Chase Credit Cards Reviews

Do not get this card! The first time I got this card I used it for its 18 month, 0% interest. I then bought a big item. After about 6 months of making payments (it was the month of December) I never received any statement and forgot about the payment. Of course they refused to work with me, charging a huge late fee and raising my rate to 29%. So I canceled that card and they sent me another one with the same benefits, 0% interest for 18 months, after that 9.99%. Well I took the bait, put a couple thousand into a home remodel. And lo and behold here comes December again and no statement and another late fee. This bank seems extremely shady, and I will never trust them with any kind of money again.

On Feb 8, 2008, I went online to pay my Chase Credit Card (as I always do). It was due on that date. When I entered the payment, I got a message that in order for them to credit my account with a payment for that day I needed to paid a fee. I started to pay it (even though I thought that was wrong). Then I read the statement that said I could go ahead and submit the payment; it would be processed on the next business day, but would be credited as of the date I paid it. So I did that. I got my next statement, and they did not credit my account as of the date I actually submitted for payment.

They have closed accounts for no reason. I would like to redeem our earned rewards. Chase caused my credit score to go down by closing my account for no apparent reason. I have been paying off my credit card acct every month. I would understand if I'm not paying or missed a payment. They have done this also to my brother and my friends. We have been saving those rewards not for them to keep. This is a wrong practice for them to close and account for no reason. I've been calling them, but they give us the run around and excuses.

I have had a chase credit card for a while, with a fixed rate I always paid on time or ahead of time and well above the minimum. When I received my new bill my interest rate had gone up. When we called to find out why they said I had too many accounts. I want to know who they are to tell me how to manage my finances? It is not morally right to do this. I am 61 and it is up to me to decide how to manage my finances not them.

I received a bill from Chase/BP with an overlimit fee of $10.00 and when I called the 1800 # I discovered I was charged another fee for overlimit. I was informed that my credit limit was set by chase and they would increase my limit if approved. The limit was increased by a small amount. What criteria do they use to increase by only $200.00? I think Chase is taking advantage of the increase in gas prices to obtain a profit. The overlimit fee continues from one month to the next with so many days in the billing cycle. This causes an overlap in two bills, even though I was not late in paying my bill and never was. But am still responsible for an overlimit fee.

My wife and I have two credit card balances with Chase. One of the balance is $19,283.57 and the other balance is $5,078.54 as of February 2008. We have never been late on any of our payments yet Chase is charging us 21.99% (recently lowered from 26.99%) interest on the $19,283.57 balance and 21.99% (variable rate-recently lowered form $24.99%) on the $5078.54 balance which is extremely high for someone that has never been late on any payments.

I have been a Chase credit card member way before Chase was even in business. My card was issued 10 years ago through First USA bank, then Bank One, then eventually Chase. For 10 years I carried the same card which earned points that I could use to buy down my AOL internet service. I have always paid my bill on time for 10 years and in full.

I have had a credit card with Chase for about 7 years. I have never paid a day late or a dollar short, with them or anyone else, yet they just raised my rate to 25%, claiming it was because my balances were too high based on my credit report. I have six other credit cards, and they're charging me an average of 10.5%, based on the same reports. When I tried to get Chase to lower the rate, they basically told me that I could either accept it, or cancel the card. Since doing the latter would negatively impact my credit score, it's not an option.

The company charges extremely high interest rates! Not only that, but the company's customer service reps are not very knowledgeable about the company's process of adding a person to an existing card member's account. I went to add my brother to my account, to have a joint account in order to build his credit. I specifically asked the customer service rep if he had to run my credit, too, since I had just bought a home I did not want my credit run again that year. He informed me that he would not need to run my credit, but only my brother's. On the contrary, when I received my free credit report in the earlier part of the year, they did did run my credit when they added my brother. No one would directly answer why this was done. Because of the lack of knowledgeable people, I only use the card when ABSOLUTELY necessary, in order to avoid hassling with Chase.

I checked my Chase Credit Card account to pay my monthly bill, and I had racked up almost $80 worth of charges: three $7.99 fraudulent account protectors, and a $59.95 charge from Trilegeant Health Services or some garbage like that. I Googled Trilegeant and found this website, which says that there have been previous issues. I never signed up for ANY of these things--the fraudulent account protector or Trilegeant Health Services.

Chase added a finance charge even though bill was paid on time and full amount shown by online statement. Contacted customer service who did not listen and instead blamed the problem on me in a rude way. I have always paid in full for the 9 years I had the card. I canceled the account with Chase.

I have had my balance transfer rate reinstated but I'm sure others have not and this was a dirty trick/deceptive practice by Chase. They tripled my interest rate on my balance transfer amount and charge me a late penalty because they changed my payment due date and only notified me the month before. The notification was a small paragraph at the bottom of the statement that I did not notice. It is under a category called Important News but the notice is not highlighted or anything.

Consumers beware: Chase Bank on their credit cards does NOT post payments to first item in, first item out. They post payment to the lowest interest item first I.e. purchases. Then what they have been doing to me is taking the interest on cash advances that was billed and posting it to the cash advance balance. I.e. Charging interest on interest at the cash advance rate! I don't know if this is illegal, but it should be. If this is illegal, are there any attorneys out there that want to start a class action suit against Chase Bank?

I have been with Chase bank for over 5 years and have been a Perfect Customer as they call me. Never 1 late payment and I pay them thousands of dollars of interest I am ashamed to admit for my $16,000 credit line. In November of 2007 I was reading the press release you have on your Website that Chase CEO went before Congress and testified about their suspect Business practices and was pleased to see they were stepping up and stating that they were discontinuing the practice of phishing through Credit reports to raise customers interest rates and will end March 1st of 2008. A couple weeks later I got my notice stating that my interest rate is changing from 12 1/2 percent to over 26 1/2 percent. They didn't care that I was a Great customer they just wanted me to Opt out and close my account or accept the rate the computer gave me. No one could help me unfortunately.

Customer Service indicated to me that Chase raised my interest rate on my credit card account from 7.99% to 20.49% arbitrarily because they didn't like that my credit report shows numerous amounts of credit cards not because I didn't pay my debts on time. I very seldom have late payments, if any, on my accounts from their inception. They say they sent me a notice they were going to do this but we have had trouble receiving all our mail forwarded to us when we moved in October of 2007. I feel this is unfair to me as I have been in good standing on all my accounts and just because they do not like the number of cards I have is too bad when I pay them all timely. Credit companies offer all these big deals but change at their own discretion whenever.

After having my billing for a Chase Credit card set for Email notification, I was sent by Chase a notice of payment on 02/04/2008 for a payment due date of 02/05/2008. The Bank of America could not send this payment until 02/06/2008 which would automatically add a late payment fee to the Chase Credit Card account. I notified them by phone and asked them how anybody could make a payment that fast.Their reply was that I need to make an immediate payment by phone, with charges, in order to avoid late fees. I really feel that this is an unfair business practice which is designed to bring in additional revenue to their business. After all, if you do this for $10 an account times 1 million accounts, it equals 10 million dollars. Not a bad profit for questionable business practices.

I hold two credit cards with Chase. Over the past year, I received notices that unless I agree to an outrageous interest rate hike (on future and current balances), my account would be closed. I have never made one late payment on either of my accounts. Both of my accounts had very low interest rates - first 0% and then 7.9 and 8.9 respectively. I think it is outrageous that Chase is allowed to do this to consumers who have never made a late payment.

Credit card introductory rate was 0% for 12 months. At the end of the introductory period, the rate would default to 9.9%. The original terms of agreement stated that late payments, returned payments and over limits would terminate the introductory rate and default to 9.9%. The payment was missed by 1 week, and the rate defaulted to 29.99%. No change in terms notification regarding the new default rate was ever sent. This is not an issue of losing the introductory rate but rather imposing a default rate that was never accepted. Upon inquiry, Chase then only offered a home equity line of credit to pay off the high interest credit card. This all happened within 6 months of purchasing a home.

My Chase Credit Card expired in July, 2007, and was not renewed; however charges continued to accumulate after expiration including new charges every month for TLG*Everyday $11.99 (or more) and TLG*Travel $119.99--for services that I was unaware that I had. I am 83-years-old and do not travel. My son called Chase in October to get a balance so I could pay Chase off and close the account. He was given a payoff total of over $22,000 which I immediately sent in. However I received another bill for $208.28, which I though was included in the amount I had sent in the large check. My son did get them to stop the TLG accounts, and I do not recall how many years they were on my account before my son questioned those charges. I now owe $337+ due to continued late fees of $39 per month plus finance charges on the $208.28 which I though was paid off.

I went to a Chase Bank and paid my credit card bill in person. It was 2 days late. I had never been late before. The next month, my interest rate had more than doubled. It also took Chase 4 days to process the payment. When I called customer service, they told me I should have paid over the Internet, because that would have been processed immediately. That's ridiculous. I then complained about the interest rate increase. I also asked where in the agreement I accepted did it say that my interest rate could be doubled because of a single late payment. I had accepted one of Chase's promotions for a low interest rate for the life of the loan. No where in that offer did it mention late payments. The customer service rep said that low promotional rates always end if there is a late payment. So I dug thru the promotional material. On an insert that looked like a common ad (not a disclosure agreement) there was a statement that interest rates may change if the terms of the credit card agreement were not followed. That supposedly was the disclosure.

In October 2007 I received a monthly statement from Chase; they raised my interest by more than 7 1/2. I have never been late on any credit card and had this card since 1997. I called to see what steps as a consumer I could take to reduce the interest rate, assuming there was some magical secret number of a balance I could bring it down to, to reduce my interest rate. They said in such a way that led me to believe everything was arbitrary and there were no written set rules, and they reduced my limit, which damaged my FICO score. Since then I have not used the card for any reason other than to pay the balance and have paid the minimum monthly AND the current month's finance charges. Even though the interest rate has not gone up or down, my monthly minimum keeps going up, and my monthly finance charges keep going up month after month. There is no mathematical reason why this should take place. I hate Chase Visa and Master Card credit cards

When a credit card account is closed (i.e. due to loss or theft), automatic bill payments should not be accepted by the CC company and certainly should not be transfered to the new card (when applicable)--especially not over a month later. Closed should mean closed. I would rather have the security of knowing something is over and accept the responsibility of redirecting my automatic payments and any consequences from denied payments (most companies are very reasonable when contacted) than having to constantly monitor my bill like a hawk to see what charges the CC company randomly accepts. There should be legislation barring them from this practice especially when directly requested by the consumer.

I was given an unfair increase in my interest due to a so call late payment. I went on line to pay my chase credit card and I paid it with a Chase savings account. I received a confirmation of payment received and a confirmation number. The following month's statement showed that I had not made any payment the previous month and that I had defaulted on the terms of agreement.

I have been a Chase card holder since Jan. of 1999: same card, same card number. When my card was issued to me, it was under First USA Bank, then Bank One and now Chase. My payment was due on Jan.10, 2008; and for whatever reason it did not get posted until Jan.11, 2008. One day late and they charged me a $39.00 late fee, and on top of that $19.72 in finance charges! I have always paid this bill on time and in full for 10 years...but for some reason this time they got fee happy!

BUYER BEWARE. Chase has got to be by far the most unethical, disrespectful bank that I have ever dealt with. They are greedy and want to maximize their profits at the expense of the consumer. The situation involved my credit card. I was charged late fees, over limit fees, and various other finance charges and fees that totaled $240, in one month. I chose to use their online service to transfer money from my other bank account to my credit card account, held by Chase. Chase charges a fee for this transaction. So my account was over the limit. Chase also charged me an insufficient funds fee. I disputed this and sent them a bank statement PROVING that there was money in my account at the time, and there is no way that the account had insufficient funds. I finally closed the account and paid it in full. But the fees never stopped.

We have been charged multiple late fees on our acct with Chase over the year and a half we have been with them. I found out about most of them when Chase had placed a 30 day late on my credit report. I do not keep my statements and use bill pay, so everything is paid on time. In researching this I asked for all my statements from the begining. I then requested my bank statements so I could check each month. I was horrified at what I found. Month after month my bank shows a payment received on time and Chase shows the payment received the next day and charged me a $39.00 late fee. This has happenend to the tune of over $400.00, then they charge an overlimit fee on top. I had NO IDEA!

I have a credit card with Chase Bank. It was due on 1/17. I get online to pay it at 4:55 PM MST. I am informed by the site that my payment is already past due, since all payments have to be in by 4PM EST. Meaning 2 PM my time. This angers me. But then what the site states next is criminal at best. They said but for a $14.95 charge to my credit card they can process it today.

My husband and I have had our Chase Credit Card for several years. We have always paid our bill on time and for more than the minimum payment. During the recent Christmas holidays, I went over the credit limit, assuming that I would have to pay a fee and that my minimum payment would go up which is all understandable. When I opened my the bill I received after Christmas, I discovered that my minimum payment jumped from $200.00 to $568.00 (for going over my credit limit by $400.00). When I called to inquire, the csr stated, much to my surprise that it is Chase's practice to make the consumer pay the entire amount of the overage at one time in addition to your minimum payment and of course the $39.00 fee.

My social security direct deposit started to disappear as soon as I got a credit card from the bank. Hidden fees and a ghost debit appeared on my statements. I asked for an investigation, no dice, not my problem became their mantra. Just pay it was another saying. I even took the paper overdrafts to the branch and they said everything looks fine. No explanation for who or where my money is going.

Over one year ago, we paid our credit card balance in full. This left a zero balance, and we even verified this with customer services. One year late there is a negative item from Chase on my credit report. They state that we owe them interest money from the time they billed us through when they received our final check. A period of 20 days.

3 months ago I was offered a promo rate of 0% thur 2008. I took advantage of the offered and transfered 8k to the chase credit card. I had been with chase for 9 years and had never missed a payment. During the holiday season I had a payment due on 12/28. I went on line on 12/29 to do an online payment that did not post until 1/3/08. I got my statment and noticed that my rate had gone from 0% up to 28% with a $39 late fee. I contacted chase to discuss and they refused to negotiate, they said that I would have to demonstrate a 12 month payment history before my rate could be removed. I talked to a manager and she said if I'm not happy to just close my account. I took her advise and closed my account and transfered my balance to another lender. The customer service was horrible. Chase was not even willing to discuss or negotiate a competive rate. All parties very rude. I also have a 30k auto loan with them that I will be refinancing to another lender ASAP.

I received a balance transfer offer of 3.99 for the life of the loan from Chase Card services. I transferred my balance and began to make weekly automatic payments to Chase. I have not missed a payment. Chase changed my payment due date, giving me only 2 weeks in a billing period resulting in a late charge and an APR jump from 3.99 to about 19%.

I recently executed an electronic balance transfer from my Discover Card account to my Chase account. The transfer posted today, January 9, 2008 to Chase however it has not yet posted to my Discover Card account and I am therefore showing the same balance in both accounts. As a result, I am now paying interest on BOTH accounts - on the SAME MONEY.

I opened the BP chase card in 2003. My wife and I have put a lot of money on this card over the years, and have paid it off numerous times. In August of 2007, I made an online payment of approximately $6500.00. This was the balance that was reflected on the online statement, so that is what I paid. (Just FYI...I had signed up for the e-statements in Feb 2007 and do not actually recall if I ever received one or not...I always made a habit of checking the balance online). After paying off the balance I never received another e-statement. Today I attempted to use the card and it was declined. Turns out that the balance that I believed I had paid off, was charged a daily finance charge PRIOR to being paid off and a $21 dollar balance was left on the card. Since I was not receiving the e-statements I did not know about the balance. And according to the supervisor I spoke with, because I was signed up for the e-statements, they do not send any notices via US mail telling you that your account has not been paid. They do not call you either.

I have been getting phone calls from representatives of Chase Card Services in India, every hour on the hour, Saturday and Sunday for the last several weeks. Same harassing pattern of calls during the week starting at 8:00 AM. It started with a call expressing concern over a balance transfer I had made with a non Chase account and a proactive attempt for me to assure them that I would pay Chase. All this from a balance transfer.

I transferred a balance on Chase promotional rate of 0% until March 2008 (12 months). I had been making my payments on time but last month I was late because I was in the process of relocating to Las Vegas. Chase charged me $39 for the late fee (which is one of the highest of all Credit Card companies) plus $57.65 for finance charge because the 0% no longer exist if the account is late.

Interest rate increased from 17.99% to 29.99%. I had ONE late payments of only a few days on this account (first time). Prior to this time, I have rarely carried a balance on this card and often pay the balance in full.

I had a very high interest rate with a Chase Credit Card, so in one month, I paid off $9,000 on a $12,000 balance, and at the same time, I asked to have my card deactivated. At my next statement, I saw that my interest rate was still over 21%. When I called to ask to have the rate lowered, I was told that they do not do that on deactivated cards, only on active ones. I have since paid the remaining balance, with the added kick in the pants that I was charged a late fee on top of my $3,000 payment. While it was late by four days, I pointed out to the phone rep that I forgot, because I did not receive that month's e-mail statement from them (I do online banking.) And a search of my e-mails showed that I had only been sent three e-mail statements during the past year (!), but the phone rep just told me, I hope that you have a nice day. Well, I can't get too mad, because now I understand why my pension fund has grown so much over the years, if that's normal business practice in this country.

This will hurt my business and my finnacial status. I asked to speak to a Manager and all she could tell me is that I broke the contract because I paid 2 days late in Nov. 07.

I had all my debt, except for a small amount, transferred to another card from my Chase account. I wasn't sure exactly how much I owed on the Chase card, so I figured I would take care of the rest online. I had a problem getting in to my account so I ended up calling the company. After talking to 2 people who insisted I had a late charge and a charge for a check over the phone, they finally put me on with a woman who handled online payments. I asked her if there were any more charges and she said there were no more charges left on my account.

Well to start off, they are extremely rude on the phone every time I talk to them. They charge the highest interest rate possible to get every penny from you, not to mention the fact that they constantly call and harass you. Also, these credit card agencies don't realize that the interest they are earning is FREE MONEY FOR THEM, and then they think they have the right to call constantly and harass you over the phone, email and/or mail. I find this rediculous and absolutely not necessary.

Received a new c.c. statement on 12/26/07 (Merry Christmas), and my apr went from 9.74 to 21.25%; and the reasoning for this is because they pulled my credit, and I have other open c.c. accounts with balances. I have never been late or over my limit with my credit line. Now I am being told that this is the best thing they can do for me. So now my $125.00 I send them every month (which is $104.00 minimum plus a little extra) doesn't even make the new min of $144.00. How can we survive with c.c companies doing this to their good standing customers?

I closed this account several years ago and couldn't figure out why the balance never seemed to go down even though I was paying the bills. My weakness is that I never open my mail...so I didn't know that Chase changed my monthly due date at least twice in the last few years--without telling me. This caused me to--according to their claim--pay late for several months. Of course, this meant my standard payment no longer covered the new late fee+unpaid amount+monthly bill.

I canceled my credit cards that I rarely ever used, and I began to receive several credit card offers per day. Trying to reach Deb Walden, Executive Vice President, Customer Experience, has been impossible.

I closed my Chase Visa account two-three weeks ago because of a disputed charge. The charge in question is to a magazine subscription that was canceled in September 2007. The $30 charge for the magazine hit my account in November. When I called Visa to cancel my account and to dispute the November charge, Chase personnel couldn't help me with the former and transferred me to TWX, a third party magazine subscription company associated with Chase. I confirmed that my magazine subscription was canceled in September and requested that the $30 charge be reversed: this was done through TWX's automated attendant.

We are good customers with excellent credit and we are getting penalized for it. I am being credit discrimination and I want something done about it.

I just went over all my Chase statements from the past year, and noticed that even though I've only used this card one time, to charge $600 for a car repair, and I've made about $2000 in payments--because of all the fees and charges on the account, all I've managed to eliminate from my debt was a grand total of: $91.70. I called customer service; they said there is nothing they can do to decrease the outrageous 30% APR rate on my account because back in 2006 I had one late payment. (I later went back to look for that statement, and noted there was one payment of $75 that was noted as being received ONE DAY late, and for which I was charged a $39 late fee. IS this even legal?)

We signed up for the on-line e-mail bill. They waited over 30 days to give us an on-line bill! Due to not receiving the bill, we ended up paying it late--our first late payment in over thirty years!

In November of this year I didn't receive a bill from Chase, but I sent in the payment I have always made anyway. I have automatic pay with my bank. I didn't call because the last six months have been the same. I always paid more than the minimum. Well surprise, surprise when my bill came in December, this month, and my interest rate was raised to 29.99%--and had over $300 in interest PLUS a 39 dollar late fee! They said I was late in November. I asked them how was that possible, and they said my interest rate had been raised to 19.99% in November, and since I had not paid the full amount (an extra $73) I was put into default and all my current offers, 2.9%, 5.9% and 7.9% were revoked. I kept asking how did my account go to that interest rate when I have never been late before.

They keep giving you offers and transfer checks, but for no apparent reason at all they all of a sudden send a flyer with very small print that they are raising your rates to like 23.9%. I have to accounts with them. The first one I didn't catch the small print. On the other I did. You must write to them requesting they freeze your account and close it and they will then freeze whatever rate it set at that time. Otherwise, your rate and your payments go way up.

I purchased items from Amazon.com in December 2006, and was enticed to open a Chase Amazon credit card, and thereby save $30.00 off my first purchase. After that I received one bill in the mail in January 2007, which I paid in full. Later, I ordered more merchandise from Amazon, but Chase did not send me any more statements or notifications of any kind regarding the outstanding balance of approximately $56.00. In November 2007 I ran my credit report and found that this credit card now has a balance of over $200.00, and had been charged off to a collection agency.

Without my permission, Chase Bank stopped sending statements through the mail and did not send me an e-mail notification of outstanding bills. As a result, I was unaware of a few purchases I had not paid--until I received a phone call last week. I paid this bill immediately and have been charged $178.33 in penalties and late fees. I have 8 or 9 credit cards and always pay my bills on time and have never had to pay late fees or interest. Chase has charged me close to 30% interest. I feel it is extortion.

Chase Visa charges late fees of $39.00 even when a payment is not late. I carried a relatively small balance of $1100.00 on my Chase Visa card. During the month of November I made two payments on that card (one on November 8th for $500.00 and another on November 19th for $500.00). When I checked my statement they charged me a $39.00 late fee for being late on December 10.

Chase solicited my business through a purchase I made through Amazon.com. If I used Chase they would credit my bill for $30.00. I used the card for several purchases and always paid on time. I then decided to pay the balance off in full, or so I thought. I use a credit monitoring system that reports any adverse information or inquiries to my credit reports. When I checked on an alert I received from them, Chase had reported that I was more than 30 days late on a payment and owed $56! They had charged me some sort of interest rate and a late fee and reported me to the credit bureau! My score slid from 748 to 668. 80 Points!

I started to use Chase - Continental business credit card since June. 2007. I paid my balance in full every month except Sept. 2007. So, on the Oct. statement, there is a late fee and financial change. I paid in full (including the financial change) on time on 10/22/07; but again, on Nov.'s statement, there is $2.68 financial change. Since I paid Oct.s bill on time and made full payment, it seems to me this charge is incorrect. On Nov, I paid my balance on time, but did not pay $2.68; on Dec.'s statement, this $2.68 balance became $6.66. See? The interest rate is over 200%! I called the customer service: 18008755220 several times regarding this issue, but I did not get any satisfactory response. Some of the representatives are rude. This makes me very upset; it is just because of a one day late payment.

Received a bill from Chase credit cards regarding our account which had a 5.99% interest rate. The bill indicated that our $400 a month payment was to be $659 . When I called they said that our interest rate has been increased to 19.49% due to credit card balances rising, and there was nothing they could do.

Chase, in an effort to look better to the public, has done it again. They no longer will support the practice of Universal Default, so instead they have decided to increase their interest rate to 31.49% as of the first billing cycle included with the February 1st billing. Well, much to my surprise I was hit with the increase from a random credit report review from Chase back in Sept. No, my payments were not late, and yes I always paid more than the minimum payment due even if it was only $25 to $50 more. Now I as well as many others will have the privilege of paying a higher APR if we choose not to opt out and agree to this insane act. So here it is, as Chase states on their pamphlet, to manage good credit one way is not to close your older accounts which could cause a drop in your credit score. So if you follow their advice you would have to accept the increase (which by the way I AM NOT!) to maintain a good credit score.

I recently received a notice that my APR for the credit card account I have with Chase is going to be raised from 6.99 to 19.49%. There was no reason given, and I have had not a single late payment on any account in over 15 years. I have sent them a letter opting out of their change and also advising them and anyone else that I will no longer do business with them, for them, or with any organization associated with Chase.

I received notification from Chase that my APR was being raised to 31.49% based on something in my credit report. I went online to ConsumerAffairs.com and read the article dated 12/8/07 stating that Chase would discontinue this as of March 2008. My new APR will take effect February 2008. Unbelievable.

I had an $9,000 balance with Chase at 4.99% that cost me about $35/mo in interest. My wife asked if she could transfer her $11,000 credit card to my account to take advantage of a 3.99% offer. I called Chase and did the transfer online. When my wife received her next paycheck she sent a payment to Chase on the 7th of the month. I sent the rest of the payment a week later. The first bill we received after the balance transfer had a late fee and the interest rates were raised to 14.9%.

I purchased items from Amazon.com. I never got a bill in the mail. Chase kept sending it to an email address I no longer have and never called or sent anything via mail stating payment was past due. I didn't even realize I used that card, I thought I used my regular card and I was told I checked a box to have the bill sent electronical, which I never did. It would have gone on for years if I hadn't run my credit report. They had all my info to call or write and never did.

My husband and I have a home equity line of credit with Chase. In April '07 his company went on strike and in May, I had to have major surgery and was off work for a while. My husband called Chase in April and asked what we could do about our financial situation. We wanted to make our payments, of course, but we were temporarily strapped.

Chase raised my rate then charged an over limit fee when they accrued interest for my statement. I was a customer for over 3 years never with a problem. When I asked for them to reverse the fee, which I do not believe I had ever had; they would not do it. They kept the $39 and I have closed my account as of today.

I went to use my card and it was declined. I logged into my Chase account and found it over the limit. I noticed my interest rate went from 12.9 to 26.4.

I moved from Maryland to Texas and requested a statement from Chase be sent to my new address. It took a long time and it had late charges. My interest rate went from about 6% to about 24%.

I recently chose to use Chase to do a balance transfer. I spoke to the representative about the convenience checks I had received. I was never told there was a cap, in fact I remember a cap mentioned of $99. I received my statement and find a $480 finance charge!

The finance charges on my Chase Visa are 29.74% I called them to see why they are so high. I am not late on any of my credit cards. The supervisor was very sympathetic, she sounded shocked, but said there was nothing she could do and there was nobody to talk to over her. And she had no idea why they were so high.

I received a notice to make my credit card secure, with reference to an account. I do not have a card with that account number, and neither did my husband. He died in July, 07. I would like some info on this account if it is current.

I was very upset today when I noticed that Chase raised my interest rate to 20.24%. I am conscientious about my credit card debt; it seems my credit card debt is too low. I currently only have a Chase card with a balance of $2200, but my two mortgages with Chase add up to $140,000. While this might seem insignificant, it is a very sizable amount to me. When I called to try to get the interest rate lowered, I was informed a notice was sent telling me Chase was going to do this, and I cannot have the rate lowered. I was also told that in June (the date of the notice) that I had an opportunity to freeze my account. Since I never received this notice, I never had the opportunity to freeze my account. I will never again use a Chase card nor any other service they may offer. They have just lost a customer for life.

I closed my Chase account 2 years ago because Chase wanted to change the terms so I could not sue them in court for their Predatory billing. Since I closed the account I have paid them $10,780, while the balance has only gone down $2000. I have E-mailed them on their secure site to come up with a realistic balance. Example: I would pay $470 and see $352.27 go for finance charges.

Chase jacked up the interest rate from 14% to 29.99%. I called customer service to dispute it, and they said they sent me a notice stating that they changed the terms. I did not receive any notices, and even if I did, how can they legally go from a 3.99% offer, to 14%, to 29.99%? I don't understand how this could be legal! They are so misleading; they are stealing us. This needs to stop, no one can put up with that....

I have two credit cards that started out years ago as low interest cards with Wachovia. Over time they have been sold off to different banks (at higher interest rates) until now they are with Chase. Last year I had the payments made by automatic payments using billpay through my bank. In November the automatic payment did not cover the minimum payment. Immediately the interest rate on that account went to 20%. When I called to get it down they said I had to wait 6 months before they would consider reducing it. That was November, but in January they called to get me to use use the balance of the account to pay off other cards--as if I wanted to put more debt on at 20%. When I said no, the service guy said he would reduce my interest rate by 1%. I said 'sure'. Then, 6 months from November I called to ask for reduced rate and they said no, I had to wait 6 months from the last reduction--that they had initiated! And the guy had the nerve to say you know that because you read the agreement.

Chase raised my interest rate to 29.9% citing my credit score had dropped. I had the card for over 12 years and never had a late payment....EVER! I recommend avoiding Chase at all costs.

We paid our Chase October bill early for $34. When we got the statement, it said our payment was $2 short (it wasn't) and they assessed $60 in fees and finance charges. After arguing with them (I did not save the bill, so all we had was what the computer said) the representative offered no help or solutions to try and better the situation. So I said I would be paying the account in full,and I wanted it closed and all communications to stop. I received the statement on Oct 30, mailed the payment Oct 31, and they cashed the check Nov 1. The due date was Nov 17. I still received numerous mailings and emails, and then a bill for $5.51 on Nov 30. When I called they said they could not remove this valid charge because I lost the 0% interest rate when my payment was late even though I paid the full amount the day after I received the statement. I again requested the account be closed and all communications to stop. Amber was rude and unhelpful and unwilling to even try to remove the charge.

Circuit City Electronics issue cards by Chase. I bought a Panasonic CamCorder in May, 2006. The terms of the deal as it was explained to me, was 24mos at 0% same as cash. I missed 2 payments in July and Aug of 2007). My interest jumped to 574%! That's right 574%! I tried to get them to remove the interest charges and a lady with a heavy foreign accent told me I was no longer eligible for the special promotion. The special promotion rules were never explained to me nor were they on any document I received telling me the rules of the promotion. I went ahead and paid the balance less the interest charge and to this date I will not be payingthem anything else. I called in October and they offered me 30% off the remaining charges and if I wanted to file a dispute, they would send a form for me to fill out. The form never came. I called again in November and the offer went up to 50%. I said no deal. I want it all taken off.

Last year, I went to Circuit City to make a purchase. The sales associate encouraged me to open a Circuit City charge card, which will have 0% interest for a whole year. I was a bit tight on the budget, and agreed to do so. A year rolled by, and I was still paying off the balance from the year before. I knew that I had some available credit on the card, and attempted to use it. However, my card was being rejected wherever I tried to use it. I went home, and checked online. To my surprise, my card had over the limit balance - the interest from the purchase made a year ago had accumulated and was put on my account without any notice. I was upset about this incident, and attempted to contact Chase credit card, but the CSR kept telling me that there really isn't anything that they can do. When I applied for the card, the sales associate had never mentioned such charges. Had I known, I wouldn't have applied for the card. Be aware of these so called 0% APR credit cards.

I received a notice in the mail that my interest rate was going up. When I called I got the news that I have too much credit, so they are raising my rate.

The balance on the bill I received to be paid by 11/6/07 stated I owed $4,279.56. I paid the $4,279.56 on 11/02/07. The transaction even shows on my next statement that the payment was posted on 11/02/07. Then they send me a bill saying I still owe them $39.52 for finance charges.

I have two Chase Visa cards; one since 1988 and another one since 1997. I have always paid on time. Less than a year or so, I was offered a 3.9% interest rate for the life of the loan and I transfered about $33,000.00 dollars. I have been very faithful paying on time, but in the month Nov. 2007, I did not recieve the statement for the month. On November 26, 2007, I called Chase Visa to inquire about the statement and I was told that the statement was returned by the postal servise back to them which is beyond my control and I was hit by a 16.4% interest rate hike and a $39.00 late charge without any notice. Today, Nov.26, 2007, the same day that I inquired about the statement, I got the next statement with the penalty and a $379.94 finance charge. When I spoked to Mr.Chris R. (Acct.Supervisor) the only thing he had to say was that he was sorry, to which I asked if there was a higher supervisor and he said he was it and there cannot be any negotiations. I think that it was done wrong and justice should be done.

I have received a pre-approved low interest credit card offer from Chase on 11/20/2007. It clearly states that I will have 0% intro APR on purchases for up to 15 months and 3.99% fix APR for the life of the balances transferred with my initial response. In that respect, I have decided to make a phone call to Chase to process the application. At the end of the phone conversation with Marvin at Chase, I just wanted to confirm the APR once again, and he stated that Chase can only offer 9.99% APR fixed for the balance transfers. If I did not ask for the confirmation on the APR for the balance transfers, I would received the first statement showing 9.99% without any notice. I can only imagined that I would receive the 3.99% APR offer just because my formal invitation letter shows that.

I have been a Chase customer for several years and always pay my cards and loans on time with no issues, late fees or otherwise. We were sent an invite by Chase early this year to borrow up to our credit limit at a promotional rate of 1.8 for 9 months. We took the bait. We did this on 2 Chase cards. Today we get a letter in the mail from Chase raising our rates from 1.8% to 31.74%. No reasons given, no explanation, nothing. We call the bank and are told by Juanita at the Springfield office (Supervisor is Kevin Julian) that this is because we have too high a balance on some of our cards. Every time I try to explain to Juanita I get interrupted and told this has nothing to do with being a good customer, nothing to do with ever being late, that Chase reviews credit reports and feels that since this is unsecured credit that they have to protect their interest. Due to a couple high balances I am now a risk.

Amazon Visa Card (Chase Bank) claims I owe $192 from year ago. I paid the bill on time and in full. I never received any additional notice or billing and assumed my payment was received. Now I receive a telephone call from National Action Financial Services (allied with Chase) telling me I owe. I verified the facts with Chase.

I was invited to open a $500 limit credit card account with Chase Bank in April 1996. I charged about $450 to the account and became past due. I have paid several thousand dollars but was never able to pay off the card. The balance is $6201. I consider the debt disputed, and Chase will not provide me with details regarding the accumulation of interest penalties, etc. I notified them in June that I regarded the account as disputed and asked again for information as to how much I had paid them over the years. No response. Now they have placed the account with a collection attorney. I estimate that I have paid over $5000 since opening the account. They say I've agreed to arbitration.

I have been a Chase customer for 12 years with excellent credit. I Paid $18,057.00 bal. on this account Feb 18, 2007. Chase added a finance charge the following month and NEVER BILLED ME OR NOTIFIED ME THAT A BALANCE WAS DUE! I had not used the account or even activated my new card until I attempted to use it on Nov 1, 2007 when I found out that it was cancelled. When I called Chase to find out why, they said it was cancelled for non payment. They further advised me that my account was 180 days late!

I just opened my Chase bill to pay as I have been traveling and this is the usual time for my monthly due date. There was a note at the bottom indicating that my payment due date had been chaged to six days earlier! Needless to say I was late and they had no interest in being flexible about retaining my 5% promotional rate. I can expect it to rise to at least 24% next month. Talk about bait and switch!

They have begun to charge 3% but no less than 10.00 on every cash advance. I was shocked to find out that I was charged 10 dollars when I withdrew 20 from the machine. When I called, I told they lady that we had never seen this charge before and she stated that that was the new policy. I think it's despicable policy and is no way to do business.

Offer after offer came in for low rate credit cards from chase bank. Gradually, we exchanged three higher rate credit cards for various chase credit cards. After we had the three cards set up, chase continued to bombard us with offers of low rate deals and low rate balance transfers. After getting the three cards close to maximums, chase then raised the rates to 29.99%.

We have a Chase VISA which we've had for a few years. We've never missed a payment on-time date, and pay online, usually. Well, I accidentally missed a payment. My account holds a few promotional deals for no or low interest for life if a promotional check is used. Our normal APR is 8.99. When I called, I asked if my interest had been affected, and was told that all of my promotions, plus my regular interest rate had gone to 29.99% because I had defaulted on my agreement. My wife and I were in disbelief. We were told that this would happen even if we were one hour late on our payment.

I mailed a payment over 2 weeks ago and they still have not credited my account. Originally I got this card from another bank at a reasonable interest rate. Chase is now charging 29.99%, which was not my original agreement. Plus, they charge $10 in ATM fee no matter how much you take out.

I had a Chase Amazon.com Visa card (since 2003). Recently I was making a lot of Amazon purchases - so many that they kept turning my card off for fraud. The first time, I'll give them. But after you call FIVE times to tell them that these charges are valid, I don't buy the we can't change the system excuse. So their fraud protection (they never called me to tell me there was a problem, they just turned off the card) excuse doesn't fly. Speaking of, it's funny that they can call you to sell you extra services you don't want - but can't call you when there's an issue with your card.

In August of 2007, I took a trip to see my best friend in the world which took me to NS. Canada. It was during this time that Chase claims to have sent me a notice of rate increase with the option of opting out of the increase. In late October, I finally located the nefarious document among the mountain of credit card offers and bank statements from Chase, Citi bank and other forms of Junk Mail.

Chase Credit Card Client Services called about collecting $2000 for breach of contract on my wife's credit card. My wife called them and asked for a statement showing the credit card charges. They advised they could not do that and want the monies today. My wife advised that she never received a statement since 2005, and now they are calling after Chase closed the account. If monies are owed we will pay, but we need a statement showing where the charges occurred. What can we do? They keep badgering us and will not send a statement.

Over the past nine months Chase Credit Services have charged me over 29% finance charges. I called several times to clear this matter and they said it was their policy. The customer service representative said I had large balances with other credit accounts in the credit bureau. I did not have any negativity with Chase credit cards back nine months ago. Please help me to get back a lower rate of less than 18%. My BP-Amoco credit was bought over by Chase Bank two years ago. I had this credit card for 13 years, and I now I'm going to close this account and transfer the balance to a new card. I try very hard every month to pay all my bills. Please help.

Last month my on-line transfer missed my Chase credit card payment date by one day. I paid the finance charge, late fee and balance in full as I always do. This month I went to pay my credit card balance, and Chase charged a finance fee again. The customer rep. said if you get charged one month you automatically get charged the next month even though the account was paid in full. She said it was in my agreement for the credit card. I have had this card a very long time, don't remember details in the agreement, but asked one be sent so I could read it.

I have had to pay an outrageous amount of interest. How many others is this same thing happening to.

Twelve years with Chase Bank. Had small credit card amount ($850). Received letter from Chase increasing my interest rate from 12.0 to 29.99% interest. Then they closed my credit card account at the time I called and complained.

I made the mistake of paying my credit card early. I got a late charge on my next statement on-line. I called, asked why and was told I paid on the statement date, so looks like I made an extra payment to them. AS A COURTESY, I was told the late charge would be removed. Two weeks later, I get a late notice in the mail saying I am a month behind. The very curt customer service representative advised I should have read all of the print on the back of the agreement . I asked that a note be made as I did not want a late charge black mark against me, and the customer service representative refused. I will not ever transfer another balance to them .

I closed my Chase credit card account when I realized that I was charged $29 late fee plus $6.37 finance charges. I paid on the due date electronically. So I just didn't think it was fair for them to charge me the money, since I always pay the full balance on time. The customer service representative was rude. She said it takes two days to process. What? Out of a Chase banking account?

I have 2 accts. with Chase credit cards one a MC @ 5.99% fixed rate, supossedly forever, one a Visa@ 7.99% fixed rate,supposedly forever, and they started with my MC @5.99% fixed sending me the option to opt out of them raising my interest rate to a ridiulous higher rate, I contacted them and they told me that it was something in my credit report that was causing this rate hike.

Have been a customer for many years but I believe my account was bought by them from another bank. Never missed a payment or was late. My rate was raised to 29% due to the fact at some point I may not be able to repay my debt, per customer service. I was referred to a debt collection agency even though there was no need at that time. When I didn't comply, statments would be missed erratically and I've had no problem with anyone with the mail being received. I realized I didn't get the statement, called them and sent the payment immediately. I was told I could just wait and send the two payments together and it would be no problem. Wrong. They charged me a late fee and reported me to the credit bureau.

I was sent an Important Change in Terms Notice which I received in September and read on September 10th, 2007 stating that my interest rate was subject to change from 8.99% to 22.24% if I did not write to them and request that I do not accept the change in terms - which also meant that this card, which is my business card with a $10,000 credit limit, would be canceled. That day, I wrote to tell them that I do not accept the change in terms. I did receive a letter stating that my account would not be subject to the changes that I have the option to decline. Then, on my next statement, the interest rate was changed to 21.74%.

We had two card from Chase. One card had a credit limit of 17,000 and the other a credit limit of 15,000. The limits provided our home business with a pad when we needed to replace inventory. After years of paying every month, Chase decreased the credit limit to 8,000 and 7,000 respectively leaving $300 of credit available. Four months later they increased the rate from 14% to 17% because we were too close to the max. Is that Catch 22 or not? What a racket!

Paid partial balance on month 1 and then paid balance in full next month. Charged 8.99 interest on outstanding balance after balance was paid. Yes it is only 8.99, but how many 8.99s does it take to make hundreds of thousands of dollars for the credit card company? Total consumer rip off. I have no choice but to pay the balance because otherwise my credit will be ruined.

***DO NOT PUBLISH THIS COMPLAINT***

A little over a year my then 5 year old son received a pre-approved credit card offer for a united mileage plus visa card through Chase financial services. I was extremely concerned as to why on earth my 5 YEAR OLD would be getting credit card offers from this company. I called immediately and was told his name was would be removed from the list. He has gotten at least three offers since, one arriving yesterday. I called the company for the third time today and asked why he was still receiving these offers and was told that it sometimes takes up to 90 days to have your information removed from the marketing lists. I explained that this was in fact my third time calling, the first being about a year ago and that I was extremely upset and concerned that my sons credit could be victimized.

I recently paid off three credit cards in full. When I paid off two (Visa and Discover), the customer service representatives were so nice, and so happy that I was paying the entire balances, they waived all extra fees (pay-by-phone, finance, late charges, everything!). I received a zero balance statement from both of them. Now comes Chase Credit Card. I paid them off in full, but the rep would not waive the 14 dollar pay by phone fee. She said I would be charged a finance fee also. I was upset, but accepted that, and waited for the bill.

How about this one? I have had my Chase/Amazon Visa for a little over a year at 17.9%. A couple of months ago they sent a postcard in the mail (something that looked like Junk Mail, not a formal informational letter) stating they were raising my interest rate from 17.24% to 29.99%. Not because I was late on a payment, not because I was over my limit, just because. Well, I really don't know.

Chase solicited my business through a purchase I made through Amazon.com for about 120.00 in April 07.If I used Chase they would credit my bill for 30.00. They sent my bills to the wrong address so I never saw a bill. I was notified by a credit agency that I had a deliquent bill for almost 300.00. I tried to contact chase but they have it set up so you can't speak with anyone with any authority.

In August I and my husband went to Italy. In Florence we went to a flea market where people are selling souvenirs, paints, leather stuff, etc. To make the story short, even at flea markets people have merchant accounts, and I tried to use my CHASE CREDIT CARD. The sales man swiped my card several times into the machine without response-(I SAW THE ERROR MESSAGE), so I ended up paying cash. Now, back from my vacation I got my statement and I got charged for the item I paid cash. I called the customer service to dispute that charge.

Sometime in July, 2007, Chase made a mistake in closing my credit card account without notifying me. I sent in a payment of about $500 towards a balance of about $1200. I discovered that the card didn't work when it was getting rejected while trying to charge a phone card. I called Chase. They said they closed my account because I filed for bankrupcy. I told them that not only had I NOT filed for bankrupcy, but NEVER even dreamed about it. They said they would investigate & that I should call back in 5 to 7 days.

I have two Chase credit cards. Though payments are made ontime, they have increased my rates astronomically. When I received notice of the increase and inquired, I was told it was across the board. Well, I opted out of agreeing to the change because nothing I received indicated the increased rates would only be applied to the new purchases. I closed the cards, there are no other options and now my FICO score is destroyed and I can't get a decent interest rate to buy a car! Something needs to be done about this stuff!

I received my latest statement only to find my interest rate changed from 8.99% to 24.24%. When I called to find out why my interest rate had changed to three times the amount it was the previous month, I was told that my credit card balances where high and I was considered a high risk even though I had not been late or gone over my limit. I am being penalized for too high of balances even though I am still paying my bills on time each month!

Well, I have the same situation as several ,and I mean several, other posters. Chase plays games with rates and fees and credit limits. I closed a Marriott card years ago since they played the risk game and doubled my interest rate even with great credit and a never late history.

I recieved a late fee of 29.00 on my credit card from Chase. I have routinely paid my credit card at least twice a month. I had a balance of 191.00 (including the fee). I was suppose to pay a minium of 10.00 on 08/16/2007. I submitted an online payment on 08/18/2007 of 100.00. I called chase and spoke with a customer service rep, and then a superviser about having the fee waived (I made this call at 3:45 on 08/18/2007). Both women said they could not waive the fee despite my good credit history and my recent payment. I was also told that there was no one higher up I could speak with.

I have been a customer of Chase Credit Card since 1999. In the last couple of years I have been steadily paying down a balance that is now under $18,000. I have never been late on a payment.

During 2005 and 2006 my husband was laid off from two different construction jobs and I was not able to work due to health problems. During the times he was out of work we had to use our credit cards, we only had two, Chase and Bank of America to help us pay our bills, which included COBRA coverage and health claims. After my husband got laid off the second time we were no longer able to keep up with our two credit card payments. The very first month we were late with our chase payment they socked us wth over $1,000 penalty and the total charges have been $10,000 over 8 months.

I have three credit cards all issued by Chase. (They seem to be buying up all other issuers.) I am forever getting notices in the mail from my credit card companies about minor changes in terms, and used to ignore them. I don't pay late or bounce checks, so those fees don't really effect me. UNTIL I got one from Chase saying they were going to increase my APR unless I sent them a letter to opt out. I opted out, whatever. Then in April, on another Chase card, I used a cash advance for low APR offer they sent to me. In July I got a 'notice' (not a letter mind you, but one of those flyer type deals that looks like a privacy policy notice) that my APR was going to go up to OVER 20% and that if I opted out, my account would be closed. Obviously I'm going to opt out, but I don't know if that means the APR I got on the cash advance will default to the regular APR.

Chase Cards issued me a Visa which I use for travel, they have been holding $1100 of my personal money for over 8 days paid electroniclly to the card in what they call a Float, I make many transactions each month because of business travels and this is my first card with them, they claim they have to do this because the FDIC will invistigate them for Fraud, they also put a hold on my account, it shows my balance low but shows my available credit as 0.

He is unable to communicate other that grunting or shaking his head.

I received notice that Chase was moving up my APR to 29.99%. My credit score is beautiful, the high 700's. I don't have many cards, and the ones I have are in good standing. There would be no reason for them to change my APR but their reasoning for this is that I was a credit risk. That's the only information they would provide me.

I received a notice from Chase stating that my APR of 14% was increasing to 20.24% because a report form Experian showed that I have balances on other credit cards. According to Chase this makes me a risk to them because of the debt/income ratio. Nevermind that my bills are paid on time and that I have a Chase mortgage. I had a choice to close the account to keep the lower interest rate. Who needs Chase anyway?

I have been with Chase credit cards since 1991, and always had an account in excellent standing. I knew our payment to Chase was going to be late last month because of an unexpected hardship. I initiated a call to Chase and explained our hardship (even providing documentation) and asking for a grace period or whatever they could offer. After 2 hours on the phone, Chase said they would not work with [us] because I had been such a good customer for such a long time.

There is a charge of $3000 on my Chase credit card account that I have been disputing. Chase favored the merchant and force me to accept the charge. I refuse to pay.

I received a statement in March '07 showing that I owed the annual $60 fee for my United Mileage Plus card. Given that there are other credit card options that provide mileage with NO annual fee (including, apparently, one from Chase Card Services!), I cut up the card and mailed it with a letter of cancellation to the Chase address shown on my billing statement. I received another statement in April but (naively) assumed they had crossed in the mail. When I received yet another statement in May showing that I owed the $60 plus significant interest I called and was told by the front-line agent that they were happy to cancel my card but refused to waive the fees.

We canceled our Chase card just before moving. When we received the final bill we paid it off in full. Little did we know that they added a finance charge of $12.15. Well, because we moved, we also didn't find this out until 2 months later after they added 2 months of late fees onto their bogus finance charge. So, when we discovered this, we called, paid it off AGAIN, including their late fees! And low and behold we check and this month there is another bloody $2 for residual finance charges. There will probably be yet another charge next month because it took us 2 days to discover THIS $2 trumped up charge. So now, I am calling Chase every day for the next YEAR to make sure they do not add another charge, or until it costs THEM as much in BS time and money as they've cost me.

I have been a Chase credit card holder for approximately 5 years. I have never been late on any payments to them or to any other creditor. My credit score is 700+. I recently received a notice in the mail from them that they were increasing the rate on my account from 16.00% to 32.24%.

I have been a customer of chase for over 2 years now and I have NEVER been late with them or any of my creditors, yet they keep raising my interest rates. I pay over 18% for both of my chase credit cards. A few months ago they tried to raise my rate to 30%. I to was told they checked my credit report and it was because I had too many credit cards and because of my debt to income ratio.

I have a friend who is serving in Iraq and due to some unfortunate choices the people handling his finances didn't pay his bills. I have sent the orders and information to Chase to reduce his interest rate according to SCRA and they have refused. I am continuing to write and call but they have been uncooperative at this point. This has been going on since January when I took over the soldiers finances.

I have been a customer of Chase Bank for many years. I've had three different cards with balances as high as 15,000 dollars. I decided to pay off one of the three cards several months ago and consequently didn't pay attention to that particular account the following month. Well, what I didn't realize was that they continued to accrue finance charges for a second month after you think the balance is paid off. Consequently, I was not only late, but in default of my credit card agreement which cause all three of my card to default to a rate that was near 30%.

Well to begin I have a credit score of just over 800 and have basically zero debit on my credit report, except for a car loan of $23,000 at 5.4%

I received a bill that had a $15 late fee on it levied on a $21 balance. I had mailed the check on 4-10-07 and the due date was 4-15-07. It did not occur to me that the due date was a Sunday. I always pay on time and have an excellent credit record. Called customer service and was given a flat no. They saw no problem with putting a due date on a day they don't process. They were extremely rude and said when I questioned them that as far as they know there is no mail delivery on the weekend and so what was my problem. I did call back again and got a more civil person, but the same stated policy. That they have no control over the due date falling on a day they don't receive mail.

I've had an account with Chase for quite some time at a low APR of 7.99%. I received my statement today and my rate increased to 22.24%. My credit score is in the 700's and I have never been late on a payment.

Chase must have the worst customer service department in the all of the credit card business. I got charged $60 in late fees for a $2500 balance because I PAID TOO EARLY!? I made a payment for March on time and then I made another payment on March 15th for the April 10th due date thinking it would get applied there. WRONG!

I have very good credit and have been a Chase visa user for a long time. I missed my payment yesterday and as soon as I realized, I paid online today. I called to inform Chase that I had forgotten to pay yesterday and since this has never happened before I wanted to make sure I would not be charged a late fee.

I've had an account with Chase for quite some time at a low APR of 7.99%. I received notification today stating that my interest rate was going to be increased to 22.24%. This happened with a different Chase account where they wanted to increase the interest to nearly 30%APR. My credit score is in the 700's and I have never been late on a payment. In fact, I always send 3 times the minimum payment. They claim the reason is my credit report, but I keep a close tab on my credit. I've also talked with other individuals in the same circumstance where Chase has increased the APR to an absurd level when there had been no detrimental issues with their credit.   

We have been using Chase for YEARS. We received a bill in the mail for one of our cards about one week before it was due. Of course the payment did not make it. We incurred a $35 late charge. We have NEVER been late before. They would not credit this late charge after our request for them to do so.

I pull my my credit report every 3 months, and know there is nothing negative on it. I received a notice Friday saying my APR will increase to 32.24 effective June 1, 2007!

When I did a balance transfer to consolidate some outstanding debt at a lower interest rate (5.99%), the representative and I established a payment due date of the 5th of each month. After 3 months, they moved my due date to the 1st of the month. This means I'll have to make 2 payments in one month (not acceptable as I'm on a fixed income) and that future payments will be due earlier (also not acceptable because of when my pension check arrives). I always make payments on time and usually pay more than the minimum due.

my payment jumped and I am paying over $100 of interest on this card!

The interest portion of our bill doubled due to this increase, which was NOT justified as we had NO late payments to this credit card company, and we had NO late payments to any company included in our credit card report.

A call to CSR to close one Chase account and re-allocate the balance to another Chase account resulted in a $120 service fee for a balance transfer. My card agreement clearly states maximum balance transfer fee $75. Numerous calls for follow-up explanations each netted a different story. Account charged $4000 for balance transfer + $120 balance transfer fee. The money has been charged to the credit card, but the transfer of funds still has not taken place - still pending after 5 days.

I had my Chase credit card for five years. I never missed a payment in my life with any credit card or utility or anything. As of yesterday I had $3000 balance on a $8500 credit limit with a 17% APR. Today, they changed the APR to 29.99%. I went bananas!

I have a chase account, and I always paid them on time. My interest was pretty low at 7.99%. In January the company My Check Free, which I paid a number of bills with, discontinued them as a bill i could pay with them. So I went on chase's web site and started paying there. My due date was at the end of the month, I always pay about 10 days before it is due.

I have a Chase Disney Visa and was at a 10.24% rate. I always paid the bill on time and never made a late payment to them. On my current bill my interest rate jumped to 24.99% without any explanation. When I called they said they sent a letter in January 2007 which I never received letting me know my interest rate would be raised due to information they received on my credit rating. While they would not provide me with a copy of the credit information they used to make this decision they said it had something to do with my credit limit on other accounts. I am not over limit on any other accounts and nothing has changed since I opened my Chase account approximately 3 years ago.

About three months ago I received a Chase Credit card under the pretense that I was approved for a $5000 credit limit at an 8% APR. You can only imagine my surprise when I received my first statement at 23.24%!Furious I called customer service who told me my credit must not be good. I explained that I had good credit and wanted them to do another recheck. They explained that there was nothing they could for another year becuase that is when I could be reevaluated.

I have had my Toys R Us Chase credit card since 1995. I pay my credit card off in full every month. For the last 17 years, Chase has received income from my purchases that equal over a quarter million dollars from charging the institutions for the use of this credit card on my purchases. I pay my bill off through the internet. I thought I had planned a payment on March 12th for my March 15th statement due date. That week I was away on a business trip. I returned on March 18th and checked the status of my account. I saw nothing was paid on my account and the scheduled payment that I thought I made for March 12th was no where to be found.

I transferred a balance to my CHASE mastercard, an account I had had open for OVER 10 years with NO LATE PAYMENTS. I had been offered a very low rate for a few months (less than 1% for 5 months I believe) Chase said the payment arrived 2 days late (sound familiar)This not only caused the there to be a late fee of almost $40 but interest charges for that one month of between $30 and $40. WOW almost $80 charge on a $3600 transferred balance for 1 month!

I have had my credit card with Chase for 4 - 5 years. In January 2005 I went back to school and over the next year I took out student loans, $7000.00. My account with Chase has always been up to date. No late payments. Overtime they have increased my interest rate considerably. I have called sveral times and questioned them on this and to see if they can lower my interest rate. What I get is there is nothing they can do. It is due to my student loans. Even though my credit is in good standing they are holding the fact of my student loans against me. They refer to it as a negative. When asked where in the policy does it state that they can increase my rate due to additional loans they said it is in the agreement. The part that states they can increase it at there discretion. Like I said to them a loophole. I think this practice is horrible and there is no excuse for it. It is not good for the people that do pay there bills and are just looking for a break. It will take me a while, but I look forward to the day I can payoff and cancel this account.

My credit union made an error in processing my payment, and chase upped my interest rate to 29.99 percent. I haven't been late with this company before and Im carrying a 2200.00 balance. Even though they are trying to fix it because of the other error they say they can't do anything about the interest rates. Other banks are raising my interest too, and my credit score has taken a hit. Please do all you can!

My fixed 3.99% interest rate for life of the loan jumped to 19% because they claimed they received one payment late by 2 days.

II have had problems with both a Chase Amazon card and a Chase Toys-r-us card. I pay my balance off in full each month so when I am charged $30 to $60 in fees it is noticeable. My latest experience is three $10 transaction fees from small purchases because the merchant ran my card as a debit instead of a credit. Chase never sent my first bill or it was sent by email as junk mail. They then charges me $60 in late fees.

I have held a Chase VISA card for about 15 years. I have never failed to pay my monthly balance in full each time it was due. In March 2007, Chase claims they received my payment of approximately $15,000.00, late. It was due on March 3 and Chase reported it was credited to my account on March 7th. That amount would have been payment in full for the past month's charges. They assessed a late charge of $39.00 and an interest amount of $206.00.

In 2006, I sold a house and then purchased a new one shortly after. After about 2 months Chase changed my interest rate from a fixed 8.99% to 29.44 %, even though my credit score at the time was 726 and my debt to income was only around 28%. I have never made one late payment on any of my accounts. They told me I was no longer a premium customer.

I have paid my credit bill on time consistently for months. In January, I had 3 days of lack of sleep due to my 1 yo triplets having teething problems. I went to pay my Jan bill to Chase and inadvertently paid another credit bill by mistake. I didn't become aware of the error until Feb when the amt due was doubled. I checked my records to see what happened and found in my bank account the error of paying the one credit (VACU) 2x. I paid my late fee to chase and the amount due and my interest rate immediately jumped to 29.98% and all the interest rates on my other 3 credit cards jumped also. I called Chase to explain the problem and see if they could work with me to correct this error. The supervisor of cardmember services transferred me to the Bankruptcy prevention department. A customer service rep said she could help me and after explaining my situation to her, she said that Chase could allow me to pay $207 a month for 5 yrs and after my debt was paid off Chase would cancel my account.

I had a late payment with Chase over a year ago so they raised my interest to 29.24%. This was killing me. In order to make the payment I had to charge more and the more I charged the larger my payment got till it was over $500 a month with as little as $140 going to the principal. Every month I made a payment I would call and ask if Chase would please lower my interest rate. The answer was always the same, you do not qualify.

I recieve the PROMO OFFER on balance transfer checks that states: PROMOTIONAL RATE 1.99% fixed APR until your March 2007 statement opening. Now, to me that means the rate will change from PROMO to Regular in March 2007, right ? Right?

Chase sent me a low rate offer for a balance transfer. They charged me $75.00 as agreed and then before my first payment was due, they tacked on an ordinary interest charge that put me $20.00 over the limit. Once over the limit, they revoked the teaser interest rate. Now THAT is a dirty trick.

Chase Bank repeatedly withheld payments to create late fees and over-limit fees and had the nerve to put the dates on the statements. Now I’m being sued. I refuse to pay anything and my credit has been ruined.

We received a promotion regarding a 3.82% balance transfer fee "to reduce that high interest rate you are paying elsewhere." We found out that if we did a balance transfer of $3,000 that we would pay a 3.82% interest rate and also a $90 fee for the transfer. When we received this month's bill, around $3600 including the balance transfer, we see that the minimum monthly payment would be $75. We found out that if we paid $800 to pay off our monthly expenses and $100 toward the $3,000 balance, that we would be charged 19.99% instead of the 3.82% as quoted via the phone to us.

Chase sent me a letter dated March 6, 2007 stating that I was enrolled in their payment protection plan since 12/5/2005. I never enroll in those plans and so I called to dispute the issue. I never noticed the charge on my statements so I will need to research the issue to find out how much I have actually been charged for this plan. A Chase rep. informed me that they could refund 3 months worth of those charges, but further dispute would have to be made directly to the Protection Plan reps.

I've had this credit card for many years and have perhaps been late once or twice in all the time I've had this card. I had a rate of 12.9%. Approximately six months ago my interest rate went up to 29.99% for no obvious reason. I've called customer service on numerous occasions to try to negotiate a lower interest rate and am told that I'm not eligible. They won't disclose the criteria which they are using to apply this exorbitant interest fee on this account. I would not recommend this credit card to anyone.

I was paying my bill online and noticed the rate had jumped from 7.9 APR to 9.9 APR and my printed statement was 7.9 APR. I called Chase and was told that some sort of waiver had been mailed earlier in the year. I was told that if I had signed & returned this waiver my rate would have remained the same and not changed to 9.9%. This is a fixed rate so unless I am late paying my bills why would it change?

I have had a chase MasterCard for many years. I signed up for the 7.99 fixed rate for the life of the card. In the past 7 years I have not made a late payment on any of my credit cards, auto or home loans. Chase decided I had too much outstanding debt so they increased my interest rate to 30%. Taking my monthly payment from $350.00 to $1200.00.

I moved to Puerto Rico and changed my billing address with Chase. I received my new cards and bills to my new address. About 8 months later, I changed my billing address again to my new home address in Puerto Rico. One month I did not realize that I had not received a Chase statement in the mail, even though I had been receiving all others. When I contacted them, it was too late, therefore, that was definitely a late payment.

Chase credit card company is awful! I have NEVER missed a payment or been late. My interest rate went to 29.99% because of high debt ratio.

I received this credit card with a very low limit considering our income and sterling credit. We received a $39.00 charge for going over the limit and they waived it upon complaint. My husband called later that week and Chase told him it would involve looking into his credit again and that wouldn't look good for him and they recommended he not pursue a higher credit limit!

Has anyone ever heard of Chase's floating due date for their statements? We transferred some other cards to a promotional 4.99% for the life of the loan. They said we would have to keep the account in good standing which was not a problem since we have bill pay and it automatically goes out on the same day every month. We set it up and things were fine till February 2007. Since it's a shorter month they have this floating due date system that not only have we never heard of, but no other banks that we know of do this. Our payment was due on the 11th not the 14th like all the other months since the beginning of the loan.

In February 2005 I received a notice with my monthly statement that I was eligible for "free rewards". I could pick 4 one year magazine subscriptions. In February 2006 I was very surprised when the subscriptions were automatically renewed and charged to my VISA. I checked the offer for "fine print" and found no mention of auto renewal.

I've been a Chase Credit card holder for several years. I made one late payment over 3 years ago and saw my APR increase by 3% however I have not made a late payment Chase since then. Therefore I was very surprised when I recently received notice from Chase that "based on a review of my credit report"; my APR would be increasing from 10.74% to 24.24% increasing my minimum monthly payment by $190.00! Why does Chase have the right to double the APR for a customer who has been paying them on time each month? Chase did agree that I could return to the lower APR if I closed out my account, which I did. However also I'm aware that closed accounts have a negative reflection on your credit report. This seems totally unfair.

I made a payment using my bank's Bill Pay program. My bank records show that the payment to Chase cleared my checking account on the 26th of the month. My payment was due the 27th. Chase claims they did not receive the funds until the 29th. They charged me both a late fee and an over-limit fee. If my payment had been processed in a timely manner, I would not have been over-limit. I called and spoke with two customer service reps, but they were not helpful.

I have been a Chase Credit Card member for about 5 or 6 years and have had an account in good standing with them at a FIXED 6.99% interest rate. I received a billing statement back in the summer stating that they were changing my interest rate to 20% and I called and fought with them over it and they kept it at a 6.99%.

I also have had a BAD experience with Chase. I was one day late with a payment, and they increased my interest rate from 7.99% to 22.24%.

I have the same story as those above. I had a GREAT record with Chase, having my card for over 3 years. They increased my limit to $15,000. When I almost maxed it, then paid it down to $8,000 they increased my rate from 2.9% to 29.99%!!!! They cited too high debt to income ratio!! MY payment is now almost $400!!!!!!

I just received notice of an 'Amendment to my Agreement' from Chase specifying that my APR will be raised from 18% to 32.24% for what reason I have no idea. When I called they could tell me nothing over the phone and said they would send me a letter specifying the 'reasons' for doing so. I have had this credit card for over 2 years and have NEVER paid late. I had only ONE credit card until 2 weeks ago when I signed up for another credit card with a 0% balance transfer to move a portion of the balance bc of what I felt to be ridiculous and unflexible finance charges and a 18% APR. I opted out of this increase immediately but am feeling like my rights have been breached.

I was charged a $99 renewal fee for a credit card protection service that I did not purchase or enrolled in. I was informed that I enrolled when I activated my credit card, which is not true.

They said a payment was two days late. Because of this, they increased the interest rate to 30% on three of my credit cards from an average of 7% on $100.000. The other two credit card companies, I had, was bought by Chase within the past year. Somehow, Chase then owned 3 of my credit cards. I had been excellent with them for 7 years, then all of a sudden, Chase turned on me. The increase cost me $10,000 in the extra increase rate increase from 7% to 30%. I am considering taking this $10,000 loss on my income tax.

I called in because I noticed a few months back that I was being charged 29.99% on my chase credit card. Upon calling in they told me that because I had High debt-to-income at the time they re-checked my credit worthiness is the reason they raised my rate from the old percentage. After an hour and a half, they agreed to give me a 0% rate because i've been a good customer and currently have very low DTI( less than 25%) and no late payments. After calling in about 2 weeks later, they showed NO record of lowering my rate , but will acknowledge that someone did put in my record to lower my rate.

I have been a long time holder of Chase Credit Card. Approximately eight months ago I had a late payment and they raised my interest rate from 9% to 29.9%. They advised me that if I made 6 consecutive payments on-time that they would lower my interest rate. I called 8 months later and the customer service rep told me that a lower interest rate at this time was unavailable. She cited my poor credit as an excuse. She was rude, sarcastic and utterly unhelpful.

I have two credit cards with Chase, one a Visa, one a Mastercard. I have never been late with a payment, which was confirmed with a card member service employee, who also said oh, no maam, you always pay on time and are a good customer ... if it were based on payment history you would be top customer, and occasionally pay more than the minimum. I am sick because they raised my APR to 29.99%! They claimed that my current debt to income ratio is too high. Well, they gave a 10,000 limit and I almost maxed out, that is partially why. I have 4 children from daycare to 1st year in college, of course I have debt.

Well,like so many consumers with Chase (and others) credit cards,my interest rate jumped from 7.99 to 27.24 % despite never missing a payment.They said it was due to the credit report and I showed a slightly higher dept to income ratio than their standardwould allow.Too be fair to Chase,after much complaining and telling them that this was BS they said they would drop interest back to my original 7.99% after the next billing cycle and would be refunded the extra interest,this all remains to be seen.If there is a class action lawsuit against this thievery please post it here somehow.

I received letters from Chase that my interest rates were raised because of inactivity and high debt. The inactivity is because I am trying to pay off the high debt.

I received a letter that Chase was increasing my interest rate on my credit card to 29.99%. The cap on credit cards in Florida is 18%. When I called they said that they are a delaware corporation and exempt. I want to know what banking or federal department I can file a claim with. I have no bad debt, foreclosures, bankruptcy, late payments, over-limit amounts and in most instances I pay all bills early. The card will be paid off shortly and I have cut the card in half but that is not the point. These institutions should be fined and excess interest repaid to customers and they should be brought to task for their loan-sharking tactics against unsuspecting customers.

Wow! I thought I was the only one Chase did this to! I've had a credit card with Chase for years. I refinanced a few years back and paid them off. I called to close the account after I paid them off and was transferred to another department. They CONVINCED me to keep the account open at a fixed rate of 6.99% forever! Well little did I know that 'forever' was until they ran a periodic credit report on me which advised them I had a high debt to income ratio resulting in their increaasing my fixed 6.99% rate to 27.99%. Oh yes, this I was told AFTER I put a LARGE purchase on the account for some emergency home improvements and AFTER I received a statement where THEY increased my minimum payments to HELP ME pay off my balance sooner!!! Oh yes I did call and they then ALSO informed me they had LOWERED my available balance. Which of course took me over my available limit! They were 'helping' me!!! Wow... with all this help, I'll be in debt forever! They are a rip-off! They are fraudulent and should be shut down.

I have been a Chase cardholder for several years. They kept trying to raise my fixed rate a few years back and told me the only way to lock it in was to close my account and pay off the balance. My balance is over $13K at this point and even though I closed it to lock it in at around 11% or so, it has crept up 1/4% each month. It was up to around 16% -17% and last month we decided that since we almost had enough to pay it off, we would skip one payment and make a HUGE payment this month.... then we got our newest bill. Not ONLY were we charged the regular $39 late payment fee (which i expected) our interest rate was raised to 29.99% -- WHAT THE HECK!

After opening an account at 6.9% and making a few payments the company suddenly raised the charges to 29.9% based on information from c/c reporting agencys.

I applied for a Chase credit card which gave me an introductory APR for 12mnths of 0% on purchases and balance transfer. so i applied to transfer all my balance from my existing card (12.99%) to chase. after a week they sent me the credit card which said the card has introductory apr for 3mnth only on balance transfer and after that 22% apr. for purchases 19.99 starting day one. i called them up immidiately and talk to them. they said i didnt qualify for the 12mnths so they gave me this offer. i told them its not going to be any help to me and asked them to cancel the balance transfer. they refused to do so and now they have charged me 75$ for the transfer and i have three months to pay my balance or pay 22% apr!

Chase sent me a notice saying they are increasing my Interest rate again. It is already 26.99 on purchases, transfers and a variable of 31.99% Is there no Cap on interest rates? I spent over an hour calling long distance and never got any answers!!!! They told me that they had been looking at my Cr Report and think that I have High Balances on other Cr. Cards so they decided to increase my interest rates again. They use the Prime rate + 18.99% and 23.99% Where is the CAP on screwing the public???? I have always paid my bills before due yet they pull this on me.

In March 06 Chase sent me a letter telling me that they were raising my rate as well. I called them and explained that I have been a card holder for over 3 years at 13.99% and I was never late. Jenny (the customer rep) told me that there was nothing that she could do for me. She claimed that I had too many credit cards and my new rate was going to climb to 31.99%! I told her that if she did not lower my rate I would close the account and never do business with Chase again. She did not care and neither did her supervisor. I closed the account and paid off the balance. I’m 35 years old and I will NEVER do business with Chase again. If I stop one person from falling victim to this company, it will be worth it.

I have been a Chase credit card account holder for a few years. I opened a credit card with a balance transfer offer of 4.99% interest rate on transferred balances. I also continued to use the credit card for monthly purchases as well. I have never been late with any of my payments and I never payed less than the minimum amount due on my account each month.

I have spoken and mailed a certified letter to the creditor, informing them of my financial difficulty. I also volutarily mailed my disability award letter to them, asking make some type of monthly payment because I cannot afford 272.00 a month with a 29.99% APR on a 6000.00 bill. They would not listen, gave me the deaf ear, they won't accept the 25.00 I can afford and if more on a particular month I would, they wouldn't agree.

I have had my Chase card for several years. I have always made my payment on time and kept my account in good standing. Last fall I inadvertently exceeded the maximum limit. Chase immediately raised my interest rate and increased my payment. I called them to see if there was any way that I could get them to lower the interest rate again. I assumed that since I has been a good customer that they would be willing to work with me. Not so! And I was told that I could not opt out of the changes to their policy because I had exceeded the limit.

I found my Chase credit card was charged for several months of service fee for buyers confidence and Trilegiant. I never enrolled the service from these two companies. I contacted these two companies and they don't have any evidence that can prove I agree to enroll their service. Buyers confidence agreed to refund all my money back and I am still dealing with Trilegiant. Just search the complaints in your website and found many chase card users have the same problems as me. I called chase customer service. They said they will do nothing but transfer me two these two companies. I feel not safe to use Chase credit card.

I have been a very good customer with this company sine 1996. I have never defaulted on a payment or went over my credit line. I have almost always paid more than the minimum payment due. The last two years we have been starting our ouw business & we have had multiple family crisis, including the death of a grandson, therefore we have used our credit cards more than we would have preferred. However, if the crisis after cricis had given us enough lapse in between we could & would have paid them down, as we have always done in the past. I used some of their promotional checks leaving a balance of alittle over $9,000.00 at the regular interest rate.

I have been with Chase approximately two years. I have always made my payments on time and have made payments as high as $6000. I recently received a notice that Chase increased my spending limit, since I have been such a good customer. However, as of two months ago my APR went from 11.24% to 29.99%.

My interest rate flew through the roof because Chase decided to do a credit check on me. I don't have any knowledge of them doing this.

My husband and I have had a Chase Card for 5 years. Our Bank One card was transferred to Chase as well. My husband lost his job and we still continued to make the payments and paid over $600 in over-the-limit fees that they charged us on our platinum card.

I pay my bill via the internet. My bill was due on Sunday so I paid it on Saturday I complained that the statement says the due date is Sunday and the account was paid a Day Early. I told them no where on the statement does it say that I need pay on Friday instead of Sunday. I also told them they if due date is Friday to put that date on statement. What if boil down to is that they are putting a date on the statement, that if paid on the due date they will charge you a late payment penalty. What they are doing is deceiving and probably Fraudulent.

Two months ago, I opened up my credit statement from Chase Bank to find that my minimum payment had gone from $225 to $316. Chase says they mailed me a letter last October notifying me that my APR was going from 9.99% to 21.24% based on my credit report. I had until December 1st to opt out (meaning, keep the current rate, but close the account).

Without our knowledge or approval, or ANY notification whatsoever, CHASE increased the APR% rate on our closed AOL credit card account from 11.49% to (sit down, please) 26.24%! This is more than DOUBLE and is a rate that can only be associated with loan sharks (at least where I grew up in New Jersey) and predatory lending practices, willfully designed to keep consumers trapped in a cycle of debt. In my opinion, CHASE's actions are obscene, unethical, and immoral and I say should be illegal.