the balance was going down. I received an automated phone message telling me that my minimum payment had gone up. I certainly don't remember being notified of this last year. I called a supervisor and was told that my monthly payment would go from about $230 to $over 500. I simply cannot pay this and my rent and other expenses. I was told either I pay or accept the 2 percent minimum with my "for life" rates going up to 7.99 percent.

I thought credit cards wanted to help consumer pay off their debt at this difficult time -- not force delinquency.

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MikeSan Diego, CA

Reviewed Jan. 10, 2009

On 1-9-09 recieved a prerecorded call from Chase on my answereing machine when I got home. Telling to make sure that the funds for my next payment are in my account due to an increase in payment. Sure enough I go online where I check my account that I have paid on time for 7 years only to find that they have changed my min. payment from 423.00 to an unexceptable 1058.00. I think there must be a mistake so I call the lender, talk to a supervisor only to be strong armed into either agreeing to pay a 7.99 apr from my 3.99 life of the loan prior agreement with them or pay the impossible min. higher payment. I asked well your already breaking our prior agreement whats to stop your bank from changeing again he said I quote YOU DONT. I then explained I just lost my job last week and had every intention on repaying my loan, but now that there backing me into a corner then I just might stop paying all togeather and that Im sure many will fallow and that my friend, means someday in the near future when they need to down size because people have decided to do the only thing they could NOT PAY it back Its you who will be out of a job.I WILL NEVER DO BUSINESS WITH CHASE AGAIN. I also incourage everyone to spread the word.This company needs to be put out of business, There only contributing to an already desperate situation in this country. SHAME on you Chase credit are we not in this togeather????

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KeithRochester, NY

Reviewed Jan. 10, 2009

Today I received a statement in the mail detailing what I owed, what was due, etc. I was very surprised and annoyed to learn that a $39.00 late fee and almost $17.00 in finance charges were included. I was surprised because I paid the last bill I received (as I do all of my bills - always on time and in full, without exception).

I immediately phoned the customer service department and was told they were not going to do anything about it. I escalated the call to a supervisor who echoed that position. I was told the following: "The statements we send are a courtesy; it is your responsibility to know how much you owe and when" and "We are not the post office; we can't control whether you receive your statement or not" I asked if the position they were taking is really more important to them than over 20 years of having me as a customer. Her response? "We understand that occasionally a customer will feel the need to end a relationship upon hearing news of this sort" (or something like that). I was stunned. I plan to visit my local branch tomorrow and see if sense prevails in person. If not, I plan to cancel my credit cards, close my three accounts, encourage my family to do the same, and at every opportunity, share my horrendous experience with anybody I can. JPMC may get $55.00 from me, but if I can help it, they will lose much, much more than that in future business. I might even understand this stubborn position if they had actually lost something tangible, like a piece of merchandise or something, but to not budge on an arbitrarily determined 'late fee' and some finance charge seems ludicrous. I have fantastic bill-paying history with not only Chase, but everybody; you would think that such things would be considered before taking the stand they did.

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JoanRichmond, VA

Reviewed Jan. 10, 2009

I read the comments on Chase Bank tonight and feel that there has to be something that can be done about this practice. I received a phone call tonight reminding me that I would have a payment increase beginning with my January statement. Circumstances are the same as others on this site. I was offered 3.99 % for the life of a transfer and I took it. I asked questions when I did so to find out if there were any catches to this offer. I specifically asked this because I had taken a similar offer from a different bank several years previously and they sold the account and my interest was raised to 20% even though I had excellent credit. The account rep with Chase said if I wanted to I could use this account for balance transfers only and take advantage of the good rates I was being offered. He also talked me into taking credit guard and some other service. I told him I did not want to do that because I was aware that any payments made to the account would first go to the lower rates and I would subsequently be paying a lot more for these services through the higher interest rate. He told me the charges for these services were fees and the money was taken from your payment each month. Guess what? This never happened and the balance of these "fees" is now over $800 because they were subject to the higher interest rates and never got paid monthly as I was told. I called and cancelled the so-called service I was purchasing and felt like a fool that I didn't check my statement closer. My payment will go from $126 a month to $310 per month and I will have a $10 fee added each month in addition to finance charges. They tell me that my APR doesn't change..the 3.99%. Let's see about that one. I was told my conversation was being recorded when they made the original offer "for security purposes". I think someone should listen to that recording if it exists because it will show that Chase Bank is luring customers into offers and then backing out on them in hard times. They were the ones who suggested I use the card for balance transfer offers only. I'm just going to pay it off so they won't get one extra dime from me. I haven't called them yet but I think it is nothing short of bribery in telling customers they will lower the payment back to 2% if you take a higher interest rate. I'm also willing to join a class action law suit against them. If there are any good lawyers reading this one, give me a call.

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StephanieLos Angeles, CA

Reviewed Jan. 10, 2009

I have a Chase credit card that has a low fixed rate of 2.99% until paid off. Today, I found out that Chase is now charging me an additional $10.00 monthly service fee and is raising my minimum due from 2% to 5%.

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ScottBradenton, FL

Reviewed Jan. 10, 2009

I opened up my chase c.c. bill and much to my surprise, my minumum payment went from 266.00 a month to 666.00 a month with no explination. my last payment was recorded as electronic check??? and i had a 10.00 finance charge included also ( i thought this was an error on their part). After letting the blood get back in my head, i called chase asap. I was talking with some young lady who couldn't speak very good english, I promply told here to get me someone who could help me. I was then introduced to ryan, who told me i was mailed a letter in november explaining my minimum payment would change from 2% to 5%. I never receive such a letter, if i had i explained to ryan, i would have called in november and expressed my horror then. I have two chase cards, one is a 3.99% for life of loan and the other that i am complaining about is a 4.99% fixed for life of loan. the 4.99 went from 2% to 5% payment. However, if i would, they will send me a letter to keep my payment where it is until 2011 at which time it will go to 5%, tough s---.So what ryan would not say which is the real truth of the matter is chase is in trouble, we who pay our payments on time and live within our means have to suffer for their bad debts. Further more millions of americans being rearended by chase like myself will take the 2% untill 2011, and they are hoping we will find some other banking instution to transfer the balance to because this is the end result they are looking for. Shame on Chase and their dirty tacktics to rearend honest hardworking people who had nothing to do with their financial woes. My other concern is i haven't seen my other card yet!!!!!!!!!!!!!!!!! Rearended in Bradenton. Scott Barker.

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LeroyTallahassee, FL

Reviewed Jan. 9, 2009

Change in terms of a agreement for a rate that has a added fee of $10.00 to carry the card that I did not sign up for when the orignal purchase was made.

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MaryReading, PA

Reviewed Jan. 9, 2009

I have a balance transfer with Chase credit card at 2.99% for the life of the loan, payments of 2% of the balance due each month. I have always paid on time. Chase decided that they were changing my payment to 5% of the balance and charging me a $10.00 per month fee to have the acct. I called them to ask them why my payment per month doubled to $334.00. They stated that chase is trying to help cardmembers pay off their debt by requiring you to pay double per month. I told them that was not the agreement we had. They said well if you don't like it you can pay off the balance today or you can change your interest rate to 7.99% and then we will allow you to pay only 2% of your balance per month and we will take off the $10.00 per month fee but only untill December of 2011 and if the balance is not paid off by then then you will owe 5% of the blalance per month and the $10.00 fee will be out back on the acct. That is $120.00 per year they are charging in fees to havea credit card. I asked them how they made the decision to change my acct and they said it is based on the fact that you do not use the account on regular basis to charge new merchandise. And since you only carry a balance trasnfer we decided to charge you more per month. So I asked them if they were aware that thy are only oing this becasue they are trying to make money off of people who are 72 years old, on social security and the economy is bad. hey said we know we are doing this to make money and that is just the way it is. We can do anything we want to. I am appalled that our country has turned to this. We give our money to bail out credit card companies and insurances agencies and they have parties, go on spa retreats, and take golden bonuses totaling over 10 million dollars and they treat us the consumers like dirt.

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MichaelSan Diego, CA

Reviewed Jan. 9, 2009

I recently got a lifetime balance transfer offer for 4.9% from Chase banks.

I paid the 3% NO LIMIT fee for my $20,000 balance to lower my debt at a long term FIXED (as described in the offer) rate. After meeting ALL their conditions, and making timely payments as required, chase has now more then DOUBLED their minimum payments and now charges a $10 monthly fee. The only way to avoid this was to take a 3% higher rate that they offered (7.9%), If I don't make this large increased minimum payment, I will default on the loan terms and they will increase my rate significantly..... thus making the 3% I paid a few months ago worthless. This is unfair, and possibly illegal. Who can I file a complaint about this fraudulent activity to?

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CindyMidlothian, VA

Reviewed Jan. 9, 2009

I have had my Chase Credit Card since 1997. My payments have always been on time. I transeferred the balances on my other credit card to Chase with a low rate of 4.99% until the balance was paid in full in 1997. I went to pay on my bill today 1/8/09 since a payment is due by 2/2/09. When I opened my account on-line it said my minimum due was $718.00. I couldn't believe it! I called thinking this was a mistake. The customer service representative was rude and inept and told me that due to economic times, Chase has changed Transfer Balance offers and I now have two options. Keep my 4.99% interest, but my minimum payment will 4.99% of the entire balance and my account will be closed, or go up to 7.99% only good for the next 2 years and then the percentage changes to whatever the standard apr rate is. (Yes, I spoke with a supervisor, who treated my like I was ignorant, and unworthy of talking to.

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KarenStony Brook, NY

Reviewed Jan. 9, 2009

This seems like an unfair credit card practice. The balance on this card had a fixed rate of 3.99% for life of balance. Chase has now implemented a new Account Service Charge of $10.00 per month and increased my minimum payment by double. I have never been late on a payment to them. I have excellent payment history and FICO score 774. The bank told me that the only way for them to waive the new monthly fee would be if I agree to a new finance charge of 7.99%! They forgot to tell me that I could just pay off the balance also. The account has been opened since 2003. Unfortunately, I can not pay off this large balance immediately (like many others I'm sure). What recourse do I have?

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DonnaMorgantown, WV

Reviewed Jan. 9, 2009

I check my statement online and saw a service fee plus minimum payment increased from 2% to 5% of balance. I have paid on time for 20 years on the low rate transfer. I also have 3 other chase cards with the same changes. No way I can make the increased. It is like they are punishing me for their strew ups! I can't make the payment and that bothers me because i always could.

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LarryGlendale, AZ

Reviewed Jan. 9, 2009

I received a notice from Chase in December of 2008 stating they were raising my monthly payment on my special offer balances from 2% per month to 5% per month because they need to have the special offer balances paid off more quickly. The original agreement was 2% per month until the balance at the special rate, 4.99%, was paid in full.

I called the service center and was told if I used the opt out mentioned in the notice the interest rate would revert to the contract rate, which they have raised 2 times in the last 2 years, dispite the fact I have a 770+ credit rating, from 9.99% to 24.99%. I know congress is holding hearings regarding unfair policies by credit card companies but that may not ever turn into any relief for responsible credit card users.

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NigelLafayette, CA

Reviewed Jan. 9, 2009

I've had a 3.99% Introductory transfer balance card for 2 years. This month they jacked up the repayment rate to 5% of balance and slapped on a $10 monthly fee. They are only three options. 1) Pay in full. 2) Ride out the balance or 3) move to a higher APR card with 2% repayment rate. I have a mortgage and a 2nd with these guys!

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K.Boynton Beach, FL

Reviewed Jan. 9, 2009

A $10 fee is being assessed monthly on my account with no advanced notice. I have never been late and have no financial difficulties. I don't understand how they can agree to a specific rate and then change it later. Isn't this bait and switch?

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VindedahlLong Beach, CA

Reviewed Jan. 9, 2009

We have had a 2.99% interest rate for the life of the loan since August 2004 We have never missed a payment and have made many increased payments. January 2009 statement included a $10 finance charge and the minimum payment went from $127. or 2% of the balance due to $313.00 or 5% of the balance due.

In order to avoid this increased payment we must pay our balance off or opt out at an interest rate of 7.99%. They said they sent a notice in October that was included in an envelope with balance transfer checks which we never use and always destroy knowing that if we used them our interest rate would be increased much higher than our original 2.99% that we agreed to. This was a deceptive to include it with other information.

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KjTulsa, OK

Reviewed Jan. 9, 2009

Approximately 18 months ago I accepted an offer I received within my Chase Bank credit card statement to transfer balances. I had two option 0%APR interest for 6 months or 3.99% APR for the life of the balance. I chose the 3.99% APR options and paid the initial transfer of 3%. I transferred $4,500 and made the decision not to conduct new charges on the card, knowing they will apply the new purchases with e higher rate and not apply any payments to them until the lower amount is paid first, so they can earn more interest. I also set the account up on automatic monthly payments significantly higher than the minimum amount due. Not one time in the last 2 years was I late. I have paid down the account to $1,300.00 January 2009 I received my bill and noticed a $10.00 monthly service charge. I called to inquiry why. The customer service rep said that banks can not make any money at 3.99 and I should understand that. I said so for the privilege of paying my account on time with a 3.99% rate it will cost me $120.00 in a year. That equates to over a 15% APR not the 3.99% APR original agreement was. The customer service rep said yes. Chase does not want good customer they feed off of individuals that pay one day late or make charges to the account so they can charge the higher interest rate and apply all payments first to the lower payments. They may have a staff full of attorneys that say they reserve the right to change the terms at any time and send notices that are so complex that only another attorney can read them. Forget about the consumer that tries to do the right thing and pay on time. They have no intention to keep a good customer. I will not even consider Chase for any future credit opportunities such as refinance of my mortgage or new vehicle purchase and will be transferring all my checking accounts to a local financial institution. This action is clearly Deceptive and misleading. I guess they do not care about their Reputation Risk. Do not believe their offers of until the balance if paid off promotions, they only apply to people that pay their accounts late or actively charge on the accounts. Where is Credit Card reform.

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FelipeLos Angeles, CA

Reviewed Jan. 8, 2009

In October 2007 my credit card was used to reserve (only to reserve) equipment for a charity organization. When I received my credit card statement, not only had my card been charged, but there were excessive charges for equipement not used, over $1500 worth. I tried to deal with the company directly and immediately notified Chase Visa. The customer service agent recommended I dispute the charges and sent me paperwork to challenge the charges. Once the matter was put into their hands I assumed they would act on it.

I didn't hear from Chase for almost four months. Finally in March 2008, I called and was told that they could not find overcharges and I would have to pay. I spoke with yet another customer service representative who told me to reissue the dispute paperwork again. In late March, I received the paperwork and resubmitted it on April 1. I didn't hear from Chase until late November, when I received a letter stating that they had concluded their "investigation" because they were UNABLE TO REACH me for further information to help my case. Mind you, I pay my balance in full every month and yet they couldn't contact me? My updated contact information was on the paperwork. Furthermore, my account information had been updated in late March in order to get the paperwork for the second submission. In early December I spoke with yet another customer service agent, Fernando Mendoza at the Disputes Department. After telling him of our situation he checked our file and said that they had tried to contact us by phone once during that six-month period. No message was ever left. Our conversation became more frustrating when he informed me that I waited too long to submit the dispute paperwork. I had exceeded the 60 day period to file. According to his records, I had not filed my paperwork until April 2008. What was baffling to me was that, although he said he had my account on the computer in front of him, he had no record of my initial filing from November 2007. I explained to him that I had copies of all my paperwork and sent it to him. This makes it three times that I've had to submit paperwork. In early January we received a letter stating that they spoke with a person at United Rentals and SHE said there were no errors, therefore we would have to pay the full amount on our next statement or begin accruing interest charges. Since then we've made two attempts to contact Mr. Mendoza, on January 3 and again on January 6, both times we were told that he could not be found and we asked that he contact us. We are still waiting. Needless to say, my frustration in dealing with Chase is monumental. At no point could I get a straight answer from any customer service agent. Each one gave us a different answer that was deemed wrong by the next agent. Furthermore, the fact that Chase sat on our dispute was a waste of time for my wife and me. We could have taken further steps to resolve this issue ourselves rather than waiting for Chase to get its act together.

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TerriSt. Paul, MN

Reviewed Jan. 8, 2009

I have been a Chase customer in good standing since 1999. I previously used a convenience check at a fixed 2.99% for life balance and since 2005 have the minimum monthly payment auto deducted from my bank account. On my January 2009 statement Chase added a mysterious $10 monthly maintenance charge and increased the minimum payment from 2% to 5%. I called Chase and waited 45 minutes for service. The customer service representative claimed that Chase sent 2 letters of notice last fall. I received none. She also said that Chase could include additional fees per the original agreement. There is nothing on the original check agreement that supports their claim for the fixed balance agreement. The representative said I could refinance the 2.99% fixed rate into a 7.99% rate to remove the "maintenance" charge. I asked to talk to a supervisor, and she said there was no one I could talk to. The decision came from the corporate level in response to the current economic environment.

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DavidSan Antonio, TX

Reviewed Jan. 8, 2009

I received my Chase Credit card statement yesterday. At the bottom of the notice they politely informed me the due date had been changed. It advanced about 6 days, ironically to the day my payment is "sent" electronically. I also noticed the minimum amount due went from 2% to 5%. In addition a $10 "service charge" was applied to the balance under a 22% interest rate.

After 45 minutes on hold, the representative said the previous months notice disclosed these future changes. She did tell about a "special" right now where I could change my interest from 2.99% fixed for life to 7.99% until 1/2011. This new agreement would also lower the minimum due to 2% instead of 5% and waive the $10 service charge. I pointed out the original balance of 10,000 is now down to 2000 paid religiously on time. And our FICO scores are both over 775 with no credit blemishes on the file. The representative indicated this was a â€œbusiness decisionâ€? on the part of Chase. Iâ€™m paying it off and will send my shredded card to them in the envelope and terminate my 12 year relationship with Chase.. I know this rubbish is going to catch some people off guard, which is the intent of Chase. Sorry Ba#@%$s. Iâ€™m paying it off and will send my shredded card to them in the envelope.

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RossGreenville, CA

Reviewed Jan. 8, 2009

Chase allowed my card to be overdrawn and then started overdue and then been unable to make payments on time charged late fees. This happened to me some time back when I was working so I paid the other card off. Now retired and on fixed income am not allowed the pleasure to do so. I'm one month late and was threatened with being turned in for collection. This is a credit card company out of control. If they work within common science, they could make money and not cause panic in card users. I am already in a frustrated mood.

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ShellyHuntington, IN

Reviewed Jan. 8, 2009

When I received my bill, I paid off the balance in full. Just yesterday, I received another bill for finance charges!!! They claim they calculate based on your daily balance...so it was calculated until they received my payment...again made in full... So they care basically charging me finance charges on a ZERO balance. I will never ever deal with CHASE ever again. They have horrible customer service and they are very, very rude.

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CynthiaSpringfield, IL

Reviewed Jan. 8, 2009

We received a credit card statement reflecting an increase in minimum payment from $350/month to $836/month yesterday. I was shocked and will have difficulty paying this, so I called the company because I thought it was an error. I was told that the terms of the card had changed from 2% minimum to 5% minimum plus a $10 monthly service charge because the card carried a low 4.99% APR until the balance is paid in full. I explained that there was no way I could come up with an extra $500/month for this. They told me that I could remain at 2% minimum monthly payment if I agreed to increase the promotional rate from 4.99% to 7.99% until 2011, and at some point in 2011 the rate would revert to the rate on purchases (which the rate reflected on my statement for purchases is only 6.99% right now, so they must be planning to increase it).

Anyway, I felt it was unfair and would result in financial hardship for me to increase my monthly minimum by nearly $500. Because of the difficult economic times and a huge loss on my house that I am incurring, I can barely make ends meet. This is happening at the worst possible time financially. I also feel that they shouldn't be able to change the promotional rate of 4.99% which was marketed as "until the balance is paid in full", until it is truly paid in full. It shouldn't increase before then unless one of the original conditions applies, such as exceeding the limit, late payments, etc....none of which have occurred in my case. Oddly enough I have 3 other Chase accounts that I also have very low promotional APRS on, and I called to check that this similar action didn't occur on those accounts and it hasn't. Since the only account this change was made to is one that my husband is primary on, and given that he is 13 years older than me which puts him a little over 60, I wondered if they could have made this change due to his age. Once I pay Chase off I will never do business with them again, as I feel this was very wrong.

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CalvinBrookings, SD

Reviewed Jan. 8, 2009

I've been a Chase card holder for at least 10 years. I have never had a late payment and have generally maintained a balance with one of their offers during this length of time. So they've been making money off of me for quite a few years. I have a 793 credit score, so it's obvious I maintain my credit in all areas. This past year, I've finally paid off one long standing balance transfer at a low rate and I've been paying an extra $50 a month on another transfer that was at 3.99% through Chase. I went to set up online payment today and noticed that my minimum amount had jumped from approx $135 to almost $375. While I could afford that extra payment, it would put a hardship on me. As noted by others, I was also incurring an additional $10 maintenance fee.

I spoke with a rep and was told that my 3.99% rate could be put at 7.99% and the $10 fee would be waived and my minimum payment would again be 2%, rather than 5% (what a deal, might as well hold a gun to my head). At this time, I really had no other choice, but will be transferring the remaining balance as soon as I find another FAIR offer from another source. I was finally seeing the light at the end of the tunnel, but it just got a little darker again. I find this practice of theirs a total sham, especially to card members who are in good standing. I told the customer rep that I guess they can pretty much do whatever they want and she had no response.

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SusanCohasset, MA

Reviewed Jan. 8, 2009

I carry a balance on card with a fixed rate for life of balance. This month, they hit me with a $10 per month 'service charge' and upped my minimum payment by more than double. I have never been late on a payment to them. I have been paying on this for over 2 years - every month.

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TerriSaint Marys, OH

Reviewed Jan. 7, 2009

We have 2 Chase credit cards that I did balance transfers on in 2006 for a fixed interest of 3.99%. On the one account, I went online last night to pay. I saw that we owed $199.00 instead of $81.00 and a $10.00 service fee charge. I thought for sure something was wrong, so I called. She said there was a letter sent out in November or December of 2008 explaining the new minimum payments. I didn't see any letter so they are sending me one. This is **. We have always paid on time and for a long time paid extra. Now times are bad and we have been only paying minimum payment. Now they are going to more than double the payment.

This should not be allowed. They are making us pay for all of the accounts that went bad. We, taxpayers, are helping out all of these banks and this is how we are thanked. I sent an email to them with my feelings of which I'm sure do not matter to them. There are people far worse off than us and I don't see how people are going to be able to pay these Chase bills now. They will have more accounts go bad than before. Please do something about this. I have never had a credit card do such a thing. You base your budget on these payments and then they shoot you down. Thanks for listening!!!

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KatieLyons, CO

Reviewed Jan. 7, 2009

I pay my bills in full on time. It appears that after the crash of the market, some credit card (bank) companies have changed the way they do business. I paid my bill on time and even called the day of due date to make sure the payment arrived on time. I was assured the payment was in the system and I was told that it was fine. I asked because I would make a full payment over the phone to pay $15 vs. $39 late fee. Next month statement comes and there is a late fee and finance charge on the bill. The payment showed it was a day late (mind you, a 20-day cycle).

So, now two months later, I am being charged a finance charge based on that single payment late by a day. Even though I have paid off the entire balance, I am being charged on the average daily balance from two months ago. They reversed the late fee and part of the finance charge knowing that they could continue to charge me finance charges. I believe it was in their best interest not to post my check until it was late and to misinform me about the check so they could legally steal money from me. I have called to close the account and they could not tell me what I owed and that I would have to wait until the statement was printed. I wanted to pay everything so they couldn't continue to charge interest. I have stopped using the card since the last statement on Dec. 14, 2008.

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EvelynIdabel, OK

Reviewed Jan. 7, 2009

I received my statement with 01-16-2009 due date in which there was a late fee of $39.00 added. I sent the check on the date of the 8th and mailed the next day. They said they received it on the 19th and due date was the 17th. Either the mail was late or they didn't process it until the 19th, whichever. They said it was 2 days late. I checked the history of some of my older statements and it only took about 5 days to receive it. I questioned the rep about the late fee not being my fault and he said that it wasn't their fault if the mail was late. I could use email to send my payment. I explained to him that I didn't pay on the computer. I explain that I was never late and had been paying in full every month and I was a good customer. That did that not mean anything to them. He said that he would waive the late fee.

Then I spoke to a supervisor (I didn't get his name) and asked about the finance charge of $17.57 which if I didn't have to pay the late fee, why would there be a finance charge. He said, "I'm meeting you half way but I can't waive the finance charge also." But without a late fee, there shouldn't be a finance charge. Also the supervisor was rude. I said that I would cancel my card before I would pay it and be treated this way. The next day, I sent the full balance of my statement to Chase paying the late and finance charge and the card should be canceled. It makes me not even want a card. I guess I also lost all of my points which I had never used. It's 32,003 which when I paid in full I should be able to use them. They are mine for paying and using the card.

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PeggyClearfield, PA

Reviewed Jan. 7, 2009

In October, 2005, I responded to an offer from Chase to access my credit card line of credit with them for a loan to be repaid at 3.99% for the life of the loan and repayment at 2% of the outstanding balance per month until the loan is paid in full. I borrowed $38,000.00 and have made every monthly payment on time. The first payment was $763.00. The current balance is $20,509.23 and the last monthly payment of $416.00 was due and paid on 12/21/08. Yesterday, 1/6/09, I received my monthly statement on this account showing a minimum payment due of 5% of the outstanding balance or $1,025.00 plus a $10.00 "transaction fee" - an increase of 246% in amount due!!!! There was no notice or advance notice of this change.

I called Chase Customer Service twice seeking an explanation. I was told that as of 1/1/09, Chase had instituted a monthly transaction fee of $10.00 and requiring 5% of the outstanding balance to be paid each month. The only way to avoid the additional payment requirements and the monthly transaction fee is to agree to an increase in the interest rate from the original promised "fixed" rate of 3.99% to 7.99% interest; then, and only then, would my payments revert to 2% per month of the outstanding balance and then and only then, could the $10/month "transaction fee" be removed. Since the only transaction that has occurred since I took out this loan (which Chase begged me to do, month after month - multiple mailings per month, offer after offer, etc.) has been my monthly payment, apparently I am now being charged $10.00 a month for the privilege of the payment transaction.

The Chase CSR said this was being done to "help all customers during this time of economic turmoil" to "increase their cushion of funds". Evidently, the 25 BILLION dollars of taxpayer money that the federal government poured into Chase Bank is not enough - now they have to mistreat good customers who have never missed a payment and never had a late payment.

I have upheld my part of the bargain for three years. Chase has unilaterally, without prior notice, reneged on their original offer and promise, i.e., they are attempting to arbitrarily increase my monthly payment by 246% and to add insult to injury, add a $10/month extra fee... just to help themselves to more of my money while pretending they are retaining the interest at the originally agreed upon rate. The new bill says "Effective interest rate of 4.64%" - so how is that retaining the 3.99% interest rate?

I have been a Chase customer for decades. This is not the first time I have had a credit card loan with them. In each and every transaction in the past, they have never changed the original terms of the loan and, as a result, I felt confident that they would uphold their original agreement with me with this loan. I am stunned that they have decided to try to go back on their word in this time of financial meltdown. Apparently, they are attempting to reset the terms of existing agreements to make monthly payments so high that their customers cannot make them. No doubt they have plans to up the interest rate and add fees and penalties to those consumers who cannot fulfill the arbitrary terms of the "new" one-sided agreement to further fill their coffers.

I spent some time today looking up news stories about Chase and discovered that they have been accepting pennies on the dollar of debt owed by thousands of their customers, reducing interest rates, and stretching out payments, waiving late fees - all for risky consumers who are having trouble paying their credit card bills. I am outraged that Chase is putting the squeeze on me - a customer who has never been late or missed a payment EVER. I can continue to make my payments at the 2% of outstanding balance without defaulting - they have NO risk in continuing to honor their agreement with me. What is their excuse for upping the payment requirement from $400/month to $1,025/month and slapping an additional $10/month fee on top of that?

I do not believe I am the only customer affected by this sudden and unilateral move by Chase to enrich themselves at consumer expense. I would love to join a class action suit against Chase to make them honor their loan agreements. Please consider looking into this on behalf of all similarly affected consumers who have had this thrust upon them as Chase's "Happy New Year" gift to their customers.

The Chase CSR told me today that they "love me as a customer and want to retain my business". Ha! Unless they back down on this blatant change of rules in the middle of the game, I will never use or patronize a Chase bank, credit card or anything else with the Chase name on it again. They have effectively ruined any possibility of doing business with me or my family in the future.

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HillaryHamtramck, MI

Reviewed Jan. 6, 2009

In Dec 2008 I went online to make a monthly visa payment. Did not notice the screen had changed and required the user to de-select the no button (meaning, no I do not accept the terms of this online payment). Even though a make payment button appeared and I did select it because the no button had to also be de-selected, my payment did not post. While I should have been more thorough and realized the payment did not go through, the website had changed and become a bit tricky. I thought I had made the payment, but received a call 10 days later asking for my payment. Upon explaining my side to the initial rep at Chase Card, he informed me that many people had in fact reported this same complaint. He transferred me to a supervisor who said, basically, "too bad, we share no blame in this."

Our non-profit organization's Chase Visa card jumped from 6% to 27.99%, totaling hundred of dollars per month. I was stonewalled from talking to anyone higher, and was told by the super that I could mail or fax a letter to Chase if I wanted. No day in court for Chase I guess.

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MarkSanta Fe, NM

Reviewed Jan. 6, 2009

In 2005, my wife was offered a 2.9 percent balance transfer with no time limit from Chase Bank. We executed the offer for $35,000, and have been paying the 2 percent minimum payment since that time. My wife's FICO score is over 800. We have never been late on these payments, and until yesterday, were satisfied that Chase also had been living up to the terms of the transfer. Yesterday, I discovered that Chase had implemented a $10 monthly service charge on this account and was billing us for interest charges related to the service charge, and had increased the minimum payment from 2 percent of the balance to 5 percent of the balance.

We called Chase and asked for details. Chase said that they had made these changes to ALL cardholder accounts which had taken advantage of a low interest rate balance transfer offer. When we pointed out that raising our minimum payment from about $350 to about $1,000 a month (with no notice) would be a hardship for us, Chase helpfully offered to increase our interest rate from 2.9 percent to 7.9 percent, and if we agreed to this 300 percent increase in the interest rate, they'd waive the service charge and reduce the minimum payment back to 2 percent. We did not accept these terms.

Further, we received no notice at all that Chase was intending to make these changes. Chase was able to offer no proof whatsoever that they had informed us of this proposed change in service. One Chase representative in the Settlements office said there was no evidence that Chase had sent us a letter with the proposed changes. One Chase representative said the letter had been sent to us on Oct. 24 (but could provide no evidence of that), and a third Chase representative claimed that Chase had sent a letter to us on Dec. 4, but also could provide no evidence that the letter had been sent. This latter representative told us that the law only requires Chase to claim to have sent a letter, not to provide proof that it actually had been sent or received. It seems clear that Chase failed to provide the statutorily required 15 days of notice for these proposed changes in terms.

It is also my understanding that Chase is prohibited from billing interest charges on these new monthly fees, but an interest charge for the fee showed up on our December credit card statement.

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RexValley Park, MO

Reviewed Jan. 6, 2009

My wife has had a Chase Visa for over a year and never had a problem. We always paid the balance in full on time. Suddenly in December, her card was refused and when I called, I was advised we had not paid the bill in the previous two months. When I advised I had received no bills, the agent said we had signed up for email billing. I told him I had not received the emails (potentially went to spam) and arranged to pay the following day electronically (I always paid this way). The first agent advised he had the same experience. When the bill came this month, we again had finance charges and late fees. My wife called and spoke to David ** to tell her that they would charge us for 3 months interest. When she told him again we had not signed up for email billing, he said it was impossible for them to do it automatically and I had obviously signed up claiming it took 4 steps to sign up.

To-date we have been charged $78 in late fees, and $17.45 in interest. We closed the account and will be closing our one other Visa account we have with them given this treatment.

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LucyLincoln Park, NJ

Reviewed Jan. 5, 2009

I have two credit cards with Chase (Visa) accounts in which I have paid in full. They continue to bill me for finance charges with a zero balance. At this rate, I will never have a clean slate on these credit cards. I am furious. What right do they have to continue billing me for finance charges with a zero balance? I have had credit cards all my life and when I pay the balance in full, there is never a finance charge for paying the whole amount in full. What is up with these credit card companies? They have become very abusive to the consumer. Consumers don't need this headache, especially now since this country is in an economic crisis.

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TomFairfax, VA

Reviewed Jan. 5, 2009

Hidden late charges and interest charges. Bill paid in full and card closed. Subsequent to that, fees and interest added. No bill, even confirmed no balance on phone. Then they banged my credit rating for a $20 balance, screwing up my otherwise perfect credit. They're unwilling to budge and insisting that they wanted my credit to reflect this. Unbelievable that they can get away with their tactics.

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TimothySan Jose, CA

Reviewed Jan. 3, 2009

Earlier this year, we finally decided to use a 0% balance transfer offer from Chase. The offer was good until 4/09. My spouse pays all of our bills, but was completely unaware of the terms of the balance transfer offer, so when the account started having finance charges in November, he didn't think anything of it. I noticed in our January billing cycle that we were being charged interest, and thought, wait, not til April! So I looked back through old statements and found that we had been charged since the Oct. statement - almost $900 in finance charges at a new rate of 10.99%.

After researching the payments, I found that the payment posted ONE DAY LATE - due to Columbus Day and that affected the 2-business day rule of electronic payments. So, I called and spoke w/ Aaron ** in their APR Specialist Dept, to inquire about an APR reset and a possible refund of the $900, and was told very coolly that it was all my fault, and there were no options in the account to fix the situation. Basically going forward, I'm out of luck, but if I had called the 1st of the month, they possibly could have done an APR reset, but he isn't sure. He was unwilling to transfer me to another supervisor, or to log a complaint.

This is after Chase has shut down 4 of our credit cards due to inactivity with NO NOTICE at all! Only after the accounts were closed did we get a letter in the mail. Chase's business practices are far from honest.

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FangGermantown, MD

Reviewed Jan. 3, 2009

I have been with Chase Credit Card for more than 6 years and have never been late for making payment. In early September 08, I scheduled a payment of $2017.70 online for a statement due on September 16. Noticing that a late fee of $39 was charged on September 16 in my account, I found out that the scheduled payment failed without no warning report on September 17. I called Chase right away to repay the full amount and dispute the late fee. Instead of appreciating the cooperative and trust-worthy behavior of the customer, Chase can't wait to take full advantage of their bloody terms about late fees and financial charges.

1) Late fee of $39 STAYS in the account.
2) Financial charge of $28.43 was imposed on the remaining balance on September 26.

3) Annoyed by the late fee and financial charge, I decided to close the account on October 1 and paid the total remaining balance of $1377.28, except unfair late fee and financial charge.

However the Chase nightmare continues and worsens.

4) Late fee of $15 was charged on November 16 and finance charge of $1.00 was charged on November 26.

5) Late fee of $15 was charged on December 16 and Finance charge of $1.68 was charged on December 26.

The accumulated amount due now is $102.58. When I called to dispute their wrong-doings, they argued with strong voice that "everything they have been doing is fully justified by credit card terms and agreement, and they are going to keep charging the late fees and finance charges on 'disputed' late fees and finance charges. You'd better pay it off because the rules are on our side."

I understand the banks in the US are having trouble. But by ripping off the customer so desperately and shamelessly, how long will they last?

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KathyGreen Bay, WI

Reviewed Jan. 3, 2009

I was surprised to find my interest rate had increased in one month from 9.99% to 29.99%. When I called the company to inquire as to WHY, I was told that I had gone $10 over my credit limit 2 months ago and had gone over by $90 in the current month. I explained that I had sent a payment mid-month to correct the overage and had paid the $39 overlimit fee two months ago. I was told nothing could be done. The manager I spoke with acknowledged that I had never had a late or missed payment, but that my activity deemed it necessary to increase my rate. Incidentally, I held for 15 minutes for the first CSR and another 10 minutes for the supervisor.

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SusanLouisville, KY

Reviewed Jan. 2, 2009

Right about a year ago, I took advantage of the Chase credit card 0% on balance transfers. I transferred the balance from another credit card so that I could get the balance down and pay it off. About 2-3 months after completing my transaction with Chase, I lost my job and did everything that I could to make the payments on time even though it was just the minimum amount. About six months later, I made a payment that Chase states they never received. I called and explained to several CSRs about the situation. Their only concern was that I make the payment on time and I could even do it over the phone. As a result I had to make a double payment more than once and they raised the interest rate to 29.99% which took the minimum payment from about $225 to $505(most recent statement).

I have even had a CSR tell me that if I did not like it, I should take my business elsewhere because it was not her problem and that I should make my payments on time. Then next thing that I was told is that if you are a good standing customer they will keep your interest rate very low, but if you become a risk then they increase the interest rate to the highest rate possible. What sense does this make when you would think that if customers are calling they would assist those having trouble? But instead, it is just the opposite. I was also told that no matter what you do when you call and ask the CSR to make a note on your account, it really does no good because it goes no further than the original person you speak with.

I cannot afford to make a $505.00 payment monthly, nor does it seem fair that Chase can take your interest up and down anytime they want to. Last month, my interest rate dropped to 23%. Then this month it climbed back to the 29.99% again. While there were times when the payment reached within a day or two after the due date, I think that if the customer makes every effort to call and explain the situation, there should be some assistance in regards. But again, I was told that calling does absolutely no good. They just make a note in the system and then ignore it. I even asked about a hardship and was told too bad, they won't work with consumers that are at risk versus those that are good paying consumers. The sad thing is that I have a vehicle loan with Chase and I am in good standing with them regarding that loan.

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SewNew York, NY

Reviewed Jan. 2, 2009

They changed my due date, bringing it earlier by 5 days; by the time I paid my usual payment online, it had passed the new due date. However, I called Chase; they agreed to change my due date back to about 22nd of the month, but they did not remove late fee. I cancelled the card. Chase continues to charge me a late fee every month. Please help.

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JackieCanton, GA

Reviewed Dec. 31, 2008

Account was paid in full resulting in an overpayment on 12-8-08. A refund check was issued on 12-10-08 for $178.35 which should have cleared the account.

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ShelleyAumsville, OR

Reviewed Dec. 31, 2008

My credit card payment was due on 12/19 and, because of power outages in my area due to heavy winter storms I had no choice but to mail my check in to Chase. The check was mailed on 12/14 yet Chase claims that it was not received by them until 12/26. This made my payment late. When I called Chase and spoke with a supervisor I was told, very rudely, that it was not their problem that the holidays delayed the mail and I should have taken that in to account. I told her this was absurd, how was I to know that my power would be out and I would have no way of making an online payment, which is the way I typically pay my bill. She plainly said too bad. I have never been late on paying this card and have been a cardholder for quite a few years.

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SteveChippewa Falls, WI

Reviewed Dec. 31, 2008

We have been AOL/Chase Visa card holders in very good standing since 1997. During that time we have taken advantage of low interest financing, 3.9 % until the balance was paid in full on three separate occasions. The first two times were flawless. The third time was as well (we owe now just over half of what we originally borrowed) until we received a notice from Chase at the end of November that they were changing their policy. Now the account would carry an additional $10 per month service fee and the minimum balance due would change from 2% to 5%.

When we contacted Customer Service we too were told that we could change to a 7.99% annual rate on the balance and only pay 2%. If we chose not to do that, the $10 service fee would apply. We asked why we would want to change our GUARANTEED for the life of the balance fee from 3.99% to 7.99%--why would we want to agree to that? We were informed it was a policy change. We could close the account but the new terms still apply. Legally, they may be allowed to change the terms of the contact, however the contract we agreed to was 3.99% for the life of the balance. The finance fee would not raise as long as we paid our minimum on time each month. Interestingly, it states very clearly on their notice that these fees are indeed FINANCE charges. Therefore, the finance charge by their own admission is changing. That to us, is our legal issue. Finally there is the issue here of discrimination. This is an action being leveled BECAUSE our credit made us a good investment for Chase to make such a loan in the first place. These rates, from our understanding have been reserved for their best customers. We are the ones who ARE a good risk. We have never missed a payment and have always paid more than the minimum due. We realize that their poor business decisions will be balanced on the backs of the working class, but aren't we doing enough by bailing them out as tax payers? Chase's 'business decision' of changing their terms mid way through the river has the potential of increasing the economic problems faced by the consumer and country as a whole--and we're quite honestly shocked by Chase's audacity. One last interesting bit of information: we recently received another set of checks from Chase offering either a .99% rate through April 2009 or a 5.99% rate for the life of the balance. And, it doesn't say a word about $10 monthly service fees or 5% minimum payments. So, the deception continues...

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StephenPayette, ID

Reviewed Dec. 30, 2008

For the last couple of years, half the time my payments to Chase have arrived late, although I send them out at the same time each month (the day I receive the bill). Each time, they have adjusted off the $29 late fee at my insistence. In October I had finally had enough and canceled the card, after receiving their assurance that the final late fee would be adjusted. They canceled the card, but continued charging me late fees in November, which I once again called and disputed, and was assured it would be taken care of. Ditto in December. In December, I went from Mark in Customer Support (from the number on the invoice) to some guy with an accent so thick I couldn't understand his name (in Customer Service [which is apparently different that Customer Support]) to some team led by Tara McMurty and on to her supervisor Megan. Megan insisted that there was nobody above her and would give me no information for continuing the dispute up the chain.

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RobertLanham, MD

Reviewed Dec. 30, 2008

From the very lips of their customer service rep. Shortly after 10/17/08 (statement generation date) I called Chase Credit Cards for a balance on my account. Receiving said balance, I sent in a payment for the full amount. They admitted receiving the payment on 11/12/08; well before the generation of the next statement. Therefore, when the statement would be generated on 11/17/2008, there should be a $0 balance and nothing on which to generate additional finance charges. They're saying that payments that come in before statement generation are not included when calculating statements. Therefore, they're still trying to collect finance charges on my (closed) account.

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JamesOlympia, WA

Reviewed Dec. 30, 2008

Could not contact services to notify of late payment, payment not made could not stop calls from them. Then agreed to settle for 1,000 less on 8,000, made good faith effort to pay off when wife had to have oral surgery at 10,000, most up front. Contacted hardship dept to inform them unable to meet agreement, monthly bill increased from 180.00 to 280.00. Just seems like they don't want me to pay off the card. I think all that free money from the Govt is in the back of their mind. Or maybe just a disconnect between hardship dept and the credit card services themselves. I will pay them off, but will never use their services again.

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TinhSanta Clara, CA

Reviewed Dec. 30, 2008

I have Chase card Circuit City. I have not been getting my paper statements by mail so that I missed the due date. They then charged me $39 late fee and $256 finance charge since they told me that my promotion period ending which is not correct (my promotion will end in 2011).

I called them up and explained that I didn't get the paper statement. They would not understand my situation and their customer service lady was really rude when talking to me.

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StevenHouston, TX

Reviewed Dec. 30, 2008

I have tried to update my email address with Chase online so that I receive online statements in a timely manner. I have now changed my email address on their site 5 times, and each time it says it is updated, but then when i log in again the old address is there. This has caused me to miss payments and be assessed late charges. I asked Chase to waive the fees and they refused. I have never seen this terrible level of customer service in my life. I wanted this card for the onepass miles, but this continual hassle is not worth it. I would strongly recommend that consumers avoid Chase credit cards, as they have terrible customer service and it almost seems like their systems are inaccurate on purpose so that they can collect late fees.

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JohnAtlanta, GA

Reviewed Dec. 30, 2008

Chase changed my monthly due date for my credit card payments from 15th of the month to the 10th of the month.

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VitaSaratoga, CA

Reviewed Dec. 29, 2008

In Feb 2008, we purchased a TV from Circuit City with 0 interest finanancing for a year. They would defer interest as long as we made the minimum payments. Towards the end of the year we didn't recieve a statement from chase and were therefore late in making the minimum payment. When we received the following month's statement it inclued the previous months balance as well and we paid it. The next month we were charged the entire amount of the deferrred interest of $563 (for a $3K TV). When I spoke with them they said the promo had expired because we paid the minimum payment late. We told them that we didn't recieve the bill and have always been current with our payments to which they just replied - well you signed the agreement and that is our policy and you should have known that you have a minimum payment due. You should have called us and asked us what that minimum payment was. For all of us that rely on recieving statements to make our payments this was a terrible scam as the chase relies on the fact that mistakes can be made by the postal service and customers may not always receive a statment.

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SharonFort Lauderdale, FL

Reviewed Dec. 29, 2008

Its about my Chase credit card account.I have been disputing this for a year now. And just recently they came back to me and said there was nothing they could do to help me and now want me to start making payments for a $6,000.00 charge. I'am a victim to a fraudulent telemarketer Casey Consulting who charged my credit card for services that were never rendered. By law I have made a real effort to resolve the dispute with merchant but I have had no such luck. I have contacted Casey a number of times and have not received one phone call in return. This company was suppose to help me start my website and market it for only $250.00 dollars.Which Casey said was refundable if I did not like the services or made it back in a year. This is the only thing I committed to. For this I was to receive support from an advertising coach which I never received. No coach or anyone else has ever contacted me. Chase refunded me the $250.00 and not the $6,000.00 Casey said I order a Gold Adverting package for $6,000.00 which i did not.I have pages and pages of documents that I would like to speak to someone about. There are other hard working middle class families just like me that have been scam by this same company. So please I desperately need you support please call. Sharon Voelker

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MargaretVersailles, NY

Reviewed Dec. 28, 2008

I received a note in my december 2008 bill telling me that a $10.00 a month fee is added to each bill and that the payment rate went up from 2% of the bill to 5% of the bill, thereby having me pay 2 1/2 as much each month and that the only opt out is to raise the rate to 7.99% or pay it off in full before january. I called and asked if they were aware of congresses ruling and I was told they started to put this into action in September so they were exempt from congresses ruling.

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KennethFt. Lauderdale, FL

Reviewed Dec. 28, 2008

In the middle of November, 2008, I received a priomotional letter stating that I could write a check now and pay it off later at a much reduced APR. I took no action then, In December I recember the same promotional letter with a lower APR.

I decided to write a check to pay off a debt. A few weeks later, I received a card stating that check had been declined because the account was closed. I called Chase and spoke to the rudest CSR who told me that the account had been closed at the end of November for lack of use and the company had no obligation to notify me of this cancellation. There was nothing that they could or wanted to do to help me and that they may even charge me a fee for declining this check. She made it sound as though I was at fault.

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AlSparks, NV

Reviewed Dec. 27, 2008

I contacted the customer service department at Chase and spoke to a Frances at 9:33a 12-27-08. She claims that my payment was not posted until 12-22-08. I wrote the check on 11-28-08 and it would have been mailed no later than 12-1-08. The payment was due on 12/15/08. I have never been late with a payment and after asking for a supervisor, I was transferred to Margaret. Margaret informed me that she is not responsible for the mail being late, that they received and posted my payment on 12/22/08. She agreed to waive the late fee one time but would not reset my account back to not charge me interest on the balance transfer. I explained that I have not been late with any payment and would like her to reconsider. She would not. I told her that I would close my account, pay the balance, write to the BBB and let Southwest know that I am not happy. I will also demand that my annual fee be pro-rated and refunded. I think there may be an issue with how payments may be posted to accounts and would like an investigation into the practices of Chase Credit Card Services.

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TristianAustin, TX

Reviewed Dec. 27, 2008

I've been billed $139.99 on my Amazon Chase bank credit card by SLG Shopper Advantage (TLG*SHOPPERADV73719062(Services and Merchandise) on 12/22-12/23) for the reason I have no recollection or what was ordered or purchased. I tried reaching Chase bank unsuccessfully through TTY service and I tried using IP Relay and no live rep was available.

I have intended to close my account after my last payment of 54.11 on 12/23 24692168358000226006852

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MjErie, PA

Reviewed Dec. 27, 2008

i was recently solicited by chase to reactivate an old charge card account from 1996 that i hadn't used for a while. i agreed to have it reactivated and they sent the bill to my previous address, yet never confirmed this address with me. because i have 6 other chase accounts, i assumed they had my current address. however, when i realized i was not receiving my bill, i contacted them and they told me that they charged me $39 for a late fee. i argued that they never asked me for my address, and i assumed because of this they had on file my current address as with my other accounts. they refused to waive their $39 late fee despite it being my first one. i paid off my bill and canceled my account, however, i believe they had an obligation to confirm my current address and acquire all the current info they need particularly if they are soliciting the consumer.

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MjErie, PA

Reviewed Dec. 27, 2008

i was recently solicited by chase to reactivate an old charge card account from 1996 that i hadn't used for a while. i agreed to have it reactivated and they sent the bill to my previous address, yet never confirmed this address with me. because i have 6 other chase accounts, i assumed they had my current address. however, when i realized i was not receiving my bill, i contacted them and they told me that they charged me $39 for a late fee. i argued that they never asked me for my address, and i assumed because of this they had on file my current address with my other accounts. they refused to waive their $39 late fee despite it being my first one. i paid off my bill and canceled my account, however, i believe they had an obligation to confirm my current address and acquire all the current info they need particularly if they are soliciting the consumer.

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MjErie, PA

Reviewed Dec. 27, 2008

i was recently solicited by chase to reactivate an old charge card account from 1996 that i hadn't used for a while. i agreed to have it reactivated and they sent the bill to my previous address, yet never confirmed this address with me. because i have 6 other chase accounts, i assumed they had my current address. however, when i realized i was not receiving my bill, i contacted them and they told me that they charged me $39 for a late fee. i argued that they never asked me for my address, and i assumed because of this they had on file my current address with my other accounts. they refused to waive their $39 late fee despite it being my first one. i paid off my bill and canceled my account, however, i believe they had an obligation to confirm my current address and acquire all the current info they need particularly if they are soliciting the consumer.

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MjErie, PA

Reviewed Dec. 27, 2008

i was recently solicited by chase to reactivate an old charge card account from 1996 that i hadn't used for a while. i agreed to have it reactivated and they sent the bill to my previous address, yet never confirmed this address with me. because i have 6 other chase accounts, i assumed they had my current address. however, when i realized i was not receiving my bill, i contacted them and they told me that they charged me $39 for a late fee. i argued that they never asked me for my address, and i assumed because of this they had on file my current address with my other accounts. they refused to waive their $39 late fee despite it being my first one. i paid off my bill and canceled my account, however, i believe they had an obligation to confirm my current address and acquire all the current info they need particularly if they are soliciting the consumer.

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EllenMontgomery, NY

Reviewed Dec. 26, 2008

Called 12/26/08 to find out when my statement went out. They said that they sent it out 12/15/08. I still havn't received the statement and this is the third time since April, 08. Ofcourse now I check regularly,but before this time I was told I had to pay a finance fee and they changed the rate of interest. I fought and they took off part of the finance fee (they did let's make a deal)and reenstated the interest rate. If this keeps happening they will say that this has happened before.

They Chase would like to blame it on the Postal Service, but I get all my other mail. Their customer service is rude and most of the time they don't have good command of the English language.

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JamesToms River, NJ

Reviewed Dec. 26, 2008

Last summer, I agreed to receive paperless statements with Chase Bank for my Visa Credit Card. Every month I would receive a letter in the mail stating that my e-mail address was invalid. However, when I would pay my bill, I would receive an e-mail alert stating that Chase received my bill payment on the same e-mail address Chase claimed was invalid. This continued, causing me to be late 1 month on my payment since I was not receiving my statements. Because I was late, I lost my promotional APR of 2.9% and put me at my standard APR of 13%. Chase claimed it was my e-mail address that had the problem and that statements were only a convenience anyway and not necessary.

After requesting paper statements, I have not yet received one statement. I checked my November statement and found that I was late again and now Chase bumped me up to 29.9% claiming they already mailed out my statement. To this date, I haven't received 1 Chase Visa Credit Card statement in the mail - Chase tells me to check with my post office. They are the only ones I have a problem with. I believe that Chase is capitalizing on late payments and default interest rates. They say it is my responsibility to ensure I pay every month - understandable, but at a busy holiday time of the year, they know many customers, who rely on statements, will not realize until just after the due date (as I did), discovering right after it was due.

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EdwardWasilla, AK

Reviewed Dec. 25, 2008

In november,Chase claims I was 1 day late on my payment to them.ONE DAY.They charged me a late fee.We called and disputed,the claim.Now this month,since we were one day late.They are charging us a default rate of interest of 29.99%.Our rate was 4.25%now its 29.99% for one day.We are in the process of getting the cancelled check and disputing this.What else can we do?

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NoahChicago, IL

Reviewed Dec. 24, 2008

my visa chase bank credit card literally goes into fraud alert alert every ten days causing my card to get declined I then have to call the card center spend 45 minutes verifying all my information every address I've ever lived at and every single transaction that I've made before it is cleared when the card goes into fraud alert like that I cant access my account online for 3 days days so 10 days out of the month my account is not accessable so with today being Christmas eve I went yesterday and made a $6000 cash payment to thier chase branch putting my account at $1200 in the negative (meaning they owe me 1200$) because i needed to do alot of last minute shopping for my kids.I go to make my first purchase after payment is already posted and showing on my account as posted and my card is being declined I call explain I am in a very big hurry being christmas eve and all the last minute things to do that goes with that but still have to go through the 45 min process of verifying everything then I'm told the card is cleared and now available for use so I hang up try the card two more times still declined I call back have to go through the exact same 45 min verification process I just went through just to be told I need to transfered to fraud center so I wait another 20 min just to be told they cant find my account in thier systems so I ask to transfered to a manager and I'm told I cant be transfered unless they have my account pulled up argue for 20 min about it before I hang up and call back go through all the wait time for the third time and have to go through the exact same verification process i just did two times already (it's been almost three hours now I've been on the phone!!) So I do all this again and I'm told they dont know what the problem is everything should be working ok I ask to speak to a manager wait 15 minutes more verification when the manager gets on I explain situation and she tells me there's nothing she can do at this point I ask to speak to her supervisor wait 15 minutes again just to be told that the problem was sent to a specislist.I then ask to be connected to the specialist and I'm told that I can't because she is not sure how long the wait is, I explain that i have been on the phone for three hours to just to be told this so i'll wait for the specialist the manager then tells me no i cant be transfered they will call me back within 24 hours and thats final.So i just payed off my credit card and $1200 to this company but can't use the card for at least 24 hours and cannot get any of my christmas shopping done if i would have knew this before i would have kept the cash and just used it for my gifts.I cant even get a refund of the overage paid before the 24 hours to at least get a few gifts in time for tomorrow morning so now my kids will wake up on christmas morning with no gifts because nobody at this huge billion dollar corporation knows what thier doing this is why i am cancelling my $50,0000 a year average account with them.

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Shanda510 Washington Ave., Apt, CA

Reviewed Dec. 24, 2008

On 12/24/08, I contact Chase Credit Card Services regarding an outstanding loan that I have with their travel rewards card. A year ago I transferred a large balance because I was offered a promotional rate for the life of the loan. I did this in two transfers. The original transfer was at 3.99% and the second transfer was for a 4.99%. The balances for both rates are about equal. I happened to be reading the 2008 Credit Card Bill of Rights Act and noticed that it stated a comsumer now has the right to request that their periodic payments be applied to balances either on a prorata/allocated basis or simply applied to the balance with the higher rate. When I spoke to a Supervisor at Chase, I was informed that this was not an option offered at this time by Chase. I told him of the CCBOR Act, and he repeated the not an option. It was as if he were reading from a script. He also informed me that if I didn't like the decision that I could report Chase to the Better Business Bureau and I did.

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RobertNorwich, NY

Reviewed Dec. 24, 2008

I had a Hess Visa card, issued by Chase Credit Services. The card number was 4266-0530-oo79-o956. On Dec. 23, I tried to use it at a Hess gasoline station, and it was not accepted. I called Chase, and was told that the card had been suspended because of an alleged high amount which I was carrying on another credit card. This is not true. I have one other credit card, plus an account with GMAC on my car, and I have always paid all of these accounts in full each month. The customer service representative saw this, and promised to reinstate my card immediately. I tried it,and again it was not accepted. So I called Chase again, and was absolutely assured that my card was valid. So I tried it again, and again it was not accepted. So I called and told them to cancel the card, ascertaining that it would be recorded that I requested the closure. Considering how they treated me, I wouldn't doubt if they report it as a closure by them.

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PatPort Washington, WI

Reviewed Dec. 23, 2008

On 9/29/08 I took advanage of an offer for transferring balances for 0% until 8/2009 with a Chase Credit Card. One month later, they changed our aggreed upon terms. Now they inform me they are charging a finance charge of $10 per month and increasing the minimum payment another 3% over what I had originally agreed to 1 month prior. Had I known this was going to happen I would never had transferred all my balances into what I thought was one easy lump sum repayment plan. This is beyond deceptive, it is criminal. Chase is luring unsuspecting consumers into their lair with a bait and switch offer which now, is hard to untangle. When I called Chase about this, I was told this is how it is going to be. I asked for my original $199 transfer fee back and I would pay off this balance and close the account immediately. They declined. They offered to keep my monthly payment at 2% of the balance (rather than the new 5% going into effect) but then I would pay 7.99% monthly interest. I would have kept all my debt where it was previously at lower rates had I not fell into the spiderweb of Chase's 0% offer! Never have I said this before -I am in favor of initiating a lawsuit to get this shady business out of business!

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DrCandler, NC

Reviewed Dec. 23, 2008

I have posted a letter that I sent to the CEO of Chase Card Services, which is very detailed, on my Website, Change in Terms dot com (see the About? page).

I created this site as a result of credit card company abuses at large, and with recent aggressive anti-consumer actions, I have been working on the site regularly. I, too, have been broadsided by the change in terms notice recently widely distributed by Chase, raising minimum payments from 2% of the balance to 5% of the balance, plus an additional $10/month finance charge. However, unlike many complainants with respect to this issue, I wrote Chase Executive offices in 2006. I did this at the time, because I was irritated at an unprovoked action that Chase had taken against a colleague of mine down the hall, and to put Chase on notice? preemptively that I would not tolerate this sort of behavior. I received a reply from its Executive offices stating that the 3.99% fixed promotional rate? I had been promised on an account of my own would remain fixed, if I met two conditions: we must receive monthly payments by the due date on the billing statement and your balance may not exceed the assigned credit limit (and I have met those conditions). Chase lied, and I recognize that there are implications (reaching across a broad spectrum of corporate communications matters) when official correspondence from those who are designated to speak for corporate officers cannot be relied upon. As attorneys, I expect you have an appreciation for the difference between a letter such as that which I have described, and blanket boilerplate notices? sent to a group of consumers.

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AnnEugene, OR

Reviewed Dec. 23, 2008

Chase changed the terms of my fixed 4.99% balance transfer that I've had for years on this card. They suddenly (effective 1-1-09) want to charge me $120/year fee plus raise my minimum payment from 2% of balance to 5%. I can't afford this. I have never been late with Chase..this is out of left field. They said even if I close the acct. I am bound to the new terms unless I close the acct. AND pay off the balance in full (can't do).

The other option they gave me was to accept a new 7.9% rate for 2 years, and they'll waive the $120 fee plus allow me to pay 2% minimum.

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FeliciaGreenbelt, MD

Reviewed Dec. 23, 2008

I have been a Chase Customer since 2002, and I have always experienced the worst customer service from its customer center. I always paid on time never missed a payment.

I recently had surgery and have had a lot going on in my life. Which is why I forgot to pay my bill before it's due day of December 22nd. However, once I remembered that my payment was due on the 22nd, I immediately tried to pay it that day on the 22nd of December. When I called I was told that I had to pay a $14.95 fee for paying after 4pm on the day my payment was due.

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ChristinaOrangevale, CA

Reviewed Dec. 22, 2008

I purchased a home in March 2007. To purchase the home, I obtained a line of credit from Chase. The LOC was in the amount of $75,000. I used $42,000 to purchase the home. My mother-in-law passed away, and I asked my husband if I could use the money that she left us, $35,000, to pay down the LOC. We planned to eventually use this $35,000 to improve our home. This fall, we hired some contractors to do the work on our home. But, that is when I found out that Chase had frozen all lines of credit, including ours. Even though we have $100K equity in our home, and have excellent credit. The interest rate on our LOC was 8.75%. Subsequently, they raised our Chase credit cards rates.

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MarkE Carondelet, IL

Reviewed Dec. 22, 2008

Forgot about this until reading another posting. CHASE cancelled one of my credit cards that I have had for a number of years. Their reason was 'inactivity' AND 'Too many mortgages' which actually I have less than I did 3 years ago as I have rental property. I had no prior notice they were doing this either. Just received the letter in the mail stating they had closed it.

It was a former WAMU/Providian credit card. However since I had it paid off and kept it for emergencies, this seems grossly unfair.

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NormKent, OH

Reviewed Dec. 20, 2008

Chase did not send me a credit card bill for the month of nov.2008 and then on 12-2008 I get sacked with a late charge. They won't remove it. I always pay my bills on time. This is one way they can screw the consumer.

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CherylStoneville, NC

Reviewed Dec. 20, 2008

I went over my balance for the first time ever,and I was 6 days late.I'm always pay on time. They raised my rate from 4.9 to 9.99.

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JeffUnion City, CA

Reviewed Dec. 20, 2008

Like others, Chase has closed one of my credit card accounts without prior notification. When inquiring about reopening said account, I was informed that the bank policy had changed and mandated closure of accounts that were inactive for 24 months. I am filing a complaint with the OCC and the BBB regarding this abhorrent business practice.

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RonaldJackson, MO

Reviewed Dec. 20, 2008

A $10.00 monthly fee has been added and the payment schedule has been raised from 2% to 5% of the outstanding balance. On another account of long standing the rate has been raised from prime + o to 19.99%.

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SkipFredericksburg, VA

Reviewed Dec. 19, 2008

I recently had CHASE cancel TWO of my credit cards without notification due to inactivity. One account was established in 1993 and the other account was established in 1994. I called to activate both of these replacement cards and was told that the accounts had been closed due to inactivity. When I complained about no notification prior to closure they said that they had sent out a pending notice of cancellation 30 days prior to closure which I can neither prove or disprove. As I did move to a new home during this period it is possible that the letter may not have been forwarded BUT you would think that for long term customers they would have done a follow-up prior to this rash decision that could have a very heavy impact on an individuals credit score. Prior to this I had never been late with any payments to Chase and had a credit score of 802 as recently as August 2008 when I purchased my new home! Chase has refused to reinstate these long-term account dates but will establish a new account as of this date - an action that could further damage a credit report. Based on other posted complaints it sounds like a class-action suit is in order and this should be subitted to Congress as well.

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MarkE Carondelet, IL

Reviewed Dec. 18, 2008

Received a notice on 12/17/2008 that effective Feb 2009, they were raising the interest rate and fees, it certainly is not clear as to what the current interest rate is, however their default rate is going to 21.99% + PRIME! which right now is 26.90%! This company needs to be put out of business, everything they touch they screw people over.

But, they also LIE. There is an article here on consumer affairs where chase states they will stop the practice of raising one's interest rates if they are late with another creditor. On the circuit city change in terms, back page section d) Default Rate: They clearly state that the interest rate may vary if one is in default with them OR ANY OF THEIR RELATED COMPANIES. The agreement then it goes on to state what will get you the default rate, but TWO in particular: YOU FAIL TO MAKE A PAYMENT TO ANOTEHR CREDITOR WHEN DUE. YOU EXCEED YOUR CREDIT LIMIT ON THIS ACCOUNT. It was a common practice with circuit city, that if you made a purchase, the protection plan COULD EXCEED your card limit without penalty. NOW Chase is changing this, but it is unclear if they mean 'if your balance is over your credit limit due to this' or for new purchases. Why they don't deny the sale if it exceeds your credit limit is beyond me.

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Peta-AnnLauderhill, FL

Reviewed Dec. 15, 2008

I used a convenience check provided by chase last month and was waiting for my statement to tell me how much i owed. I never received a November statement but received a DECEMBER statement telling me I had a late fee. I tried to explain to the supervisor that with my years at Chase i never had a problem receiving statements and never been late. She explained the post office did not return any mail to her and would not waive or concede on the late fee. I am absolutely FURIOUS at CHASE for not understanding. I can't know how long it takes them to process the convenience check and i didn't receive a statement in the mail.

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RonaldJackson, MO

Reviewed Dec. 12, 2008

In October transferred approx 18000 at 2.99% for the life of the loan as long as payments were made on time. Payment schedule was to be monthly interest plus 2% of outstanding balance. Now they are demanding a $10.00 a month fee and plus interest and 5% of the outstanding balance. When contacted I was offered 8.99% until Jan. 2011 with payments of interest plus 2% of outstanding balance. Rep said they had meet with all banking regulations in violating our agreement.

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FranMead, WA

Reviewed Dec. 12, 2008

Changing minimum payment from 2% to 5% plus adding a $10 monthly fee. Violates our original agreement until balance of low interest loan is paid in full. 2.99 and 3.99 are my current interest rates.

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MarvinAvondale, PA

Reviewed Dec. 11, 2008

When Bank One Merged with Chase they began to raise my interest rate agressively. No violations of user agreement late payment or anything of the kind. I paid them off with a H E loan through a different lender. I wrote them a nasty letter.

6 months later a Account retention manager called and asked me to return. He promised 3.90 APR for the life of the balance. 2% of balance minimum and assured me that while I would be subject to traditional practices on any further purchases on the card, the transferred balance would never be subject to apr increase for the life of balance. I paid a 3% transfer fee and transfered $34,000. I haven't used the account since and have paid every month on time. Now they are rolling me in with the $10 month 5% minimum payment C of Terms. This is outright fraud. The product is not what they represented.

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DianePeabody, MA

Reviewed Dec. 11, 2008

WARNING: CHANGE IN TERMS

I have a balance transfer with Chase at 3.99 percent interest until the loan is paid off. On the November statement, I was notified that effective immediately have instituted a $120 a year finance charge/account service fee onto the account. The amendment states twice that this is a finance charge. This effectively doubles the finance charges I will pay on this account. Customer relations told me that the original (1991) cardmember agreement specified that they could change fees at any time. But this account service fee is only being charged to people who took advantage of a balance transfer offer which stated it was a fixed rate until the loan was paid off. So it's only being used to raise the interest rates on some accounts.

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SueHarrisburg, PA

Reviewed Dec. 11, 2008

I have excellent credit. My husband and I have incomes of 150+k. I received a letter from Chase on 12/10/08 stating that a fee of $120 a year was being added to my account as a service fee and that my minimum payment would increase from $280 to $700/mo. My APR of 4.99 would not be changed. My husband and I are really upset with Chase and we feel this is an unfair practice that needs to be addressed.

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LanaCulver City, CA

Reviewed Dec. 10, 2008

I agreed to a promotional offer form Chase Visa Amazon credit card with 0% APR for 6 months on balance transfers. I paid off the balance of Chase CC, and transfered $5500 from another credit card. On 11/26 I went on my quicken.com account, where all my credit cards and bank accounts are listed, and noticed, that the Chase CC balance was higher, than a day before (I check the balances on ALL my accounts at least once a week). I logged into my CHase account, and saw a late fee. I called Chase immediately, and they told me that my bill was due on 11/25, and since I didn't pay it on that date, they now charged me a late fee, and my promotional balance offer was changed to a much higher rate. BUT I DIDN'T RECEIVE MY BILL IN THE FIRST PLACE! First of all I submitted the payment online immediately (on 11/26, less than a day after the due date), then I called the 888 number, and explained the situation to a customer service rep, but he told me there's nothing he could do for me. He said I needed to wait until 12/05, when my new statement is issued, and THEN call. He also said based on my good credit history and the fact that I was only 1 day late they could reinstate my promotional APR. I called on 12/10, and two reps told me there was nothing they could do for me. My APR went to 18.99%. So now I see many customers have exactly the same complaints as I do, which makes me believe Chase didn't send the bills at all, to make money on the late fees and increased APR rates. Why are people like me, who have excellent credit and always pay their bills on time are punished for the banks' mistakes (in the best case scenario!), or even fraudulent practices?! The goal of the balance transfer was to help me pay off some of the credit card debt incurred when I remodeled my newly purchased condo. I was hit with an APR increase and a late fee I didn't deserve. It MUST be illegal for the banks to profit in such way.

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HenryCarlisle, PA

Reviewed Dec. 10, 2008

I purchased an LCD TV from Circuit City through a 0% interest promotion from Chase/Chemical. I attempted to pay the full balance due before the offer expired by executing a balance transfer to Capital One. I also informed Chase that I wished to close my account when my payment had been processed. I received a letter from Capital One stating that Chase had returned our payment causing a lateness and loss of the 0% interest. I was then charged a total of $485.65 in interest charges. I contacted Chase several times on the telephone and finally was told to attach the letter from Capital One to an email and send it through their website. I followed these instructions and was then told that Chase could not open the attachment. I then asked for and received a FAX number and sent a copy of the letter. I received no answer and called Chase once again. Fabian told me that the letter was received and that there was No bank error.

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TammieGreenville, SC

Reviewed Dec. 10, 2008

My husband and I have (had) three Chase credit card accounts (one has a balance). We are members in good standing, and always pay our bills on time.

We received a letter this week in the mail that our account was closed for 24 months of inactivity. My problem with that is that I had no prior notice of this impending closure. Upon calling customer service, their response was that this is bank policy and basically tough stuff. They wouldn't reopen the account, didn't want to allow me to speak with a supervisor (after multiple requests I got Teresa's voicemail) and offered no options except to open another line of credit with them.

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RachelBridgeport, MI

Reviewed Dec. 9, 2008

I received a call from the above number on Saturday December 6, 2008. The man on the phone claimed he was from Visa Platinum Rewards and said that I qualified as a great customer to receive a $200.00 gift card from Wal-Mart. He said "Does your card end in numbers.... and proceeded to name off my credit card number. He also knew my address. I said "no thank you!" and hung up. I then called Chase and asked if they had someone call me. The security department told me that it was someone from Chase and connected me to a customer service rep. The rep denied that it was Chase and said that Chase did not share my information. They closed my card and changed the number. I called the number back and it said that it was a business line and asked me to hold. It then hung up on me. The number has called me back every day since and when I answer no one will speak.

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MichaelCrystal River, GA

Reviewed Dec. 9, 2008

Last week(12/1-12/7)wife was in Hospital. Didn't get to computer to make pmts. until Saturday night(6th). Noticed overlimit fees, late payment fees, & new rate up fm. 7.99 to 29.99%. Freaked out & paid 2x what the ""new"" pmts were, & called this morning(mon.)spoke to a guy in india who waived the late charges AND the overlimit fees (which had solely been arrived at compliments of the NEW %rates AND the late fees, not actual charges)& was ASSURED to simply call back 2nite when wife(primary card holder)could verify, the former rate would be restored on BOTH Cards. Tonight I was told JUST THE OPPOSITE & that we are screwed. We can not afford $1200.+ per mo. on these 2 cards, & I will not go quietly. It's not about being LIED to, it's about fairness. These cards have NEVER had a late pmt previously, limits were reduced by bank(ergo ""overlimit"" fees)& after 2 years of always paying 2x or more, than minimum, ALWAYS Paying early & often 2x-3x per month...after a medical catastrophe, this is the ""thank you for Your business"" we receive? How come Credit Card Companies can charge more than PAWN SHOPS? How come credit card companies are willing to INSURE that we file BK & they get NOTHING? Not exactly a good business model, or 1 of either customer service, respect, or honesty. I will not go quietly; tomorrow I start with the AG's & Governors Offices, Clark Howard, & every consumer advocate I can find. I will not cease until they relent. This should be ILLEGAL. 30% interest; meanwhile they get BAILOUT $$$$? While sticking the Screws to us ""little people"" who've done nothing beyond have a loved one in the hospital that we couldn't leave for 6 days? What's sick about that? BTW, EVERY Other creditor removed the charges, & immediately reduced the rate back down, including JCP, Sears, & Discover...FUSA&Chase... I can think of some fine names for them about now.

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CristinaMoraga, CA

Reviewed Dec. 8, 2008

I received a letter yesterday from Chase indicated that they had closed my Visa account due to inactivity in the prior 24 months. I had been an account holder in good standing with their company since 1991, and I also previously had a car loan with Chase which was paid off in full in 2003.

My husband and I make $225,000+ combined income per year in stable salaried positions. We have a resonable house mortgage at a low interest rate on which we have always been current since the loan was originated, and we have no other debt (no car loans, no student loans, no home equity lines). We have substantial funds on hand in savings and checking accounts. We both have exceptionally high credit rating scores. Before Chase canceled my account, I only had three credit cards: Chase Visa, American Express Green Card, and Discover Card. I do not frequently use the Visa or Discover cards, and I either pay cash or use the AMEX for daily purchases. I pay off the AMEX bill completely at the end of every month, and so have no revolving credit that carries over between billing cycles. This has been the case for many years. My husband also has 3 credit cards, 2 of which are unused and 1 of which is paid in full each month. 3 weeks ago, I received a new replacement credit card from Chase in the mail. I called to activate my new card, and I believe that the operator recommended that the company cancel the card. After activating my card, the Chase representative then went on to agressively market many different financial products to me -- all of which I declined. Specific products she offered me included: several different types of balance transfers, identity theft insurance, and several other types of credit insurance. I assured her that I just wanted to activate my card and did not want to purchase any thing else at this time. Before we got off the phone, she mentioned that I had not used my account in 2 years, and I responded that I still wanted to keep the account current and active although I use it sparingly.

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MarkFoxboro, MA

Reviewed Dec. 8, 2008

I have been a Chase Cardholder for 10+ years....I have never missed a payment on any account -- EVER from ANY BANK --EVER. I have a 755+ FICO score.

Chase is now changing there terms to include a $10 a month fee which is basically a $120 annual fee (on a card I got with NO fee) and raising the minimum payment from 2% to 5% forcfing me into hardship... Oh...If I don't like it?? Pay off the card totally in 1 month. This is absolutely disgusting. Put these people in jail.

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JayNewton, MA

Reviewed Dec. 7, 2008

Upon leaving Costa Rica last month, I was charges some sort of exit tax for US $27.25. Chase Visa charged me a $10.00 transaction fee and $1 in interest for this purchase. The explanation is that the charge was put through as a cash advance. Neither a counselor at Chase Visa nor a supervisor would make any adjustment.

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LouisMastic Beach, NY

Reviewed Dec. 7, 2008

This is regarding a hidden and unexpected finance charge on a billing statement.

I have been more or less content with my credit card with them since 2006 and usually paying in full. My September statement was paid in part by the due date and the remainder of the balance was paid one day later. For that I paid $23 in finance charges on the October statement which I paid in addition to October's balance a week before being due. At this point there was zero balance before the November activity. However I discovered another finance charge of $7 in November's statement. I called Chase up to find out why. The first person I spoke to wasn't sure if the charge was an error, but ended up hanging up on me possibly by mistake. I called back and got someone else who explained to me that paying in full by the due date listed on the statement was insufficient for eliminating the finance charge. I thought that was absurd and misleading at best but asked her to explain it to me anyways. Somehow the $23 finance fee listed on the October statement was due before the October statement on which it's printed. She admitted that there was no way I could have avoided November's $7 finance charge from the information I had on the October statement. Ok, but still I pointed out that $7 interest on a $23 hidden balance made no sense that's 30% a month. There must be a technicality I don't understand and she was unable to explain it, but to me it's a scam because I had zero balance going into my November statement.

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LouisMastic Beach, NY

Reviewed Dec. 7, 2008

This is regarding a hidden and unexpected finance charge on a billing statement.

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HalinaLivingston, NJ

Reviewed Dec. 7, 2008

I use the online service for viewing and paying my Chase credit card. I have been a customer of Chase for over 30 years. Over the years Chase has offered and I accepted various low interest balance transfer with repayment for the life of the balance offers. I have paid off previous balance transfers and accepted new offers. The latest was taken within the past two years. I have always paid on time and monitor my account online. A year ago Chase changed the payment due date and I missed the payment by two days since I would always pay on that particular day. After two phone calls Chase refunded the late fee and informed me that this would not be reported to the credit bureau agency and that the 3.9% interest rate would still be effect. I have always paid more that minimum payment. I have been taking advantage of these low balance transfer offers from various banks for over 15 years and everything has run smoothly and I became an expert on how they work. In my opinion, the banks and I both benefited. I have been able to use these loans instead of borrowing against my house. All the banks tell me I am a good customer. I always pay on time. There has never been a negative report by any credit reporting agency except for two errors made by banks which were corrected immediately. After my experience with these two negative reports I realized how potentially damaging it is financially if there is even one potential negative report. Mine were made in error and were corrected within a month. What Chase is doing now is unbelievable. The low interest rate offers for the life of the loan are now being taken away with an attitude of pay off now in full otherwise you will be charged a $10 monthly maintenance fee and your minimum will be raised from 2% to 5%. I have read the various comments from people and what Chase is starting is the same devastating problem that the mortgage variable rates caused. Rather than address the problem and let people pay at the lower rate, the banks instead decided foreclosure was the better option. Chase in effect is starting this same problem where instead of raising the rate itself, they are raising the minimum payment from 2% to 5% and depending on the amount of the loan balance, this will increase the minimum payment due by hundreds of dollars every month. In these economic times where people are losing their jobs and are the financial situation is very scary for most people, Chase is starting the next financial disaster. The Chase representative told me that I was taking more than two years to pay the loan off and that Chase does not have the use of the money and that this is a business decision and the $10 monthly maintenance fee is to cover salaries and other expenses. I am paying interest fees that Chase set and monthly payments that Chase set. In addition, I have a small savings account which is used to make car payments and for other items. The monthly balance in the account is about $2,000 depending on what items for payment are being deducted. The amount of interest that Chase pays me is laughable - it is now .10% - almost 0%. They have use of my money without paying any interest. While I pay interest of 3.9% to Chase for use of their money which they offered to me by constant mailings and online balance transfer offers. Chase set the interest and minimum monthly payment. My decision to take advantage of this offer was based on those facts. Chase has found a way of going around this by charging a $10 maintenance fee (which is usually charged for subprime accounts). The $10 maintenance fee equals an additional $10 interest fee because that is how it is allocated. I intend to pay the balance from my equity line of credit (which is now 2.99%) and I will take advantage of Chase's offer of opening up a checking account with direct deposit and then having Chase put $125 into my account. Of course, I will ask the necessary questions before I open up the checking account. If everything is OK, than in July 2009 after the last car payment is deducted from the Chase account, I will close that account. Since my credit card account and my savings and checking accounts will be closed, I will not have need of Chase's services any longer. So Chase has made a very sound business decision. I will never bank with Chase again. I did the same thing with Valley National Bank after their unethical business practice and I have kept my word. I have never walked into a Valley Bank or even considered taking out a mortgage with them. The same is now with Chase. After this economy recovers, Chase will be soliciting customers again because their business is lending and investing money. With this good "business decision" Chase is turning all future business and creating a financial nightmare for a lot of people which in turn will add to the economic problems that this country is facing. What Chase is now doing is the same as what happened in the Great Depression when banks demanded payments on loans that were made on houses. The laws were changed and banks were not allowed to do that again. Of course, the smart people that run these financial institutions find new interesting ways to ruin people.

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DeborahReidsville, NC

Reviewed Dec. 7, 2008

My husband's bill was not sent for November. They CLAIM it was mailed in November. All of his other bills came as usual in November, but this one did not. By the time I contacted them, a due date of Dec. 2 had come and passed by 2 days and they have already put a late fee on his account. They ADAMANTLY refused to remove it. He has been a card holder for about 9 years and NEVER been late or missed a payment, paying it IN FULL EACH TIME. I learned, the same day, that my daughter did not receive a bill either and when she called, they had done the same thing to her and REFUSED to remove the late fee. I believe that Chase is deliberately not mailing bills out so they can milk late fees from their customers. We cancelled his card, I am going to cancel mine, and my daughter is cancelling hers. They don't care if they lose customers and are seeing what all kinds of ways they can rob the ones who are staying.

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WayneWirtz, VA

Reviewed Dec. 6, 2008

I was sent checks that offered 5.9% until the balance was paid off. I used one to buy a golf car, 2 months later I was informed I will be charged $10 per month service fee ($120 per year) unless I allowed them to change the rate to 7.9% Sounds like false advertising to me, but it's legal. I'll pay the balance as quick as I can and close the account... WATCH OUT FOR CHASE...

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RebeccaManton, MI

Reviewed Dec. 6, 2008

When my husband and I received a balance transfer option in the mail from Chase Bank, at 2.9% we took advantage of it. Our credit limit on our card had just been raised to almost $14,000 and we had various smaller debts at much higher rates. Taking advantage of the 2.9% rate was a great way to save money and consolidate. My husband and I are both very dedicated individuals that pay our bills on time and take pride in being money smart. We own a home and bought a second house as investment property. Needless to say, our credit rating has always been pretty good. Let me point out also that the credit limit on our Chase card would not be almost $14,000 if we were poor customers, guilty of not paying our bills regularly. I keep all of our bills in the same location, and we go through them every couple of days to make sure nothing is late or in need of being paid. On October 2nd, my husband said to me, I'm glad you paid the Chase bill, I don't see it in the bills. I stopped, and thought about it, went through the bills and said, I haven't paid a Chase bill recently. I went right online that minute to discover that my bill was due the day prior, on October 1st. My husband called, and talked to a customer service representative and explained to them that we never received a bill, and only figured out it was due the day prior from getting online. First and foremost, keeping our interest rate was first in our minds, as that was the purpose of consolidating in the first place! The representative told my husband to pay the bill and then he would talk to him about the interest rate. After several other phone conversations with other representatives, he paid the bill. He was told to give it a couple days to post. He called back 3 days later and they said, SORRY! Can't do anything about your interest rate Needless to say we are very angry, and feel they purposely did not send a bill out in an effort to trick us into having a late bill. Our interest rate went from 2.9% to 20.99%!!!!!!!!

We have contacted a lawyer, who felt they had wronged us and wrote a letter on our behalf. Chase denied getting the letter for weeks, and then finally said, yes we got the letter and nothing is being done about it. Unfortunately, we are dealing with Chase Bank, and we don't have the unlimited financial means to take them on in court. I keep hearing from others who have had conversations with Chase representatives and are being told they cannot afford the low interest rates they offered. I cannot afford the high interest rate they have now given me. I just don't feel it is fair to treat customers this way at all! Recently I received a letter from Chase, telling us they are sad we are not getting their statements. They even ask us to check with our local postal services regarding the matter. Let me say we have never had a problem with our mail, getting or sending it. The bottom line is they didn't send the bill in the first place!

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VickieSan Diego, CA

Reviewed Dec. 6, 2008

I've had a Chase acct. since '06, with a due-date of 14-16 each month. Chase CHANGED MY DUE DATE TO THE 9TH.

Since my statement arrived at the same time, and I pay my bills on time every month, I had no reason to expect the due-date for this account to change. When I saw a late fee on my account, I called to find out why. Despite the fact that I had a mid-month due date for YEARS, Chase said they can change my contract terms at any time. They claim notified me of the change when my statement arrived. The claims representative snidley commented, You do read your statement, dont you?? For the record: Im a AAA+ customer. I have a 760 credit rating, own a home, and haven't been late on anything to anyone for 20+ years. Chase upped my due date by a week, and then accused me of being late (by one day)? I've incurred late fees, AND my interest went from 0.99% to 22%. I'm confident it is because I have a 15K a balance at .99%, my account was chosen for a new due date. They offered no reason, no criteria for why I was selected for a new due date. Only that my previous interest rate was no longer available. There is NO co-incidence here. The answer is NOT to give Chase electronic access to my checking account - Do these guys seem like someone who should have electronic access to YOUR bank account? Ill be writing to all state and federal authorities, and contacting others with similar experiences. I am willing to serve as lead plaintiff should your org. pursue a class action. Please contact me directly at vthearne@yahoo.com.

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JuneTomball, TX

Reviewed Dec. 6, 2008

Same O same O! Just read the other reports, I'll be glad to give all my print outs from my online banking to an attorney. I can not believe there is not a class action against this bank already. I for one am going to do all I can to see that someone, if not Consumer Affairs gets involved for all of us! Consumer Affairs needs to get busy before Chase Bank rules goes into effect for Washington Mutual Bank. My 89 year old Mother's life savings is there and I do not want her to have to deal with her savings being stolen! Hopefully we can get her's transferred to a new bank before they change the rules. Also J.P. Morgan is trying to sale! That makes a lot of sense. I think they know their days are numbered. Some one needs to go after them before they get away with stealing peoples money. Seems someone with Consumer Affairs could see what's going on here. PLEASE DO SOMETHING. I started printing all of the complaints 10 minutes ago and my printer is still printing! No it's not a slow printer. You also should think about the people that do not have the knowledge to come to you with a complaint. I bet millions! Come on now get the word out and let's go after these people. Is it really that hard for a judge to order their hard drive from their computers to see what we are talking about here! For example (Martha Stewart). The changes they make are absolutely unreal. They actually changed the dates on some of my debit payments to another date then what was online print out for my account. Then when I contacted the corporate offices about the payment, they gave me a different date that the payments were made. Make sense? This caused all of them to have insufficient charges. Instead of having one then caused me to have 8 or nine against my account. Their excuse was that they pay the large one first and could not tell me why they payment date had changed for the smaller debits. Are we really going to have to start putting our money into our walls or into our ground again? Please give us answers. We are waiting. I will be sending out emails to others. I suggest anyone else having problems to do the same. Let's all hope we can get enough people to come here and complain. PLEASE LISTEN!

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DouglasBryant, AR

Reviewed Dec. 6, 2008

I just received an important notice regarding changes to your account in my latest credit card statement from Chase. As of January 2009, they are adding a 'new Account Service Charge of $10 per month' which will be applied to my account. In June of 2005 I accepted a $10,000 balance transfer from Chase that promised an interest rate of 3.99% until the balance was paid off. In October of 2005 I accepted another offer from Chase for a $1,000 balance transfer this time with a promise of 4.99% interest until the balance is paid off. I have never been late paying these loans, have not gone over my limit or done anything to break their rules. In the notice it states that 'These charges are finance charges and are added to the balance for purchases to your account.' The explanation I was given by a customer service rep was the the economy is now in the tank and the bank is losing money on my credit card account. Chase has also raised my minimum payment amount from 2% to 5%. My only option is to close the account and pay the balance in full (around $5,800) If not paid in full I will be charged the $10 per month additional service/finance charge and will still have to pay a 5% minimum payment. They verbally gave me one other option to accept a 7.99% interest rate guaranteed for 3 years after which the rate would be the prevailing interest rate. If I accept the higher rate they will not charge the service/finance charge or raise the minimum payment.

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MichaelSwannanoa, NC

Reviewed Dec. 6, 2008

I just received my Chase Bank credit card statement in the mail on 12-05-2008. When I opened it I was shocked to see an amendment enclosed stating important notice regarding changes to my account to take effect with my January 2009 statement. A new Account Service Charge of $10.00 monthly will be applied to my account. Also the minimum payment due will increase from 2% to 5% of the ending balance on my monthly statement. I want to reject these new amendments and pay off my balance at the locked in promotional rate that I currently have but was told that if I rejected the new plan that I locked in rate would go to 7% for two years and then the current rate. What can I do about this legally?

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GeorgeFpo, Other

Reviewed Dec. 5, 2008

Our records indicate that the account ending in 1426 was

closed due to fraudulent activity and the new account ending in 0945 was opened. However, this account was closed as there was no activity for over 18 months. Unfortunately, we are unable to reopen your account. We regret any inconvenience caused.

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JohnFrandview, WA

Reviewed Dec. 5, 2008

EXTORTION by Credit card company. I will keep this short, please help if you can....

Chase sent me a notice of change to my account, Added a yearly service fee and increased my minimum payments to 5% of outstanding balance. This was on an account that had NO ANNUAL SERVICE FEE and on balance transfers with FIXED INTEREST UNTIL PAID OFF. When i call them they told me they would drop the proposed changes if I aagreed to a 3% increase in my interest rate on the fixed until pay off balances. That is extortion, in my opinion, since they wanted to make changes that they knew I could not live with and insisted I go with the increased interest rate. here is a page detailing other instances of the same situations.....PLEASE READ http://www.consumeraffairs.com/credit_cards/chase_credit_cards.html Thank you for any help you can provide. John H

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ErinNorth Hills, CA

Reviewed Dec. 5, 2008

I have had a credit card since 2001. I have not used it and paid it off in July 2006. I built 5 years of good solid credit on that is now gone. I kept this card for emergencies only. The credit limit was built up to $4000 within the 5 years and now it is gone. WHAT IS THE POINT OF TRYING TO ESTABLISH GOOD CREDIT WHEN IF YOU DON'T USE IT THEY TAKE IT AWAY WITHOUT LETTING YOU KNOW??? WHAT A HORRIBLE WAY OF DOING BUSINESS!!!! I have another card and asked them to at least increase my limit on that one for good faith and they wouldn't even do that. I worked so hard to get my credit where it is and they can just do what they want and I have to start over?? IT IS A BUNCH OF CRAPOLA!

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MartinQuincy, MA

Reviewed Dec. 5, 2008

For several years I have been carrying balances of over $10,000 on two Chase credit cards. The interest rates I accepted were very low, varying from 2.9% to 4.9%, which were described as for the life of the loan. The for the life of the loan language is why I transferred these balances onto the cards.

I have ALWAYS paid my minimum payments on time, but in spite of this, Chase has just changed the terms of the agreement: they are not raising the APRs (they claim they are unable to do this, even though the murky fine print seems to give them the right to anything they want, which I find outrageous), but they are making the minimum payment go from 2% to 5% and they are imposing a monthly $10 fee. They will give me the option of keeping the minimums at 2% and avoiding the fee ONLY if I agree to an APR increase to 7.9%. To me, this seems like fraud, and the worst kind of manipulation. A monthly fee is equivalent to raising the interest rate, and the higher minimum is simply designed to coerce me into accepting the higher APR.

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RichardSeymour, CT

Reviewed Dec. 4, 2008

July of 2007 I bought my son a toy @ Toys R US, Chase offered 10 percent or so if i opened up a Credit Card with them. I did & made the purchase. $381.59......Time went on & Chase unbeknownst to me sent the card & I guess the bills to my address of 32 years 10 Angell Avenue Shelton,Ct.06484 one town over from where my wife & two children reside now in Seymour,Ct.06483...I received a call from Chase about the bill in July 2008....I immediately explained the above & made the payment from our online bank. The representative explained that Chase was waiving the fees because they had my info incorrect. This past Monday we received a call from Chase stating I now owe 407.00 in late fees. American Express lowered my credit limit from 17k to 2k because the mess Chase created. I did not get anywhere with three of their supervisors & have a call into the Customer Service MGR. who is yet to return my call.

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RonaldRiverside, CA

Reviewed Dec. 4, 2008

Earlier this year (2008) I responded to an online offer through Amazon.com for a Chase Bank Credit Card. I never received an actual card, but apparently the account was activated and several purchases I made from Amazon (less than $100) were charged to that account. Several Months later I received a bill from Chase via US postal mall for $504. I called the Chase Customer Service phone number, was referred to fraud investigation? and told by the person I spoke with there, that I would not be held accountable for payment because I had never received, hence never activated, the credit card. I was told that the card would be cancelled and a new card would be sent to me. Neither of those things happened and I continued to be billed in ever increasing amounts based on late payment? fees and interest accumulation at 27.99%. As Chase had not done what the customer service representative said they were going to do, I sent in payment of the $504 with a letter explaining the situation and asked to have the card cancelled and an accounting of specific charges with a refund for any that were found to be in error. That did not happen, instead I received yet another bill this time in the amount of $94 (presumably in more late fees and accumulated interest, though that was never spelled out). Being thoroughly disgusted with what was either total incompetence or possibly even fraud at Chase Bank,

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DonaldBoulder, CO

Reviewed Dec. 4, 2008

called in to chase on 12/04 at app. 11:15 a.m. to question the new policy of an automatic monthly additional fee of $10 on my account PLUS AN INCREASE OF THE MINIMUM PAYMENT FROM 2% OF THE BALANCE TO 5% beginning in Jan. I carry a $15000 balance so the increase is outrageous. 13 year customer..never missed or late....just made chase steady money. I was told I can either accept these conditions or pay off balance in full now...or.....I can transfer the balance to an 8% rate good till 2011 but with the lower% min. payment......In my opinion this is just blackmail.I can understand an increase from 2% to 3 or 3.5% but an increase of 250% in size with no cause is criminal I believe.

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PatsyRemsen, NY

Reviewed Dec. 4, 2008

For no reason Chase sent a notice that as of Jan. 01, 2009 the minimum payment would increase from 2% to 5% and there would be a finance charge of $10.00 a month on this account. I always paid more then the minimum amount do and never late. This is completely unfair and should not be allowed.

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KathyKamuel, HI

Reviewed Dec. 4, 2008

Two of my three credit card accounts with Chase Bank have balances at a fixed 2.99 rate. I have just received the notice in the mail of a monthly $10 fee being added on each account and doubling the minimum payment. When I entered into a contract with them to do the balance transfers, I did so under the terms presented to me at the time, and was never advised then that they could arbitrarily add extra fees, raise minimum payments, or raise interest rates. I would never have entered into a contract with them had I known they could do so. I have borrowed hundreds of thousands of dollars over the last ten years from them, never a late payment, frequently paying more than the minimum, and regularly being contacted by them to expand my business with them. I feel their behavior is unethical and not according to the terms of the original contract. Furthermore, if they can charge this monthly service fee, why is it selectively applied to those accounts with low interest rates, rather than across the board, to all accounts? This selective enforcement is not fair or just, and penalizes those of us who did business for years with Chase in good faith that they would also conduct their business with us in a like manner.

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TaraTacoma, WA

Reviewed Dec. 4, 2008

I have been a Chase cardmember holder for 7 years now. I have always paid my payments ahead of time and always a larger amount than due. I have also paid my card off entirely twice throughout the time I have had my card. I just received a notice that Chase was closing my account, not because I have a history of late payments, not because I have ever paid them late, they state three things:

1. total available credit on bankcards is too low; 2. average length of time since bancard(s) opening is too short; and 3. too few open accounts with time on file greater than 24 months.

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DebFairview, TN

Reviewed Dec. 2, 2008

I have had a perfect credit record for 25 years as I pay my debt off entirely every month. I made the mistake of signing up to receive a Chase Bank credit card for the seeming decent rewards. Little did I know that I would be dealing directly with the devil.

I received my card and began using it and a month passed and I did not receive a statement from them. I called to inquire why and when my payment was due. It was necessary for me to pay it before I left for vacation. The customer service rep ensured me that my payment was not due until I returned from vacation two weeks later. I relaxed and went on vacation, running up the charges on the credit card. When I returned from vacation, I still had not received a bill. So, I logged onto the website only to discover that there was a payment due and there were late fees and horrendous finance charges assessed to my account. In utter disbelief, I called to get this straightened out and to possibly get the fees removed this once and promised that it would never happen again. Since the mixup was not exactly my fault, I figured they would empathize and give me one chance as a new customer. NOT ON YOUR LIFE!!! The person I spoke to said 'no'. The manager I spoke to said 'no'. I called to inquire the next day again, because it just seemed so unfair. Same responses. 1. I never received a bill. Apparently, the account was set up to receive online statements (I'm still unsure exactly how that happened). 2. The customer service person gave me the wrong information about payments. NEVER TRUST WHAT THEY SAY ON THE PHONE!!! Even if you get a name or rep number, it doesn't matter. They don't care what anyone else may have told you. 3. No consideration given for great payment history. They just want to take your money any way they can get it...even as they make the errors...you must pay. Now all that said, I paid them off and canceled the card. I lost all of the rewards built up over the couple of months I had the card. I paid off their stupid finance charges and yet there was one last bill that arrived with MORE finance charges. I was in shock! Even though I paid off my last bill in full two days before the payment due date. They had the nerve to send me another bill with additional finance charges accrued. I thought I was done with this spawn of the devil company and could not understand this additional finance charge they were sending to me (total of around $100). I called to get an explanation. The girl told me to go and read the literature that was sent with the card if I didn't understand it. I told her that it was her job as a customer service representative to explain what I did not understand about the fees. She hung up on me. I was in utter disbelief! How do they train their employees? Is this what they call service? Holy cow! Anyway, I call right back and get a different person (thank goodness) and she was very nice and explained it to me. Apparently, the finance charges run into two different billing cycles. Even if you pay your entire bill in full on the due date, they find ways to get more money from you by extending their cycles into a different cycle than your billing dates. This is a very sneaky method of making money off of innocent people. I would like to encourage anyone out there who is considering Chase Bank for any banking need, to not be swayed by their dangling carrots. Because their banking methods will come back to bite you when you're not looking. They get you in the door and then they will suck you dry. I've dealt with other banks and they are courteous, considerate, and HUMAN. Just know, there are better companies to deal with, even though they may not offer you wonderful rewards and sweet initial deals, they aren't worth it in the long run (or in my case, the short run since I held the card about 2 or 3 months). Just don't do business with them.

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WilliamHilo, HI

Reviewed Dec. 2, 2008

1.) I've always paid my Chase credit

card EARLY. 2.) I've always paid MORE than the minimum due. Unprovoked, Chase has slapped a $120.00

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ShannonFarmington Hills, MI

Reviewed Dec. 1, 2008

I have always paid my credit card online using the Chase website and right before the THANKSGIVING HOLIDAY I got a payment returned. The confirmation email I received from Chase gave no indication as to what went wrong with the payment. I tried again and again got hit with a returned payment fee AND late fee.

I called the Monday after the holiday weekend so I could make a valid payment, but customer service said I had been trying to pay from an old checking account and they have since closed my card. Within a week my year's worth as a paying customer has been dismissed without notice! I am a student and horrified with what this is going to do to my credit score.

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JoeSeattle, WA

Reviewed Dec. 1, 2008

re. this article: http://www.consumeraffairs.com/news04/2008/03/floating_due_dates.html

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DianeBatesville, MS

Reviewed Dec. 1, 2008

Chase Card Services Cancelled my card for the same excuse on most of your complaints. They alledged non consumer use and I also paid my balance monthly. They alleged that I upon review of my account usage that they believed that my BP Visa card was being used in a manner inconsistent with my Chase Cardmember Agreement and also due to the level of gasoline purchses associated with the account indicates that the card is being used for non consumer purposes

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AnneSylva,, NC

Reviewed Dec. 1, 2008

I have had a promotional rate with Chase and have always paid my bills on time. There are mulitple complaints just like mine on this site. I have received a notice that the minimum payment will increase from 2% to 5% of the unpaid balance and they will now be charging a service charge of $10/month. For What? This should not be allowed. There needs to be some type of regulations of these credit card companies. I don't know how some families are going to do this. They are discriminating against those of us who do pay our bills on time; trying to re-coop their loses for the bad loans that they had made. They issue people credit cards that have no way of ever being able to paythem back such as those without jobs, students, etc. knowing quite well they cannot pay them. They prey on them. My child is a full time student without any sourse of income and receives at lease 2 notices per week to open a credit card. This is crazy. Regulate these companies. What they really need is to have a class action suit filed against them. If there is one already going, please let me know.

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ColbyGardendale, AL

Reviewed Nov. 30, 2008

I received an important notice regarding changes to your account? in my Chase credit card statement. I have had this card many years and I have carried a balance with 2.99% promotional rate for the life of the balance. I have always paid my bill on time. I have a second Chase Card that had a promotional rate that was paid off two months ago and I have a fixed rate mortgage that has been paid on time for 5 years with only 4 years to pay it off (10 year mortgage).

My Chase Master Card notice told me that starting Jan. 1 they would apply a 10.00 service fee monthly (which I can live with that but I don't think it is right). The second part was a new min. payment which will be 5% of my balance. My min. payment will go from $150.00 to $350.00. When I spoke to the Chase customer service rep, he said that the higher min. payment would help me to pay it off quicker. I didnt want to pay it off quicker. I felt like Chase made an agreement with me to provide a no fee credit card and offered 2.99% balance transfer for the life of the loan. In the notice it says the $10 per month service fee is a finance charge which is of my current $19.20 monthly finance charge. This is where I feel lied to and cheated by Chase. I asked the rep about the other Chase credit card I have if they were going to apply the $10 service fee and he said no. The Chase rep said the $10 service fee (finance charge) only applied to cards that carried a low promotional APR. This is very odd that one Chase Card will not have a service fee and the other card has to be paid in full, the account has to be closed and I will have to terminate my account relationship with Chase to avoid a $10 monthly fee on one of my two Chase cards. He told me there were alternatives. He said that I could take the higher interest rate of 7.99% instead of 2.9% that I already have (which is one of those until the balance is paid off at the 2.9 % interest rate, unless you miss a payment). If they don't raise the interest rate, they plan to make it so difficult for me to make the payment in hopes that I will default and have to pay the higher interest. If I decided to take the 7.99% interest rate it will only be for 2 years and they will forgive the monthly 10.00 service charge. They will also let me continue with the 2% of my balance instead of the increased 5%. Now it seems interesting to me that they will forgive the service fee and the min. payment amount if I pay the higher interest rate. I told the rep that I thought Chase was a low down liar and he should be worried that he will have a job with a company that lies about agreements. It seems to me that they are trying to put the squeeze on people so that they will have to pay the higher rates and get out of the low interest for life of the balance. That is dishonest. I plan to pay this card off and terminate my account relationship. I feel that my personal investment accounts have been damaged by these unscrupulous bankers that want the US Government to bail them out from their bad decisions and now they want me to pay for their mistakes. I wanted my complaint to be heard for others to be aware.

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LoriLogan, IA

Reviewed Nov. 29, 2008

I have had a Chase/BP card since 06 and now have had it cancelled due to supposedly not using the card as they see fit. I had no notice that they were going to close the account. I went to use the card and it was denied. I pay this card off in full every month, have a large credit limit, and every year have received my rebates in form of a check around Christmas. I have $1208 in rebates that they now refuse to honor based on what they feel is too much use of fuel. Talking to them didn't resolve anything.

It didn't do us much good to be a loyal, paying customer for the BP brand or a customer of Chase when they can just decide to pull our account for no reason except in my mind to save themselves paying out the rebates to loyal customers.

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JamesColumbus, OH

Reviewed Nov. 29, 2008

I just received my Chase Bank credit card statement in the mail and was shocked when I opened it and found the important notice regarding changes in my account. These were major changes due to take effect in January of 2009. There would now be a $10 a month fee plus the 2% minimum payment would be raised to 5%, which would raise our payment from $600 to $1500. When I asked the call center manager how she could help me, she said she could offer me a 7.99% interest rate to keep the minimum payment at 2% of the balance. Right now I have a 5.13% fixed rate.

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JeremySomerset, WI

Reviewed Nov. 28, 2008

Opened up a BP Visa account because of the rewards program. When you have 3 vehicles and a boat and family all over the place that you visit a lot, it made sense to get a card that give you rewards for using their product. Went on vacation out east and spent $2500, most of which was gas at $4 a gallon. Earned quite a bit of rewards since opening in April. Tried to buy gas earlier this week and was denied. I use this card for everything from gas to groceries to Dr appointments. Called the customer service people who said i needed to be transferred to the business department and they would be able to help me because i was obviously using my card for business expenses. I was on hold for 50, yes 50 minutes until a girl answered and said somebody gave me the wrong number. I then called back the customer service people and wanted to get a reason why they never contacted me about this and Margaret was completely unsympathetic to my concerns and said there was nothing they could do since it was already closed. Mind you i pay my entire balance every month. I then called back a third time to try to cash in my rewards that i had saved up. it was only $120, but $120 that i had earned and the supervisor told me all rewards were forfeited when an account was closed, whether i did it or them. I thought that was stealing since they took something that i had earned and wanted to know why i couldn't get them. He said those are the rules. I then asked if i was going to have to file a law suit to get it and he then said to do whatever i had to but i wouldn't win due to their card member agreement clauses. Something about they can change any rules whenever it benefits them. I hope there is a class action suit against this company and so we can finally get some accountability to these big corporations who think we are idiots. I would like to think that Vice President Elect Biden's son would help out Mainstreet like his dad is claiming to want to do since he works there. Is there anyone out there who thinks this would be worth it? Thanks for letting me vent!!

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CinthyaNyc, NY

Reviewed Nov. 27, 2008

I am a Chase customer and reading the posts I was encouraged to write.

Yes, they have messed up a few times and always apologizing and refunding my money, but this time was way too much!!! I traveled to Sao Paulo Brazil, and I am here writing to this board, and before I traveled I went to Chase branch in Long Island City in NYC and I wanted to confirm that my so expensive trip to south america would go flawless!! So this ignorant, Omar X. Sharif, yes this is his name, guaranteed me that I would have no problem using my Continental Airlines Debit Card from Chase/Mastercard. I was not able to use my card so far, have been humiliated a few times when ther store managers look at me and say your card was rejected and I have been borrowing money from my family. On top of everything, Chase closed ALL CUSTOMER SERVICE for Thanksgiving!!! Im mean, how many employees do you have and how many customer do you have to assist? It is not my business if you need to pay someone a litle more for the holiday but keep ASSIStING YOUR CUSTOMERS THAT ARE IN ANOTHER COUNTRY, NOT ABLE TO GET THEIR MONEY!!!!!!!! I will look into a LAW SUIT when I return next week to NYC.

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MarshaOcala, FL

Reviewed Nov. 26, 2008

I had a Chase account for many years but had not used my card for several years because their interest rate was much higher than another card I had. In mid-October 2008 I received 4 checks from Chase to use however I wanted, two with 0% fixed APR until 4/2009 and two with 3.99 fixed APR until the balance was paid off. I needed some extra money for some unexpected expenses, and on November 21, 2008, I used one of the 3.99% checks and deposited it to my bank account to avoid an overdraft fee. On November 25, 2008, I received notice from my bank that Chase had declined the check and I was charged $5.00 for the return check. I called Chase and spoke with an account manager and was told that they had closed my account on November 11, 2008 due to inactivity. She told me they had sent me a letter to that effect, but I have never received it. I asked why, when my account had been inactive for 7 years already, would they send the checks out for me to use and not at least wait until the checks expired before closing my account. She said they would be glad to re-open the account, but would not honor the check they had already refused. I will never open another account with Chase.

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LoriCincinnati, OH

Reviewed Nov. 26, 2008

I received a letter from Chase upgrading my credit card to their Visa Signature Card. Then shortly there after I received a cancellation notice due to excessive gas purchases on the card.I have had this card for 15 years and never changed the useage of the card. It has been paid off each month, on time. I feel this cancellation is unjustified and is only being done so that Chase will not have to pay the 5% rebates on gas purchases that they are marketing the card toward. This is false advertisement..Bad business practices.

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GrantAliso Viejo, CA

Reviewed Nov. 26, 2008

I HAVE A PERFECT PAYMENT HISTORY FROM Aug.2006 THRU JULY 2008. I AVERAGED OVER $70.00 EACH MONTH ONLY REQUIRING A MINIMUM PAYMENT OF LESS THAN $35.00. I DID NOT RECEIVE A STATEMENT IN AUG. 2008 WHICH REQUIRED A MIN. PAYMENT OF $124.00.(aug.2008 online statement retrieved10/30/2008). I have received all other mail which leads me to believe their computer system had a glitch, my statement was enclosed with someone elses, got ate up by their processing equipment, or this is a deceptive practice they use to negate a cardholders promotional incentive when they are close to fulfilling their obligation. I recieved my Sep. Statement which said I owed $124 + a $35 late fee becuase they didn't get my Aug. payment. So I sent them $159 on Sep. 7th to close out the acct.!!

So thinking the acct. was now at $0, I saw no reason to open up my mail from them, I wasn't useing the card.. Then I get a call from them on Nov. 24th, saying they add an additional $567.00 to my account for a deferred promotion period from Circuit City. saying that I owe them $565 for finace charges, and now another late fee. Because I didn't close the acct. out on or before Aug. 20th, 2008! Which nothing was said on my Sep. statement about any of this!! I called their 800 customer service no. on Nov. 25 2008 with no satisfaction. I was only transferred around and disconnected once. It appears to be totally out of line to charge $565. for being 17 days late. With payment after averaging over $70.00 each and every month for almost 2 years.

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MichaelCentennial, CO

Reviewed Nov. 25, 2008

United Airlines/Chase ran a promotion whereby, if the user spent a certain amount by the end of October, they would earn extra miles on United. I signed up for the promotion and, rather than using my business card, used my United Visa. While I ran up a substantial sum on my card, Chase decided to move my payment date up which we didn't realize until we went to pay the bill online. Our payment date has not changed in 8 years until then and I see no reason for it to change now except that they had induced me to increase my card activity by quite a bit and wanted fees. When calling to complain, they informed us that the previous bill had contained a note in the fine print about the change under Important News which, in a normal month just has information about other promotions and not about changes to due dates. It seems a bit more than unethical to me.

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JeffreyOrlando, FL

Reviewed Nov. 25, 2008

Like the others, my low interest credit card was jacked to a 29.99% default rate being less than a single day late. They have a floating due date scheme.... WATCH OUT! I thought this was just computer automation and that a friendly phone call to customer service would sort this out.... WRONG! They did not budge. I immediately paid the account in full and requested they close the account! My guess: take people who have been paying regularly and make BIG BUCKS in fees and excessive interest...all on a technicality......

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VirginiaRoanoke, VA

Reviewed Nov. 25, 2008

I received a notice in my credit card statement (which most people I am sure don't read) it was speaking of the NEW policies for my credit card. I have had this card since 1993 and have carried a pretty big balance since I have used it for my sons tuition and some medical payments. I have always paid my bill on time I pay more than the min. payment. My notice told me that starting Jan. 1 they would apply a 10.00 service fee monthly (which I can live with that but I don't think it is right) The next part was a kicker for me. My new min. payment will be 5% of my balance. My min. payment will go from 199.00 to 400.00. When I spoke to the young lady she said that the higher min. payment would help me to pay it off quicker. I told her that, that payment would be so high that I would have a hard time paying that. I asked her if there were alternatives she said that I could take the higher interest rate of 7.99 instead of 4.9 and 5.9 that I already have (which is one of those until the balance is paid off that the 5.9 % interest rate, unless you miss a payment) So I guess they don't raise the interest but they make it so difficult for me to make the payment in hopes that I will default and have to pay the higher interest. If I decided to take the 7.99% interest rate it will only be for 2 years and they will forgive the monthly 10.00 service charge. They will also let me continue with the 2% of my balance instead of the increased 5%. Now it seems interesting to me that they will forgive the service fee and the min. payment amount if I pay the higher interest rate. I told the young lady that I thought banks were going to try and help consumers and it seems to me that they are trying to put the squeeze on people so that they will have to pay the higher rates and get out of the low interest for life of the balance. That is dishonest. I am going to try and get a loan from my credit union so that I won't have to deal with credit cards but until I get this resolved I wanted my complaint to be heard. I will be happy to talk to anyone about my concerns. I have been a good customer for many years and I am getting penalized because the banks have not been wise over the years so I guess I have to pay their penalties, while the people who have defaulted and received penalties are getting extra help. It seems to me that paying on time and having good credit is a detrament these days.

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JasonGermantown, TN

Reviewed Nov. 25, 2008

I have three credit cards with Chase Manhattan. I use one as a backup in my wallet. Recently, I was sent a letter, saying that they were closing the credit card in my wallet, thus reducing the amount of credit available, and lowering my credit score. 2nd, on one of the other credit cards, I am carrying a balance with 0% finance. I paid the bill electronicaly 3 days before the due date. I get my credit card bill in the mail, showing they received it after the due date, automatically increasing the APR and then charging me a late fee.

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StaahlRedlands, CA

Reviewed Nov. 25, 2008

Late October I received an unsolicited balance transfer offer VALID TILL 12/22/08 from Wamu Bank, Henderson Nevada pertaining to my HSN Providian credit card having a credit line of $15,000.

On 11/19/08 I deposited one of the balance transfer checks into my checking account AFTER looking up the available balance on the credit card's online web site to make sure it was enough to cover the check amount of $14,500. On 11/24/08 I find that the deposit of $14,500 has been reversed from my checking account leaving me with a negative balance. Calling up the credit card company which is now JP Morgan Chase I was told that my credit card account was closed on 11/14/08 due to inactivity and there is nothing that can be done now and that they regret the inconvenience caused. I was NEVER informed of their intention to close my account and even today 11/24/08 the credit card web site shows that my card has an available balance of $15,000 and NO indication that the account is closed.

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TomRochester, MN

Reviewed Nov. 25, 2008

I have a BP Visa card from Chase. It provides a 5 cent refund on BP gasoline purchases. I have 4 family members on the card and we use it strictly for consumer purchases. I pay off all my account balances in full each month and it is the only credit card we use and it is used for all types of consumer purchases and not just gas. I received a letter from Chase stating the following:

Based upon a review of your account usage, we believe that your BP Visa card is being used in a manner inconsistent with your Chase Cardmember Agreement. The level of gasoline purchases associated with your account indicates that the card is being used for non-consumer purposes. Your Cardmember Agreement states that the account is a consumer account to be used only for personal, family, or household purposes. As a result, your account is being closed.

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TraceyWest Hills, CA

Reviewed Nov. 24, 2008

Chase raised my APR to 29.99% after I went over my limit. The rate jumped from 13.99 in just 1 month. I think this is usury although Chase rep explained that thier right to raise the interest rate is contained in my cardholder agreement. I'm sure it is but this is just disgusting. And the banks are asking for bailouts from the US Gov't. Horrible!!

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RichardLynn, MA

Reviewed Nov. 24, 2008

I have had a Chase card since 2005, the card was a no Annual Fee Card I just received notification with my last bill that effective January 2009 my card will now carry an Account Service Charge for $120.00 annually and be billed at $10.00 monthly whether or not I use the card.It will be billed as a Finance Charge. The credit limit on the card is $21,700.00 and the current balance due is $11,800.00. Additionally my monthly payments were on average $235.00 monthly. I have never missed a payment since opening this account. I have credit scores well into the 700's. The new rules will increse my monthly payments from $235.00 (2%) to approximately $590.00 (5%) monthly. Not only are they getting Bail Out money but they are putting there problems on the backs of consumers.

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RogerCoweta, OK

Reviewed Nov. 24, 2008

I took advantange of a balance transfer offer for 3.9% interest for the life of the balance.

I have made all payments required on time and paid more than the minimum required each time and my credit score is above average. Now, with the stock market crash they have added a $10.00 a month service charge on the account just for having the credit card which orginally was a no fee card. The biggest hit is that they are increasing the minimum require payment from 2% of the balance to 5% of the balance. This will raise my required payment from $200 to $500 per month.

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BrianRedondo Beach, CA

Reviewed Nov. 23, 2008

We were victimized by Chase's floating due date scam. For many months our due date was around the 17th of every month. To be green, we do not get mailed statements. We went to pay our bill this month (on time) and we noticed a late fee. We called and learned they had moved our due date up 6 days. We called them and they removed the late fee. We logged in a week later and noticed that they hit us with a hefty finance charge due to late payment. The finance charge was $43. Keep in mind WE ALWAYS PAY OUR BILL IN FULL. We have never carried a balance forward. We called to communicate that this was not our fault and proved that they had never sent us notice. Chase's response was that they put it on a statement. We responded that for more than a year our due date was the same every month so why would we look to see if the due date changed that drastically? A supervisor got on the phone and was smug, unsympathetic, and antagonistic. Chase stands by its practice claiming it was communicated. So in summary, no call was made, no email was made, and no mailer was sent. In essence, for a customer that pays in full every month to avoid fees, they stole money from us.

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RyanDenver, CO

Reviewed Nov. 21, 2008

I have been a United Mileage Plus platinum business VISA holder since August 2006. This account is run through CHASE. I have never made a late payment since I have held this card. I pulled up my account on-line and noticed that I had a late fee of $39 charged to my account on 11/11/08. I had a payment of $3,491.52 due on 11/10/08 and called in advance of this due date to see if it would ok if I made this payment on 11/12/08 and avoid any late fees etc. I was told that this would be fine by one of their agents and that any late fees would not be assessed until 11/17/08 because there is a 7 day grace period. I made the full payment of $3,491.52 on 11/12/08. On 11/18/08 I called and spoke to Curtis Krockett about getting the $39 late fee refunded on my account, and after explaining the situation he said that would not be a problem because I made the payment on 11/12/08 based on the misinformation of one of their employees. Curtis was very helpful and I even called his supervisor, Misty Campbell, that same day to praise Curtis' customer service skills. Around 12pm today, 11/21/08, I pulled up my account and noticed that the charge had not been refunded on my account yet. I called the customer service number and spoke to one of the supervisors where he told me there was no way they were going to refund my account the $39 even though I was (1)told by one of their employees that by making a payment on 11/12/08 I would not be charged any late fees and (2) after their employee Curtis Krockett told me on 11/18/08 that he was going to refund my account. The supervisor I spoke with today was incredibly rude and did not acknowledge that the whole reason I was even put into this situation was because of information from one of their representatives (not to mention told that this $39 charge would be refunded when I called about it). As I noted earlier in this complaint, I have always paid my full statement balance on time and before paying two days late I wanted to verify that this would be ok and I was assured it was. This is terrible customer service and it is quite alarming that this sort of thing would be acceptable. Apparently this company does not value their customers, especially ones who have taken it upon themselves to be diligent in paying their account balances. I also find it unacceptable that they are going back on what I was promised (a $39 credit) by one of their employees (Curtis Krockett) and not owning up to the fact that it was them who messed up. I should not have to pay for the wrong information that was provided to me by their employees and I expect to be treated with much more respect.

Your Desired Resolution: I except the $39 late fee that I was charged on 11/11/08 to be refunded to my account. This case will be reviewed by a complaint specialist at the Better Business Bureau, and then forwarded to the business for their response. It is our policy to allow the business 10 working days to respond to your complaint. You will be notified when the business has responded. What would you like to do next? View the status of your complaint

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RobertSan Mateo, CA

Reviewed Nov. 21, 2008

Took promotional offer cash advance in August 2008. Got $7,700 for a $199 transaction fee. 0% interest thru July 2009. Never received October statement. Never received November statement. Was contacted by Chase Nov 15 and informed of past due payment. I made late payment immediately. Asked Chase to keep my promotional rate, due to not receiving statement. Chase refused, said they have no discretion, and current rate is now 14.99%. My suspicion is that Chase did not mail out statement, and I am making complaint to see if others come forward with same experience and this is a pattern. What really makes me suspicious is that two consecutive monthly statements have not been received.

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BrucePeoria, AZ

Reviewed Nov. 21, 2008

I have had two Chase cards, one for many years and the only one with a balance was the Amazon card. We pay two to three times the minimum and were never late on the card. In October, our payment cycle was 20 days, which we were not expecting and I pay myself monthly out of my corporation. We were one day late after realizing the shortened date and they tacked on a day processing the payment and a $39.99 late fee. When I contacted them last month, they were completely unwilling to reverse the late fee even though we had been long-standing customers. During this past month, I opened a new account with my credit union and am transferring the remaining balance to the new account. I called customer service again 11/20 and told the rep I wished to close my account and when I was referred to the account manager she still refused to consider reversing the fee and was willing to let me take my business elsewhere.

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DanielleHutnersville, NC

Reviewed Nov. 20, 2008

I paid my credit card off in full and I found out recently that they put finance charges on my credit card and then reported me to the credit bureau because I didn't pay it. I moved out of the country to Canada and had all my mail forwarded to me in Canada. I never received the bill from Chase. When I called them they told me that the bill was sent out and it was not returned to them at all. I am not even sure they sent me the bill to begin with. Because, I didn't know I owed money and obviously didn't pay it then they reported it to the credit bureau. They should have at least sent the bill out again so that I could pay it. But, it appears they never did send it out again. I think they did it on purpose so that I would miss my payment and they could charge me again. I am very angry with Chase and I will never ever use their card again.

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HongKaty, TX

Reviewed Nov. 20, 2008

The credit card's October payment of $102.54 was due on 11/11/08. On 11/6/2008, I paid $102.54 on chase.com.

Tonight, when I checked the account, I found out that $102.54 payment never go through, and $39 late fee was charged to this card on 11/12/08. I repay $102.54 online again. Then, I called credit card customer service: 18003236252, and spoke to a female and Michael, explained to them the situation, (I also noticed that Chase made some changes to its payment process recently, I think it is possible that my payment got lost due to the upgrade process.) I asked them to remove $39 late fee for me since I did pay on 11/6/08. Both of them told me NO, and told me to do whatever I can do, but they are not going to give me late fee refund. The female also encourage to close the account. I always pay this accoutn online and before the due date.

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DeborahOsceola, IN

Reviewed Nov. 20, 2008

We received replacement credit cards on 11/18/08. The problem is, we do not have any Chase credit cards and never remember ever having any Chase credit card. I called Cardmember Services 800-945-2000 to ask why these replacement cards had been sent. I thought it might be a clerical error because we have a car loan through Chase bank. I ended up calling three times. Each conversation was more strange than the one before. The first question they asked for is my husband's SSN which I would not give them. That person said she would transfer me to security, but warned me that they'd ask the same question. I waited quite some time before realizing I'd been cut off. When I called the second time, I was asked for only the last four digits of my husband's SSN. I gave the requested information, then explained that we had no idea why these replacement cards had been sent. The representative said the account had been opened in 1987 and the last payment made was on January 16, 2002 - - nearly seven years ago! I asked whether replacement cards had ever been sent to us before. The answer was no. I asked Nancy to close the account and to send us written verification that it had been closed. She said she had already closed the account, but would have to ask her supervisor if they could send written confirmation of the cancellation. When she returned to the line, she said the answer was no. I insisted that I speak to a manager. Roger came on the line and asked me for the last 4 digits of my husband's SSN. I told him I'd already given that information and didn't feel it was necessary to repeat it. I asked if he was Nancy's supervisor. He said he was not, but that she'd told him I wanted written confirmation of cancellation which he was going to help me with. He paused and said, Now, what are the last 4 digits of your husband's SSN?. I gave him the information. He then asked for my husband's date of birth. That put me over the edge. I refused to give him the information and explained the long process I'd already been put through, etc. When I'd finished, there was a long pause before Roger again asked for my husband's DOB. I told him if he insisted on me giving him that information I would have to report the incident to the authorities because the whole situation was incredibly suspicious. Roger then said It's been a pleasure doing business with you. Then, he hung up.

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DavidFort Mill, SC

Reviewed Nov. 19, 2008

chase credit card keeps calling,I called back and told them to take me off list,they told me to answer number, but they call at 11pm after bussness hrs the number is 210-586-0006. called four times today nov18 and nov 17 and nov16,15,14

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HongKaty, TX

Reviewed Nov. 19, 2008

The credit card's October payment of $102.54 was due on 11/11/08. On 11/6/2008, I paid $102.54 on chase.com.

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DougAliso Viejo, CA

Reviewed Nov. 18, 2008

To all future credit card users; Do not get a Chase Credit Card. They have the worst customer service. When you are late, they raise your interest rate without warning. They will ruin your credit. They will cut your credit balance and then charge you an overage before you can pay down the portion above the credit limit. I cannot wait until I pay it off and then rip the card in front of them.

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DennisStaten Island, NY

Reviewed Nov. 18, 2008

All CHASE credit cards that have a purchase balance will see a huge rate increase. Mine went from 11% + prime to 17%+ prime. There are no late payments, over limit or anything like that. That is a whopping 55% jump. Also CHASE credit cards that have a balance transfer on them will see a $10 a month service charge imposed on them. That is $120 a year. WOW. Read the Change of terms notice that came with your Nov or Dec statement. The only thing you can do is close the account with the purchase balance and it will freeze the rate. It's called opt out.

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JosephChicago, IL

Reviewed Nov. 18, 2008

Chase is at it again in forming fraudulant relationships with 3rd party vendors. After loosing the Triligent class action lawsuit, Chase is at again in providing information to 3rd party vendors without authorization from its customers. Chase provided information to shoppingessentials who than charged fees to credit card holders without their knowledge or authorization.

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MargaretPhoenixville, PA

Reviewed Nov. 18, 2008

At the strong suggestion of every newspaper article and TV story, I decided to pay off my credit card. I went to the Chase on-line payment as is my habit. The screen gives you the choice to pay 1) Statement balance, 2) Minimum payment, 3) Current balance, 4)Other amount (under this it states Note: Amount can't exceed the current balance.) I paid the current balance, presuming my account was paid in full. According to their note, it was the largest amount I could pay. The following month I received an email saying I had a Chase statement. I opened it expecting a final thanks for your payment, etc. Instead I found another bill for Finance Charges. I was stunned and called to have them removed as I was certain there was an error. I was told in fact it was NOT and error and I owed that amount in residual finance charges. I patiently explained I had paid the total amount their company asked for and did not consider this a fair business practice. When the representative refused to remove the charge, I sent an email. I got an email back saying it was a matter that needed to be discussed with a customer service representative, please call that number. I feel like a rat on a wheel, spinning around and making no progress.

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DanielBernardsville, NJ

Reviewed Nov. 18, 2008

Opened my bill to pay it this weekend. I get paid on the 15th of the month and pay everything due in the second half of the month all at once. Much to my surprised they moved my due date to 11/9 with no prior notice. Now I'm late, they've charged a late fee and worse, they've jacked my apr up from 0% to 26.4%!!!

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AnnaSun City West, AZ

Reviewed Nov. 18, 2008

On our Visa Account statement this month, there was a charge of $79.00 for RGI CHASE CARD UPGRADE 888-220-3787 FL.

This is a credit card that we have not used for any purchases. Every month we make a payment towards the balance. We neither asked for or requested any upgrade! My husband immediately called to protest this unauthorized charge levied by the credit card company. He was given a conf. # of the cancellation. I feel that this was fraud on the part of the credit card company. Please advise what our rights are in this case? Thank you.

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IdaRosemead, CA

Reviewed Nov. 14, 2008

I have always been paying my credit card every month on time since I ever open a credit card with Chase. My payment due date is 25th of each month, I always make my payment before 25th online. Last month, my payment due date was 10/25/08, so I made my minimum payment $50.00 on 10/05/08 for that month. 10/31/08, when I check my account online, I found out there was a LATE FEE on October statement! I called Chase customer services, they told me that closing date for month of September was 10/5/08, THEY APPLIED MY 10/05/08 PAYMENT to month of September! So on my September statement, it appeared that I PAID TWICE during that month. And they said that was nothing they can do about my late fee since the billing cycle was already closed...I asked them to remove the LATE FEE, since it was their problem. Why did they apply my MONTHLY PAYMENT TWICE TO THE SAME MONTH and CHARGED ME $39.00 LATE FEE AND +24.99% INTEREST? And now they refuse to take out the late fee and insist it is my own fault. They claimed that was because I did not pay in October! WHAT??? HELLO???

Obviously, this is a SCAM to me.

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Chase Credit Cards Company Information

Company Name:: Chase
Year Founded:: 1799
Address:: 270 Park Ave
City:: New York
State/Province:: NY
Postal Code:: 10017
Country:: United States
Website:: www.chase.com