Chase Credit Cards Reviews

They raised my minimum payment this week from 2% of balance to 5% of balance, just like a lot of people apparently. So now, I have $300 a month increase in payment; I can't do it! This issue needs media attention! I've notified my congressmen and senators, but this needs media attention. Anyone knows how to get it?

The idiots who received federal financial help and who is retaliating against American citizen card holders for the New Federal Credit Card Law is now demanding that I increase my minimum of 2% monthly payment to 5% minimum monthly payment after suckering me into a prepaid balance transfer fee for small interest rate for the duration of the transaction on 2 different Credit Card accounts with Chase Card services!

Chase raised from 2% to 5%. This is what will happen. I am a victim of this economy--job and unable to find one without 100% commission. I will be unable to pay, period. End of story. Why didn't I get an opt out just like all the others? My credit rating is 760, and I've been able to maintain that through all of this. This is the last straw.

Chase Bank has raised the monthly minimum payment requirement from 2% to 5% on a pre-existing low interest rate loan, in which I have always paid on time. I want to opt out, and Chase Bank says no. No is rarely ever said when it comes to opting out. I therefore want arbitration. Please join my Chase Bank Protest. This will completely ruin my credit when I can't afford to make the additional $270 a month increase in payment and cause me to lose my home as well.

I got a notice that my minimum payment went from 2% to 5%. I have a low APR of 5.53 until it is paid off. So I figure they are doing this because they can't do anything about the APR. My payments are going from $219 to $549. I won't be able to pay this every month.

On June 23, 2009, I received a notice from Chase Card Member Services indicating that as of August 1, 2009, the minimum payment on my balance was being raised from 2% to 5%, a 150% increase. I called customer service and was told that there was nothing they could do. I have been a Chase customer for more than 20 years. I have never missed a payment nor been late on a payment. I always pay more than the minimum due and have always declined when they have invited me to skip a payment. I cannot afford this new higher payment and it is likely to put me in default and destroy my good credit rating. Is there any thing that can be done to stop this outrageous practice?

I used low interest rate balance transfers for life of the loan and have met all obligations set forth. But now, they are raising my minimum payment from 2% to 5%. This will more than double my payment. If Chase was unable to carry the low interest loans, they should have never put the offer out there again and again. I view this as a bait and switch con game. I have honored my end of the contract, do they really want people to default on the loans they have been paying diligently on? This is going to create a financial hardship and I honestly don't know if I will be able to swing it. Not to mention, I have lost all faith in fair business practices.

I received the notice from Chase credit card in the mail yesterday about the minimum payment going up from 2% to 5%. I have had my credit card since 1994, in good standing, never a missed payment or was I ever late. I took advantage of balance transfer offers with their life-of-the-loan low interest rate offers of 2.99, 3.99 and I think 4.99. I used the card as debt consolidation and some pretty unexpected things came up where a substantial amount of money needed to be paid immediately.

I have read the forum and see I am not alone in that Chase, whom I have been a great customer, has duped me. They did the same to me and raised my payment from 2% to 5% for no reason. I have good credit and always pay my bills on time. My choice is to pay the increase or have my low rate raised to 12%. A lose, lose situation.

Same problem as everyone else! I’m a good customer for 10 years. I have a 4.99% interest rate for the life of the balance and automatic deduction from my checking account so it's never late. I make no other purchases with this card, so their plan to make it up by collecting a higher interest rate on new balances while my payments go towards the "intro" rate backfired. Payment is going from 2%, $514 to $1,286 in August. I was told by Chase that they needed to get their money back quicker and that this was for all cardholders.

Like so many others this week, Chase raised my minimum monthly payment from 2% to 5%. I believe it was the good old "bait and switch" scheme on their part. Since they could not raise the 3.99% interest rate they got so many people to borrow money with to pay off higher interest rate cards with, they raise the minimum payment by 150% knowing full well that many people will not be able to make the new monthly payments. As such, they now can and will raise the interest rates to the default levels approaching 30% APR. Most likely, this was planned all along to get people to miss payments so they could raise the interest rate on the balance! I was considering refinancing my house using Chase, but I now know better to have any dealing with them. Fortunately, I will still be able to make my new minimum payments so they will be out of luck with me and will only accomplish losing a long term customer (one who always make his payments on time).

I as well received a notice that my account with a fixed rate of 5.99%, till paid in full, will go from 2% to 5% on August 1, 2010. I called and told them this was crazy, I have never been late and always paid on time. I have always sent in more than required by minimum due. All they heard was I was not going to pay. I could qualify for a hardship payment fixed at $247.00 a month instead of $435. It would go from $160.00 minimum payment. My interest rate would also go up to 15.99% and they would cancel my card, due to being in default on my account. They are trying to put us in the poor house. If we default, they can add extra fees every month. This is just wrong.

Chase sent me a notice stating they were increasing my minimum payment due from 2% to 5% of the ending balance on my monthly statement. This would make my payments increase from $276 to $690 per month. I believe they are doing this because I have an effective rate of 5.57% until balances are paid in full. They are trying to make cardholders unable to afford the payments in order to get them to default and Chase would then be able to increase their interest rate.

I, too, got the notice that my 2 Chase Cards minimum payments were going from 2% to 5%. Reading the fine print, they justify this by saying that because of my low fixed interest rate, they have to raise the minimum to maintain their "profitability". I took out this loan because it was offered a way to consolidate my debt at a manageable amount.

I was informed my rate will be going from 2 to 5% on minimum balance. My payment will increase substantially. These were low interest transfer loans APR of 4.99%.

Same thing! I have had a low 4.7% card from Chase for many years and have always maintained it carefully. Today, I received a notice from Chase that my minimum would go from 2% to 5%. While this will be hard, in some ways, it will be good because I'll pay the card off sooner. After that, I will never use any Chase products again! Please get the word out: do not bank with or use any Chase products!

I just received a notice from Chase increasing my minimum payment from 2% to 5%. This is absurd at this current economy. I will be considering Bankruptcy since I need to make sure that I can still feed my kids and send them to schools.

I too received the notice about the minimum payment raising from 2% to 5%. Like many others, I have a very large balance at a low locked in until paid rate. I have been a loyal customer of Chase who has always paid on time and usually over the minimum. My current payment is $640 per month and will increase to $1700 per month. I cannot absorb that big of an increase. I am very angered as I entered into an agreement with Chase based on specific terms that I knew I could handle and I have always held up my end of the bargain. It isn't fair that they can change the terms without me having to agree and without me doing anything wrong. I asked about closing the account, thinking that would lock in the original terms, and I was told that if I asked for it to be closed, it would be due in full in one month.

I just received a notice in the change in the minimum payment. They are raising it from 2% to 5%. I have a low interest rate, good until the loan is paid off. I have not defaulted on any of my payments. How is it they are allowed to charge you a few to transfer your money to a low rate that is good for the life of the loan and then now allowed to change the terms of repayment?

They raised my payment amount from 2% to 5% on an account with no late payments or problems. No other accounts have problems either. No reason other than they are greedy. I will be considering Bankruptcy since I need to make sure that I can still feed my kids and send them to schools.

I received a notification that my minimum monthly payment is increasing from 2% to 5% a month. This is a 150% increase on my minimum payments or an additional $750 a month! I spoke with them about this as I have never been late in any of my payments and actually pay more than the minimum in one of my two accounts to bring that debt down faster. The only option I was given (aside from selling my body parts) was to close the account and pay the balances within a month! My current interest rates are 3.99% and 4.99%, and since they can't raise my contract, they are trying to force people into defaulting so that the rates can be increased. This is a preemptive strike from Chase before President Obama passes legislation to stop their predatory practices.

As a loyal credit card customer to Chase Bank, imagine my surprise when they changed the payment due date without any notification. This was done while I was in the hospital during my daughter's open heart surgery. Therefore, the payment ended up being late. As a result, my interest rate went up to 29.9%. Upon speaking with a representative, they assured me that if I made six on-time payments, my interest rate would be lowered. Ten months later, they insist there is still nothing they can do and the interest rate will remain. It is my belief that Chase is engaging in deceptive practices that hurt consumers.

We have a Chase credit card account and about two years ago they sent out a mailer urging me to consolidate my debt onto their card with a low minimum payment and low finance charges. We put several credit cards onto theirs and have missed no payments and have had no problems. Yesterday I got a notice in the mail that they were raising the minimum payments from 2% to 5% of the outstanding balance. This would raise our payments from $411 to $1050.

I was charged a membership fee of $75 on 1/1/2009. My account was closed by the bank on June 6 because they said, “The balance owed on the revolving account id too high.” Although amount owed on the account closed was only $8.64 on a $15,000 credit line and no payments had ever been late. The bank states that the fee is non-refundable because I did not notify them that I wish to close my account within 30 days of the date they mail me my statement on which the annual fee is charged.

I received the notice from Chase regarding the increase in minimum payment due from 2% to 5%. I have been a credit card holder since 1999 or so, have always paid on time and had agreed to a 4.99% rate for the life of the loan (consolidated other debt) and a 2% payment. The new policy will increase my $185 payment to $462 - that's $277 more per month when I am already struggling in this economy.

I took advantage of a low interest rate offer and consolidated. I have been paying on time, never late with the intention of paying off the entire balance. My payment will go from $410 to $1000 a month. I will not be able to pay it.

We received a notice from Chase increasing our minimum payment from 2% to 5% beginning August 1st. We had a guaranteed locked rate for the life of the loan as long as we're not late on a payment. I take my credit very seriously and even with losing my job last week, we were still cutting back everything including food and gas to make our payments and honor our commitments.

Like so many others, I too received notice in the mail yesterday that my minimum payment will now be raised from 2% to 5% this coming August. I haven't called to complain as I am well-versed in the rudeness of Chase customer service and already realize that it is a worthless endeavor to attempt as it will get me nowhere in regards to reversing these terms.

I also was notified that they are raising my minimum payment from 2% to 5%. That's a 150% increase. I transferred two other cards to this account because of the "Great Rate" with Chase's urging to take advantage of it. Dire economic disaster.

I received notice today of minimum payment going from 2% to 5% on my low fix rate for life balance with no opt-out! Some consumers had an opt-out option included, mine did not. I always pay $200 more than the minimum each month so I knew when it would be paid off. Now, I will need a loan to make the extra amount each month until it is down to what I was paying then. I am going to milk it forever and never pay more than the minimum just to drag it out on them! I will never use the card again. My payment went up by 250%.

Same story as everyone else. I have a few Chase CC. I received the notice on two of them today raising my minimum from 2% to 5%. I, too, have 4.99% interest rates on the cards until the balance is paid. I've never been late and have excellent credit scores. So, the minimum payment was $645 per month and now it will be $1575! I heard about their immoral practices several months back so I was actually watching for it. I will try to pay for now but if I ever get them paid off, I will not do business with Chase again.

I received notice on June 23 that Chase was upping my minimum from 2% to 5%. I had been paying more than 5% until my April statement, when I paid around 4%. I was starting to build up my cash reserves. The increase is not a big deal for me. I'm just glad the NY Attorney General got them to knock off the $10 monthly service fee. Also, my electronic payment for the April statement disappeared. Thank God, I pay on the day the new statement comes out and follow up on the payment. If Chase had gotten away with that, my rate would have gone from 3.9% to 19.9%!

I have a Chase Credit Card with a low 3.99% APR. Since they cannot raise my rate, they more than doubled the minimum payment from 2% of the balance to 5%. I was informed today by mail. I had combined my bills due to their low rate. I have always paid on time and last month I had an option to pay 0, I paid my regular amount anyway. With this payment being raised I will not be able to afford a new GMC truck purchase this year. The banks get the government bailouts and they do not help their customers. Due to this, I will switch all my banking to a credit union.

Chase sent me a notice today notifying me that my minimum amount due would increase to 5%. This changes my payment from $466 to $1,145 per month. This is outrageous! I was basically told that they could offer me a 5-year payoff at more than my minimum now and extending the length of the time to 5 years. How can this be legal? They were not able to increase my interest rate since I was in a fixed rate and I always pay on time and more than the minimum. Something needs to be done about this. Where is all the stimulus money? I feel that this is a way for them to make more money on the consumer--causing them to default and deal with increasing interest rates, late fees and over the limit fees. Please help!

I also received a notice that Chase is increasing my minimum payment due from 2% to 5%. I called and was told that there is nothing I can do. Like others, I have always been on time with payments. This is so unfair.

I got a notice from Chase, and so did my sister who lives with me, that they were raising my minimum payment from 2% to 5% effective 8/1/09. We have a total of seven credit cards from Chase. I called Chase and the supervisor said it was because of economic situation. We cannot pay the difference every month for these bills. For example, if you owe $9,000 on one card, you have been paying around $200.00 and now, you will pay $500.00 and that is only one card. They lured us in for 10 years by giving us low 3.99 or 4.99 interest rate for the life of the loan. And so we thought we were protected and did balance transfers from other companies to secure our future. We did not even use these cards for purchases, just balance transfers.

I just got off the phone, 1 hour and 20 minutes after I first dialed. I was offered a 5-year consolidation plan. Basically, they raised my rate from 4% to 6% and closed the account, but my monthly payment of $330 remains the same. I can't say I'm dissatisfied. Debt sucks!

I can't say that I am surprised. I also received a notice today, that my minimum payment would jump from 2 to 5 percent! In my case, that's from $360 to $900! Needless to say, I can't afford that. I called customer support and spoke to someone from India who told me I didn't have the option to close the account and pay off my balance at the current terms and conditions (3.99% until paid in full). I got bumped to his supervisor, another Indian but with better English proficiency, and got told the same story. I told her I couldn't afford it, and she transferred me to the Hardship Dept. As I write this, I have been on hold over an hour, listening to an irritating loop that replays every 20 seconds. And, I swear, the loop says that my call may be recorded or "monstered".

Chase announced that they are raising minimum payment from 2% to 5%, more than doubling my minimum payment, which I cannot afford. I consolidated all my cards to save money based on an earlier offer and now, they are changing the rules because they can. This is wrong and will force many into bankruptcy or severe hardship. A class action is likely the only way to make them honor their original terms. Please help. I just got the notice but my payment will go from $500 to $1,200 and I cannot afford that. They will likely raise my interest to 29% and keep me in debt for life.

I received a letter from Chase raising my minimum payment from 2% to 5%. This is totally unfair and unacceptable. My monthly payment will more than double. I wonder how much interest they will get from me from a bankruptcy ruling.

I received a notice in the mail that my credit card payment was going up from $180 monthly to $435. I have a very low fixed interest rate on both cards and since they couldn't raise the rate, they raised the payment to 5% of the balance. I am retired and this means that I will be not be eating very much in the future. I just retired and I had planned everything out. I have always paid my bills on time and planned to continue to do so. This $255.00 extra is my grocery money. I don't know what to do. I feel sick just thinking about it.

The same thing happened to me today. They raised my minimum payment from 2% to 5%. That's a 150% increase. This is unfair in an environment where they are borrowing money from the federal government at 0.25%, and getting all sorts of other government assistance (bailouts and loans on very attractive terms). I have filed a complaint directly with the FDIC at **.

I too received the notice today from Chase Credit Cards regarding the increase in the minimum payment from 2% to 5%. I was told by customer service that it was due to the poor economy and was referred to their economic hardship dept. There I was told I could possibly renegotiate a lesser monthly payment but my interest would go from 3.9% to 21.99%. I was told that out of over a billion credit card holders, 850,000 were affected by this change.

Like Jack of Texas, I have $40,000 in credit card debt with Chase at 3.99%, which by contract they cannot change. Now they increase the minimum payment from 2% to 5%, arbitrarily and without explanation. This increases my required payment from $800 to $2000, which will be impossible for me to do. If I can't make a payment, my interest rate would go to about 23%. Strangely, by their new rules, the minimum payment would now be about $1000, but at an interest rate that will never allow the debt to be paid off. What did they do with their stimulus money? I'm going to ask Mr. Obama, Max Baucus, my Senators, and my Congressperson and the New York Times. Perhaps they can explain it to me.

On Tuesday, June 23, 2009, I received a disclosure through USPS from Chase regarding "Important change in terms notice enclosed - Please read". Out of curiosity, I decided to read the disclosure only to find that the change in terms were very unfavorable for myself as a cardholder. I personally do not carry a balance on my Chase card but still would prefer to keep my interest rate at a reasonable level. This notice was to inform me that, "The standard APR for purchases and balance transfers will change to a variable rate: Prime Rate plus 15.99%, which as of May 17, 2009 would be 19.24%."

I have had a Chase card for many years and have a fixed rate loan (about 4.7%) until the loan is paid off. I have always paid on time and paid more than the minimum due. I have never been late on the card (or any other card). I got a notice in the mail today from Chase and they will be raising my payment from 2% to 5% in August. I guess they want the money back as soon as possible in these distressed times that adds about $600 to my payment. On the bright side, it will be paid in about two years.

I just received the notice in the mail yesterday about the minimum payment going up from 2% to 5%. I have had my credit card since 1999 in good standing, never a missed payment. In the past year, I took advantage of balance transfer offers with their life-of-the-loan low interest rate offers of 5.99% and 6.99%. I basically used the card as debt consolidation this year in lieu of the economy, wanting to close some other accounts and just use the Chase card to pay this amount down. I am horrified at the new 5% minimum! This will increase my payment by about $475 a month, an outrageous amount! I feel duped that I took advantage of using this card as a debt consolidation tool. I am also trying to qualify for a home loan and this will of course, put my debt to income ratio completely out of the ballpark to even be considered for a loan - that is, if I can actually make the payment! And that's another thing, how do they expect people to be able to make these payments? Are they hoping people will default?

I have a Chase Visa credit card that I have transferred money to to pay off at a 4.9% interest until paid in full. It has a 2% of the balance due each month. I have received a change in terms today, that in August will be 5% minimum due on the balance. They have no option to opt out and pay the balance under the existing terms. This could put me in default since it would cause my payment to more than double each month. I do not want to use the card. I just want to pay it with the terms I agreed to when the card was issued. This is outrageous not to give consumers an opt out option on change in terms. Being on a fixed income, this could prove to be an economic disaster to many consumers. Please take action.

I received a notice today that my minimum monthly payment will increase from 2% to 5% beginning August 1st. I have a balance on this card and a 4.99% for the life of the loan interest rate. So they now want me to pay more than double my minimum payment! How can they do this? Do they want us to default on our cards so they can increase our interest rate? Bad practice! Bad business! With this increase, my minimum payment will go from $323.00 per month to $800.00 per month!

About 6 months ago I got a call from a Chase bank representative pushing a deal at 3.99%. I borrowed $5,000 to pay off higher rate debts and paid a fairly high fee. I think it was around $250. The 3.99% was to be until the balance was paid. Today, I got notice that the minimum payment due will increase from 2% to 5%. When I called to find out if this was for real (this is quite a scam), I was told that I should buy identity theft protection from them. When I told the man that I did not want to buy anything, he hung up on me. I called back and spoke to a woman. She did not try to sell (scam) me anything but she did say that if I did not want to pay more than double, maybe I should look at other options to pay off the balance. Had I known that I would be put in such a hardship by Chase bank, I would have told the man that called to scam me six months ago to go straight to hell.

I have the same problem as others. Very low, "lifetime" rate resulted in a monthly minimum payment change from 2% to 5% of balance -- a way to force some into default, in my view. I was offered a 7.9% rate to keep the 2% payment, with no guarantee, this would remain in effect either. They stated that they were relying on OCC guidance to increase customers' principal repayment amounts and avoid negative amortization. My payment is already 90% principal because of the low rate and the higher rate offered is in direct opposition to the quoted guidance. I believe their quoting the 2003 guidance qualifies as a deceptive practice. I have filed a complaint with the OCC and suggest others in the same situation, do as well.

I received a notice that my minimum monthly payment would increase from 2% to 5%. I have consolidated all my credit cards into 3 cards, two being Chase cards. 90% of remaining balances are 4 to 6%. I called customer service and they advised that there was nothing they could do about it and that they had to recoup the money that they had lost in last 9 months. I asked what I should do since my payment would increase from $500.00 to $1400.00 on one card and $350.00 to $850.00 on the other and there was no way I could handle that. They transferred me to a phone that never answers. I have tried back numerous times to no avail.

I got the letter today saying they are raising my minimum payment from 2% of my balance to 5% of my balance. I can't pay it. I will continue to make my payments of $100 over previous minimum until they raise my interest rate and then I will have to quit paying. I have excellent credit and have had this card for more than 10 years.This is totally wrong and should be illegal. Where do we turn for help? This will ruin my credit that I have tried so hard to maintain and it is through no fault of my own.

I have had two Chase credit cards for quite a few years. One with no balance at all, and the second one with a very high credit limit, that I have used in the past to make purchases and paid off completely several times--and it also was without a balance for several years. Last year, I was enticed by their balance transfer offers of a fixed percentage rate until paid off and transferred my other cards to Chase, resulting in a fairly high balance. I must note that I have never missed a payment or paid late.

I received a notice that my payment would increase from 2% to 5% of my balance, beginning on August 1, 2009. This would raise my payment from $247.00 to $619.00 a month! We cannot afford this, we do good to pay $247.00. We have done business with them since 1993. We always paid our payments on time and never late. Sometimes, we even try to pay a little more than the minimum payment ($280.00). They told me they did this to all of their customers!

I received notice in mail that they are changing our credit card terms and requiring 5% of the balance for payment instead of 2%. I have never been late. I always paid more than required and they are not honoring the terms of this balance transfer. When I called, I was treated as though I was trash and told “Too bad, pay it or we will send it to collections.” I have three accounts with Chase, two of which I owe no balance. We pride ourselves being able to pay bills on time. They have to honor their agreement! Help. We will not eat. This will increase my payment three times the current amount. It has caused stress due to the fact we did nothing to violate this contract. How can they do this? We have just cancelled our vacation and will hit for our deposit. This is crazy and totally insane.

I am writing in reference to the three active credit card accounts that I have with Chase. An incident took place today via telephone with two of their representatives in the credit department. I was recently informed via mail without reason or clear justification that the credit lines would be cut down to basically the existing loan balance carried on each--essentially shutting down my use of my card.

I also received the Chase "notice in change of terms" letter. I have had a 4.99% locked in rate from several years ago. I pay on time all the time. I was told by Carol ** (wouldn’t give last name) that the Office of the Comptroller of Currency (a government dept.) told them to raise their minimum payments to clear their books.

Chase has increased the minimum payment due for 2.50%! That's almost tripling the current amount (currently at 2% of the outstanding balance increasing to 5%). I have never been late on the account nor have I ever gone over the credit limit. It's the exact same comment I've read from others; since I'm locked at 4.99% for life. They want the money back quicker. Poor Chase. With all that TARP money and their borrowing rate lower than ever in history, how can they afford to honor their contract with me? How is it that they can change the terms of the contract when I haven't breached it? I guess this wasn't one of the consumer protections in the Credit Card Accountability, Responsibility and Disclosure Act.

I called Chase Bank several times about my credit card to advise them that I was out of work at the time. Then, I found a job in November 2008 so I called Chase bank to see if I could work out a deal with them until I start getting pay checks and working. On or about January 8, 2009, Chase Bank turned me over to a collection agency called Frederick J. Hanna & Associates, P.C. They filed an arbitration against me and would not work with me.

I have been a Chase Visa customer since 1993 and have never been late. Over the years, they have sent me dozens of promotional checks to entice me to spend on my visa. I have done so and now I just got a notice that my minimum payment will be 2.5 times what it currently is. From $461 to $1152. I used the checks based upon the knowledge of what my monthly payment would be. To arbitrarily change the minimum is inexcusable. The charges on my account are at a 4.99% interest rate. I believe this is a blatant attempt to induce a default on my account in order to raise my interest rates. My current 4.99% rate is guaranteed by the rules off the promotion so they are going through the back door. I called the card member service number listed above and Lewis said I must write to Chase card member services.

I have a Chase credit card with about $16,000+ debt. I received a notice that Chase is changing the minimum payment from 2% to 5% of the balance, which would raise my monthly payment from $333 to $843 per month. I called and told them that there is no way I can make that kind of payment monthly. I have a very good credit, a FICO score of 798. I pay my bills on time and have a low interest of 4.99% with them.

I recently received a notice that my minimum payment due will increase from 2% to 5% of the total ending balance. I called Chase to discuss this but received no helpful assistance and was referred to the hardship department. I believe the change to my minimum payment is because I have balances on fixed rates that should not change until the balance is paid in full. The 5% rate will force me to pay about $500 a month than before. I am a student on fixed income and I am going to find this change very difficult to make, if not impossible.

We have A1 credit rating, and with the new rules in place, they cannot raise my interest rate so they have raised my minimum payment from 2% to 5%. We have a 3.99 fixed rate until the balance is paid off and I guess they don't like that we have never defaulted so they are getting us another way. Our payments have gone up by 250 percent. We have always paid more than the minimum payment. This is completely uncalled for and unfair. What good is a contract if one party can change the terms whenever they want and the other has no recourse? Congress has recently passed laws that prohibit this but the credit card company says that it isn't in effect until July 2010.

I received a notice in the mail of changes to my account. The key change is minimum payment due will increase from 2% to 5% of the ending balance on my monthly statement but will not be less than $30, unless the total balance is less than $30. I was informed by the supervisor that there is no option to opt out of this change and that there is nothing they can do, except have me contact their Hardship Department.

My wife had accounts with WAMU. They gave her a visa card. She put my name on the card, which I have used for several years. My wife died in February of this year. Now Chase Freedom Visa, I do not follow in a timely manner due to the grief the process to transfer the account to my name. Last week, the account was closed. I am attempting to reopen the account in my name. In the meantime, the 19,000 points we had accrued have disappeared. I have been told that since the card was in her name, even though I had used it for several years, the points "could not be transferred to me or her estate". Chase credit card and banking has just lost my business. I will transfer all IRA accounts to other banking institutions upon maturity.

I have A1 credit rating, and with the new rules in place, they cannot raise my interest rate. So they have made my minimum payment from 2% to 5%. I have a 3.99% fixed rate until the balance is paid off, and I guess they don't like that I have never defaulted. So they are getting me another way. Now, my payments have gone up by 150%. I really don't know how I will cover such a huge increase in my monthly balance. Payments will go from approximately $260 on 2 cards to approximately $600.

I closed my Chase Credit Card accounts in late March 2009 with a balance of $1,228.93. My next statement had the following quote. "Your account is closed. Please continue to make monthly payments by the due date until your balance is paid in full." I paid the balance in full in 4-23-2009. This included interest of $20.40 and a $39.00 late fee for paying my March 2009 bill 1 day late. The one day late was due to switching my account from paper to electronic statements. Never in my history was I ever late with Chase. They would not reverse the charges so I closed three accounts.

I was making my payments on time to Chase. I had 0% financing, I did not receive a statement, and missed a payment. I called Chase reporting the fact that I had not received the statement and needed a due date. I was informed that my interest rate had gone up because of the missed payment. After explaining the situation and making the payment, as a one-time courtesy, they reinstated the 0% APR. On the following month, I did not receive the statement again. I called and was given the same routine. I have not had problems with any of my mail but Chase.

I paid off my balance about a month ago. Two days ago, I made a purchase for $150. I tried to pay on their online site but it takes a 2-4 days for any transactions to appear. I got two different transaction fees: a small one ($1) for the previous balance of $1,400 at 10% and a larger fee $3 for having a $150 purchase two days on my card. They told me I pay for my interest as it accrued last month then they told me I'm pre-paying my interest (finance charges) in advance before it accrues this month (with no grace period). To add insult to injury, the minimum finance charge is $1 per month. This might end up being a perpetual ongoing nightmare of interest debt! This is usury. According to the representative, they are double dipping by taking my interest from previous and my interest in anticipation for the current cycle, collecting it at one time.

I was offered by WaMu Bank a credit card with a low interest rate a few years ago. WaMu now has been taken over by Chase Bank. I lost my job last year and it caused my financial difficulty. I recently just got a job. I had one-time late payment in March. Chase Bank increased my interest charge to 29.99%. I called the customer service and the rep was very rude to me. She basically told me this is their new policy and she can't help me for that. She then hung up without further explanation. This is like a "loan shark" now—bank with a 30% interest. This is not helping us in this tough time, but they are ripping us as much as they can. I owe about $4000 with Chase. With 30% interest, it is more than $100/moth interest. My old interest rate is less than 10%. This is like 2 times more.

My payment was due April 5th. We use online bill pay to pay our bills and the payment took longer in its processing than normal. They received the payment on April 7th. I was never late before and have not been late since. My once pleasant APR is now 29.99%. They were nice enough to reverse the late fee, but refuse to use any common sense or good judgment to retain a historically and present good client that actually pays her bills and re-adjusted the APR. I went through two anti-customer service agents who touted the company line well and finally got to their anti-customer service manager, Tristan, who soundly touted the same borg-like, "we can't actually think and make good business decisions" line and then quite finally hung up on me. Mind you, I never used profanity or raised my voice to these people. I simply was presenting a strong argument they had no reasonable recourse for, so they just had to hang up. Nice one Chase. I will have that account paid off next month and will never, ever use Chase again.

I had WaMu credit card at 17 APR. Chase took over and my APR is now 39.99. I had a late payment with WaMu but they did not raise the APR. When Chase took over, they said they did not receive my online payments and charged late fee then put me over my balance. I called a few days later to raise my credit limit, to avoid the over balance fee and paid them enough to cover it and was told, that stopped the over balance fee. Lies, all of it, I still had to pay fee.

I called due to the fact I had a late fee for June 2009. I paid $150 more than the minimum amount on May 22, 2009. The company informed me that since I paid an amount before the billing cycle, it went to principal and not my payment. I paid early and extra trying to pay of my card and I got penalized for it. This is not right. They charged me a $40 late fee for June 2009 when I paid that payment on 05/22/09.

My bank Washington Mutual was taken over by Chase. I had savings, checking and two credit cards with them. Within months of the takeover, my credit card interest jumped from approximately 12% to 29.99%. I made an error in online banking and paid one credit card twice, which made it appear that I was late on the other account. When I got the statement showing the increase, I was outraged.

They want to raise my rate by 10%. I say no. I'm going to close the card. I'm dumping them.

Chase arbitrarily raised my APR by 6 points without any justification. I have always paid off my bills on time and never had any late payments. Their justification was that they needed to maintain profitability on my account.

I started off with a credit line at $5,000. They lowered my credit line down to $4,400 then canceled my card without telling me. They cleaned out my checking account by taking what they wanted. I have no checking account and I almost owe the company double now. I hardly owed anything. Now, I owe twice the amount. How do I pay them off when I have no money?

Chase was the card holder for Circuit City. I had answered a request to stop bill mailing and continue with online services. Chase changed my due date earlier and charged late fees. I noticed when I paid online on typical due date. I called with response of charges would be dropped. The following month charges were not dropped and the due date was still earlier with another late fee added. I still made the payment. The third month, the same. I sent a letter demanding an explanation, there was no response. I calculated the amount due and paid off the account online, minus the late fees. I sent certified letter, stating how I came to figure and requested account closure with favorable report. The response was; unable to process request as account had been closed. Months later, I am receiving numerous harassing calls.

They took over a company I had a credit card with and stuck me at 31% APR, which is crazy. My payments are huge for only a 5k cc debt.

the month's account balance) and, without any notice to me of the failure of that payment, a $39 returned payment fee, a $39 late fee, and a finance charge for the unpaid balance got added. The only notice is the next statement.

I got laid off in February, and just recently, I fell behind on my payments. My interest rate is 28%, and the card is closed. So paying it wasn't a priority. I tried working with Chase over the phone to work out some payment arrangement, at least temporarily until I get back on my feet, not before an associate told me that "I agreed to certain terms before I signed up for the card, so the reason why I couldn't pay was irrelevant." One girl I spoke to, who was very pleasant, put me through to the payment department to inquire of payment programs while I'm laid off. I was then told that my debt-to-income ratio was too high. Really? On unemployment? Who woulda thought. Of course, anyone's debt-to-income will be too high making less than $250.00 a week.

They raised my rate from 9.99% to 25.68% and I wasn't even late on my payment. My finance charges were $40 a month to $104.54.

Chase Bank has the worst integrity of any bank I've ever dealt with. I was a loyal faithful customer of WAMU for years and Chase took over and ruined our relationship. I always paid over the minimum due and was an excellent customer with WAMU. I went from a fixed 8.99% interest with WAMU to a 27.24% interest rate within three months at Chase and they lowered my limit. I closed the account due to corrupt billing methods and they never batted an eye. It doesn’t matter to them because they have just increased their interest income by two more people. I am now having to pay back triple the interest for years that I wouldn’t have while with WAMU. I also think that Chase was one of the banks that the present administration gave bailout money to. This is not right. This has hurt me economically because my minimum payment has doubled and 3/4 of the payment is now going to pure interest. This is like living with a domestic terrorist that steals your money everyday. I feel like I'm being oppressed by an illegal loan shark.

I was once a Chase business credit card holder. There was one transaction of $3000 on my Chase credit card that I disputed for the reason that I did not receive the service that I paid for. Initially, Chase promised to send my case to arbitration if the merchant (a business consultant) challenged my dispute. However, after the merchant did challenge my dispute, they sided with the merchant and refused to send my case to arbitration as they had promised. After I refused to pay, instead of bringing the case to court, they hired collection agencies to harass me.

About 3 years ago, I opened a Sears Club card to finance a purchase. I paid for the purchase in installments. I had no problems. Apparently, over the course of time, Sears Club's cards became an acquisition of Chase cards, and I received a letter and a new Sears MasterCard, which was to replace my Sears Club card.

Chase took over my husband's account from another lender and never sent a statement for over two months. During that time, he paid electronically $300 per month to his prior account number since he didn't know what minimum to pay and didn't want to be late. What he did get at almost 3 months was a letter stating that our interest was being raised to 29% because he failed to pay the correct minimum of $50 more. He spoke with 5 people and all said that there was nothing he could do. They acknowledged he never had a late payment and even that they were very late (or absent) in getting statements out, but he was still expected to pay the correct (although unknown) minimum.

I paid off an existing credit card with Chase. I had not used the card for 6 months. All off a sudden, I get a call from a collections co. that my account was charged off for nonpayment. I paid the collection co. immediately. I tried to talk with Chase to figure out how this happened. Chase will not do anything except refer me back to the collection co. which refers me back to Chase. I requested copies of the statements and to speak to someone in administration at Chase but to no avail. I have perfect credit. What can I do to get this charge off of my credit report?

I have been a Chase credit card holder for a few years now. My original offer was for 0% interest rate for the first 15 months and then becomes fixed at 8.99% for the life of the card as long as I pay as agreed (I still have my agreement and offer). I have always paid on time and never missed a payment or paid late, Chase will verify this is true. They just sent me a notice that they are raising my rate to 17.24%. The reason they are raising my rate is "in response to market conditions and to maintain profitability on your account". Please someone help me. I want to sue them and put them out of business. Well, if I can't get them to stop this, then I am forced to close my account and of course, that will negatively affect my credit and I won't be able to refinance my house, buy a car or get another credit card to replace the Chase card and so on and so on.

I had a zero interest loan through Circuit City, which was taken over by Chase banks. First, an insurance protection plan which was not supposed to effect the loan did, but they reset the 0 interest. Now after paying over $1000 to the $3400 owed, the April statement never arrived and the payment was late which kicks in about $900 in charges. I now owe them $3200. They refused to reset it again. Now, I'm stuck paying them 22.5 percent interest. Thieves!

My payment due date was Sunday 6/14. I paid my balance in full, but to make the payment reflect 6/14, they wanted me to pay $15. Since I was processing my payment on the 14th, I figured this wouldn't be a problem. I skipped the $15 and processed as is with Monday’s date. They charged me a $29 late fee. When I called to complain, they told me it was because I had paid after 4 pm. The confirmation that I paid came at 4:20 pm. The first customer representative said (from India, I am guessing) that there was nothing he could do. I didn't believe that, so the supervisor, who blamed me and was incredibly rude, eventually said as a one time courtesy, she would remove the fee. I find this practice to be extremely shady.

Chase Bank: approved credit card denied! On Friday, June 12, 2009, I was on Chase Bank (801 Mission Ave, Oceanside, CA 92054) putting money in my checking account. The teller asked if I would like to have a credit card from Chase as such one is already approved for me. I told her that earlier applications of mine with this bank have been already two times denied and I'm not very interested in. But she said that my credit card is already approved. As I'm a long year customer with WAMU (now Chase), I thought it would be not bad to have a credit card with this bank and was ready to talk about it with the personal financial representative Y. **.

My Chase reward card was closed without any warning or notice to me. I called and they said they mailed me a letter about it. My account was over the limit at the time. My main concern is that since 2004 I had been saving and earned over 92,000 reward points. I called today and was told the points are now gone. What recourse does the consumer have? Fine, close the card! However, I had been saving those points for years! Another Chase employee told me a week ago that after I paid my card down, I could try and get my account reopened and that even if my account was not reopened they could get the points back. Today, when I tried to reopen the account, they told me that it would not be reopened and that the points were gone. To add insult to injury, they don't lower interest rates on "closed" accounts and I am now left with a 29% interest rate on a balance of $15,000!

I've had a Chase VISA card for several years (it may have been another bank at one time, but who can keep track anymore), and always pay off the full balance of the card each month. This month, I was charged a finance fee of around $23 for late payment. When I called them, they stated that my April bill was not received by them until the 28th of the month. I told the customer service person that I had mailed her the check on the 16th of April (which I had), and that it was not my fault that they had not processed it until the 28th.

There is no other credit card bank as crooked as Chase in my opinion. They seem to look for reasons to raise rates on clients or close accounts without warning (clients that have been very good to them, in fact). I urge the congress to make the new laws effective immediately and shut down certain credit card banks that are continuing to loan shark knowing congress is against this. Any bank charging more than 10% when they are borrowing from the fed at 0 is loan sharking, plain and simple. I don't care if you are delinquent even, anything over 10% should be illegal. I was over the limit on my credit card one time in 7 years and Chase, without any notice, canceled my credit card. I kid you not. The reason I went over the limit was due to their finance charges.

I received my statement 5-16-09, which indicated an increased finance charge than I had noted in the past. I had been attempting to make large monthly payments with little to no charges in an effort to pay off the balance. When I noted the increased finance charge, I also noted the interest rate of 12.24% that had increased from the previous month at 8.24%. I contacted Chase to inquire why it had increased since I knew I had not been late on any payments. I was told a letter had gone out stating that my rate would be increasing, however, if I chose to keep the current rate, they would then be closing my account. Since the time period had already past, I could no longer opt to keep the lower interest rate. My payments have increased by almost 25%.

WM was bought by Chase and that's when I started getting horrible customer services with the increase in APR. I got May statement and there was a late fee charge on my statement on the 17th of May while I was settled one date which was 20th of each month with WM. Without notifying me, Chase changed the date on each statement so they can confuse me enough to charge me a late fee.

We had a WAMU credit card that we transferred balances. We also had a multiple EFT that was running from that card. We canceled the EFT we thought, and then chase took over the account. Next we noticed that our APR went from 8% to 29%. We saw online that a $49 charge hit from an EFT not canceled yet, but now, the card went over our limit.

Chase Credit Card customer since '06, Fixed APR of 8.99%, never ever late on payments and never ever over-drafted my bank account. In February 09, I refinanced my home mortgage at 4.275%. Good credit score, it has actually gotten better since the home refinance. Here is the damaging unethical new practice of Chase: Promotional "Rate Reduction for our most Valued Card members" (Beware!), 0.00% fixed APR until February 2010, when you use the enclosed "Special Rate Checks." Access extra cash, transfer high APR balances, and pay unexpected expenses and use for large purchases.

Originally, I had a Countrywide credit card and Chase took them over. My limit was almost maxed out so I made a payment which was 50% of the balance. One month later, I went to use the card for a small purchased and it was denied. I called Chase and they stated that they had closed the account. I said that I was never notified and they said they must have sent a notice and I stated they did not. I had never been informed.

I received a $39 service fee for an issue that occurred as a result of them not following an earlier request. They refused to waive the fee. I now have to find a new credit card, which is a nuisance, but I cannot reward their indiscretion with more business. I have always been a good customer, always paying off my balance at end of month. They have certainly spent more than $39 soliciting my business. No business sense.

Chase didn't send the bill and they changed my due date. Of course, when I paid for it, I was a day late. They would not refund me the late fee, so we decided to just cancel the card.

I agree ever since Chase took over WAMU, they have gone overboard. I have a platinum credit card with WAMU who is now Chase and another credit card with Chase. My interest rate just doubled. When I called, their reply was that I had been late one day one time and five days late another time back in '07! So now without notice, they are jacking up all the terms. I have never been late since and I pay like five times my minimum payment. The notice said if I did not accept the terms, I must let them know in writing and then my account would be considered closed.

Chase is a soulless company. Their employees are scum, especially one named Rita in their collections department. I paid her $8,700 in October 2008 to settle my wife's delinquent account. I found out about it three days before they were going to sue me. She promised to send me confirmation. None has been received. I fully expect to be sued someday because they never received my payment. I have one card left--Amazon.com Visa. Goodbye to Amazon too for doing business with this scum. And with one more payment on July 1, my relationship with Chase is finished.

Chase just "popped" a mail notice to me stating that they decreased my credit line without warning. I never missed a payment. I have had no change on my credit report, though their letter tells me that their decision was based on my Experian report. I immediately signed on and pulled it up. What a beautiful report. I just emailed them a letter. I will be sure to get this paid off quickly and never do business with Chase--either credit card(s), loan(s), or mortgage(s) as they already lost my business. One would assume that if you're always making timely payments and struggle to make them on time, it benefits you and you expect loyalty. Not from Chase. I am done with them.

We pay our credit card balance in full each month and that is how I identified the problem. I made the payment on my HEB Chase card via bill pay with my bank. My bank did not have to issue a hardcopy check, it was an Electronic Fund Transfer. This is supposed to be an online real-time transaction. Payment was due 5/29/09. On 6/8/09, I had this awful feeling (call it intuition) that I needed to check the activity on that card account. I logged on to the Chase website and viewed the activity. On 5/29/09, Chase charged me a $39 late fee plus $11.10 finance charge even though I paid the amount in full on 5/29/09. Naturally, I called my bank to ask them what happened. I was told that the money was, in fact, processed bank-to-bank on 5/29/09 and the funds taken from my account on that day.

On my May credit card statement, I found that I had been charged a $29.00 late fee as well as a finance charge of $1.04 because they had not received my April payment. I explained that the statement never reached my home and because I have held this card since 1992 and never been late with payments, I would appreciate having the charges removed from my card. I was told more than once that they could not do that. I replied, "No, it's that you won't remove them.” I then paid the finance charges along with the late fee and past due balance, leaving the current balance due.

Chase has placed my Business Account Credit Card with their so called: Fraud Department. They claim that they tried contacting me and haven't been able to. They claim that they sent me an e-mail requesting that I contact them. They claim that they sent me a notice of same. I have received nothing nor have I ever received a telephone call. At our business, we have an office manager and she states that she has never received a call from Chase. Our business telephone number hasn't changed in 30 years.

Over a period of two years, they have raised my interest rate from 9.99% to 20.25%. I have asked that my wife have full access to my account to handle all billing problems, as she pays the bills, but they will not allow her to discuss anything about my account. When I finally listened to what she is trying to tell me, how they are taking advantage of us, I called. They said, "Sir, you have been paying 19.9% since last year." When I asked to have my interest rate lowered, they said that based on my credit score I cannot qualify for a better rate. When I counter them with the fact that my FICO score is in the mid 700's, I have been with them for over 4 years and never missed a payment and my other card with them that has a zero balance has an interest rate of 14%. They replied by telling me that this particular card doesn't have any better rates.

May of 2009, I had a payment due on 5/25/09. So on 5/4/09, I paid them and I actually sent double the minimum payment required. The June statement arrives and it includes a $39 late fee and a rate increase of approximately 11%!

Chase bank acquired Washington Mutual (WaMu) between March and April 2009. I was an original WaMu customer since May 2007, mostly for balance transfers from other cards. My payments were always timely and over my minimum without fail. My interest rate was on the high side at 17.99% but I was still able to make the payments and just paid off all of my other bills to start chipping away at the WaMu card. Then in May 2009, I received a statement from Chase credit cards and noticed my minimum was about $40 higher than normal.

JP Chase Morgan changed the terms on my Chase Credit Card from a 9.99% fixed interest rate card to a 14.00% variable rate card increasing my monthly payments from $250 a month to $250 a month. These are not the terms I agreed to when I signed up for the card. I did not want a variable interest rate card, but cannot pay the card off in full and am stuck in this situation. I called Chase's customer service department to try to get back the original terms on the credit card. I asked for to speak with a supervisor three times, but their representative would not allow me or transfer me to a supervisor and told me no one had the power to change my card back to the original terms. I cannot afford groceries now or how I am going to pay my other bills. I am considering consumer debt consoling or possible bankruptcy.

Chase did not send the bill in April 2009. They called me at work, so I paid it over the phone with a fee of $30.00. Now, my June 2009 bill did not arrive. So I called and called, but could not get through the system to talk to anyone. I tried and paid over the internet with a fee of $10.00. However, my account is still shown with an overdue amount. Chase sucks.

I did not receive a bill in May. In June, I received a bill with $39 late fee, $39 overdraft fee, and an APR increase to 29%! After calling and e-mailing, I have received no help in removing the additional charges or lowering my APR. These people were rude, did not listen to me and kept saying it was my responsibility to pay my bill (which I never received). They left me on hold for 10 minutes waiting for a supervisor and did not make any attempt to satisfy me as a customer. This will ruin my credit (which I am trying to rebuild) and cause me unnecessary expense!

Chase Credit Card Company charged me a finance charge after I paid off the balance. My balance was $6,117.81. The billing cycle was 5/4 thru 6/3. I paid $220 on 5/28. I initiated a transfer of $5,959.73 on 5/30. The payment hit on 6/5. Chase charged me a finance charge based on the previous balance and is now refusing to waive the $158.08 charge. My account was open since 2003. I was late on two occasions due to family emergencies. They jacked my interest rate up to 29.99% and refused to lower it after multiple calls to their customer service department. This last call, I asked to be transferred to a supervisor, which they did. The person I spoke with was very unpleasant and kept trying to explain to me how finance charges work. I asked to speak to her supervisor and was told no, she didn't take calls. I think that they should waive the $158 because according to their statement, charges (finance) are posted on the last day of the billing cycle. My account is not at a zero balance.

I have been a customer of WAMU for over three years and have never paid late. When they transferred from WAMU to Chase, they apparently subscribed me without my consent on a paperless statement program which I did not request. Due to this, I missed my payment as I did not receive my statement which resulted on a late fee plus the increase of my APR. Although I called and spoke with over 10 separate individuals, they kept saying that there was nothing they could do about it as the only way for me to be enrolled in the program was for me to register yet they cannot provide me with any proof as of the registration of the program. The end result is that they increased my interest rate from the introductory APR of 0.00% to 29.99% on a balance of almost $9,300. They are a scam and will not let you speak with a supervisor. Writing is a waste of time as you write to them about one thing and they answer something completely different.

I made my April payment on 4/3/2009 and then made my May payment on 4/17/2009 because I had the money early. Little did I realize that they lumped both payments onto the April payment and therefore my June payment was processed as being late/never paid. I understand this now but at the time I wasn't aware. So I sat around for 28 days before they finally called me and said my account was late. After arguing for some time, I then realized it was indeed my fault. But since I hadn't had late payments before and never missed a payment, I was hopeful they would work with me and reverse the late payment fee (somewhere around $85).

I had been with WaMu since 2003 and a credit card customer since 2006. When I signed up for the card, I was given an interest rate of 14.99% and a credit limit of $3000. During the time that WaMu was the retainer of my credit card, my interest rate dropped to 13% and my balance was raised to $3500. I always paid on time, never went over the limit, and paid more than the amount due while retaining a balance. Then Chase took over and my credit card went to **. They sent me a letter, mixed in with my bill, stating that they were raising my interest rate from 13% to 21.99%. Then they sent me a letter in January 2009 stating they "forgot" to raise my interest on their computer and were going to raise my interest with January added in.

I used a convenience credit card check to pay off a high-rate credit card. I received a computer-generated call twice at home and verified it was me who wrote the check. Three days later, I received a letter which advised me to call fraud unit. When I did so, they stated they had put the check on hold because they could not "verify" my identity. I was advised by a manager that they could not process this check even now but could offer me a new convenience check but that the low-interest rate offer was no longer available to me. It's bait and switch. I have great credit and income, and I will never use Chase bank again for anything.

I received a letter from Chase stating that the APR on my account would be doubling. They identified the reason as "maintaining profitability" on my account. I have been with Chase for 4 years and I have never missed a payment or even been late. I receive about $80 a month in finance charges and they are telling me that they aren't profiting from my account. I opted to refuse the APR increase due to the balance on the card and unfortunately this means the account will close and affect my credit score. I am very disappointed in Chase and all these credit card companies that are doubling the APR before the new law goes into effect. This is shady practice and should not be allowed!

I had been a customer of WaMu for 10+ years without a late payment. Recently, my account was taken over by Chase and in March, I received my statement and my rate was increased to 23.24%. When I called, they claimed a letter was sent out regarding my rate. I looked everywhere for this letter and I am not the type to throw out backup to any of my accounts. I never found this letter.

I received a notice to double my annual percentage rate. I have a FICO score north of 800. I pay off my balance every single month, so frankly it won't affect me. But I'm furious about the principle of the thing. I have had this credit card in excellent standing for 15-plus years and have a credit limit over $45,000. And this is how I'm repaid for my loyalty? If I cancel this card, my FICO score suffers. So what am I to do? I'm furious and told them so. The only way to dispute was to cancel account.

I have had a Chase credit card since 2007 and have never been late in my payments. I had an automatic withdrawal for the minimum amount so I would never miss my payment. In March 2009, I made a charge against it and was denied. When I called Chase to find out why, they had closed my account because they said I had too many credit cards. Now, I just got a letter stating that as of July 1, 2009, they are going to charge me 26.24% interest. I don't have a leg to stand on as they are charging the past amount that I owe not just future amounts. I need help to take action against these bloodsuckers.

Reading all these posts regarding Chase Credit Card practices are actually repulsive, but all too familiar although I have not been a customer too long. I was brought in by the company’s impressive offer of 0% on balance transfers. My credit rating was not all that good at the time and I was trying to "rebuild" my credit rating. Everything was fine for a couple of years. I always paid on time and always a little more than the minimum due. Then all of the sudden, I noticed fraudulent charges on my card. I immediately called them. I felt great comfort that the representative was polite, responsive and informative!

Last year in 2008, I had a problem paying my credit cards and Chase was one of them. I contacted them asking for help and they refused. They told me that they could not help me. I tried to make some payments, and then I came to find out that my account was sent on to their attorney's office. Now I have to file bankruptcy. I want everyone to be aware of them and their nasty attitudes towards their customers.

Recently, my WaMu credit card was converted to Chase after the takeover. Until that moment, the online system I was using recently was also converted to Chase. After that, I unfortunately crossed the limit and they charged me an over limit fee for that. Instead of adding the over limit fee to the minimum balances, they included it with the outstanding balances. But this is not a regular practice with other credit card companies which include add up the over limit fees to the minimum balances. I thought maybe paying the minimum payment was only necessary. So I just paid the minimum balance of $17.

I never pay my payment late for my Chase credit card ever since I have that care for more than 7 years. Last month for some reason, I never got my bill, and this month, my bill was charged with a late fee of $39.00 and finance charged fee. I called customer service; they treat me very bad. I told them I always pay my payment in full and early. I asked them if there’s any way they can give an exception to waive that fee, but they said no chance. So after this month, I am closing all my Chase account with them and going with Discover and credit union.

I received a notice from Chase that looked like a cheap hand-out that most people would take one quick glance and toss it in the trash. It is an automatic increase in the APR for all future and most current balances. I went online to look for messages or alerts from my account, nothing. It is this kind of practice that really takes a toll on my trust with them. 6% increase is huge and I have till the June 22 to close the account, hmm... If I did not catch that notice, I would be locked in to a new, higher APR.

I wrote a complaint earlier about how Chase increased my interest rate from 9.99 percent to 29.9 percent on one of my Chase cards. Today, they increased the interest rate on my other card from 12.24 percent to 13.24 percent. Only a one percentage point increase, but for no reason. My credit score is in the mid 700s, always has been, and my credit reports show almost no balances on any credit cards. I no longer charge anything on Chase cards and paid off my balance months ago. They will never see another dime of my money. Anyone who can should terminate using Chase credit cards. Why support the people who are bringing this economy down?

I have had my credit card account for over 10 years with Washington Mutual. This account was taken over by Chase Bank credit cards recently. I have never paid my account late and because of a change in my address, I received my bill later than usual. My payment was received one day late and Chase charged me $39 and raised my interest rate to 25% from 2.99%. I called the 800 number and was treated horribly and the two people I spoke with refused to do anything for me. Because of this ridiculous circumstance, my interest rate has sky rocketed to an unreasonable amount and I plan on closing my account with them immediately.

For the last several years, I have had a credit card from Providian. When Chase bought Providian, they raised my interest rate from 9.9% to 22%. Since I had a $10,000 balance already charged to the card, I told them that I shouldn't have to pay the high interest rate on the purchases I have already made under the old rate. They said they would not lower the rate so I closed the account. I am debating whether I should even make a payment at this point. I don't think it is fair that they raised my rate after I made the charges, and just to make a point, I may not ever pay them. I also think it is a crime to more than double a person’s interest rate just because another company bought them.

I received a notice from Chase indicating that my interest rate would be increased for 9.99% to Prime plus 9.99%. My options were to accept the increase or cancel the card and pay off the balance. This all doesn't seem so bad except for these facts: I have been a cardholder in good standing with Amazon for over 5 years. This was a rewards card and canceling would cause a forfeiture of my rewards. Four months earlier, I had been solicited by Chase to opt for a balance transfer from my other higher interest credit cards at their promotional rate. There was a transaction fee for doing the balance transfer.

I had been a loyal Washington Mutual customer for over 15 years. I had their credit card for more than 5 years and had always used my card responsibly and taken great care in making more than the minimum payment and making sure they were always on time. In December of 2008, I made my online payment as I did every month, but forgot the final step of confirming the payment and closed out thinking I had made the payment. In a couple of weeks, I realized it had not yet cleared my account and became alarmed.

I have been a customer of Washington Mutual and now Chase for the past three years. I just received notice that my APR will be raised a second time since Chase acquired my account late in 2008. It also indicates that if I don't like it, I can opt out and cancel my account. I am trying to buy a house and if I cancel my account, my credit score drops and I'm stuck with a higher finance charge.

Chase-WAMU froze my debit card without warning all because of two complaints I filed. In retaliation, they refused to let me deposit monies or withdraw leaving me vulnerable for loss because of direct deposit from Social Security and agreement I have with deductions from bill collector which will cost me an overdraft fee. I can't notify them in time plus a rental car has been reserved for 6/2/09 for attending a funeral in VA.

I am a young 21 year old college student. I have a credit card with Chase. I called and talked to a representative about lowering my interest rate because I was landing on hard times and the woman on the phone told me that there was no way to do that. All I'm asking is that they work with me by lowering my interest rate. I have been stressed out for the past few months. I have had to go to other loan places just to manage to pay my minimum payments. I had to take off of school for a whole year, just so that I could work to make ends meet.

I received a letter today from Chase stating that they will be raising my interest rate to 22% from 9.99%. I have never missed a payment, I have never gone over the limit, and I always pay half of the balance if not paying it in full before the due date. When I asked to speak with a supervisor, they told me that they were going to tell me the same thing, that there was nothing they could do and that after evaluating my account, this decision they took was in order to remain profitable. My reply was quite simple, "Could you tell me how profitable you will be if I take my business elsewhere?" As expected they told me that was my choice. I told Orlando, “You are right and I will be canceling my account and moving to another company.”

Ever since they took over WaMu (who I had been with for many years), it's been one problem after another. This time: I cancelled a WaMu debit MC that had fraud activity popping upon it and it's been 8 days and I still don't have a replacement card. After I finally got through to voicemail, the person at my branch explained that "the company that makes/issues the cards takes up to 10 days before it might arrive at my house". Talk about inconvenience, not to mention annoying that yet another company out sources their work. Do I really want an outsource company having access to my account info? No! I had to go to the branch and withdraw large amounts of cash just to be sure that I would have money if I needed it. I needed to rent a car and they only take Credit Cards. I ran out of money when I had to take my daughter to the hospital. I had to leave her there alone and get a friend to go to their bank’s ATM to get cash for me at 1:30 AM!

I had a balance on my account and the interest rate jumped up. I called to find out exactly how much I owed and I said I would send payment that day and asked that they close the account. I paid the exact amount on that day. I am getting phone calls and letters stating I owe additional money. I was completely confused so I emailed my inquiry. This is the response I received:

I went over my $3000 credit card limit by $15 and they sent me a bill that said I had to pay a $39 over limit fee and they raised my interest rate from 10% to 30%! When I called and spoke with a customer service rep. I was told that the rate would not drop when I had paid my over limit fee and reduced my balance back under the $3000 limit. I told him that I was prepared to send them $200 to drop my account back into line (my normal payment is only $60). He said it didn’t matter. So now I have to try to pay off a $3000 credit card with a 30% interest rate. I've never been late and I've never gone over the limit before. He also rattled off a bunch of legal disclaimers and stated that Chase works closely with federal regulators and that they have every right to charge this much interest and there’s nothing I can do about it. My account was originally a Wamu account bought out by Chase when they took over. I'm not sure whose terms I am being held to, Chase or Wamu.

I have been a great Chase VISA customer and have always paid way over the minimum due every month. I was recently charged a late fee of $35 for a payment that was one day late! I scheduled the payment to be paid thru my bank’s online bill pay system and the payment was received a day late. I called Chase and they told me they don't care--it's late, deal with it! I cancelled my VISA card. They didn't try to keep me as a customer and didn't care--their indifference was surprising! I will never again use any Chase Financial Services/Insurance, etc. for any reason. I will not do business with anyone who uses Chase Services.

Similar to many other consumers, it seems I have been a Chase MasterCard credit card holder for over 21 years. I recently received a notification in the mail that appeared to be the standard terms of agreement paperwork for the year. After further investigation, I was highly ticked to say the least. Chase is raising my interest rate from 9.99% to 16.39% for no reason.

I purchased a TV at Circuit City in November '08 under the stipulation that if we applied with a Circuit City credit card via Chase Bank, the promotion was for 36 months no interest and no payments! Since March, we have been slapped with finance charge after finance charge claiming we were not making payments. Wait, let me go back and state that it was a 36 month no payment no interest promotion. Yeah, well the next thing they tell me is that it was only a 90 day no interest. I would have never purchased that TV on a 90 day no interest!

I opened a Chase savings account and made a $5K cash deposit on 1/20/09. I went to transfer the money to pay off my Chase credit card and the teller stated that no record of my deposit was on file and that the account was not active. I then proceeded to speak with the branch manager and the district manager about resolving this issue and neither one is assisting me in the matter. $5K is missing. I’m not able to pay off a credit card and am incurring large interest on the credit card account.

I have had a Chase Visa credit card for a number of years now. When I originally took the card, my fixed interest rate was 9.99%. Today I looked at my statement and it has gone up to 13.24%! I am livid! I have been a good customer and always made timely payments in good faith that my interest rate would not change.

They called and said my card payment is past due and that I need to make a payment either over the phone or online and I have paid it and my check is cashed on my bank account. They do it almost every month and they call about 20 times over the course of 3 or 4 days and don't give you a live person to talk to. They have also raised my interest rate so high that I can never pay it off.

Those unauthorized charged was internet fraud has captured identities of consumers to steal them to obtain for many profit purposes. On February, I contacted them and they refunded my money back into my Mastercard. By that time, Chase performed its own investigation and resulted that was authorized charges. Vendors admitted unauthorized charges in which Chase had to reverse my money back into my account. But that was about April. Chase again did temporary reversal fund again without any clear reasons. I contacted to Chase. They said that was another different issues. Chase has sent me two different notices which was very unrelated and disconnected each other about the mount of $101.83 credit reversal and that number keeping different every time I have contacted Chase about it.

I cashed a promotional check for $2500 with a 2.99% APR good until 2011. My credit like was $2800. I had a balance of $700, in which I paid off the balance and then cashed check. Chase reneged on cashing the check. When I called to asked why the check was returned, they claimed they reviewed my financial obligation and it was too high. Should I note nothing has changed in the last two years? If anything, the majority of my credit card balances are much lower.

Chase Credit Card service said they never received my payments via USPS. I sent three different checks out check numbers below as follows: 3188 amount of $207; check # 3189, amount 128; check # 3190, amount $46. All checks before these and after these have cleared my account. Only Chase credit card payment checks did not clear. They said they did not receive them and that they had the right to raise my interest rates from 7.99 fixed (on the closed accounts) to 22.99 variable rate because of no payment.

Chase raised my minimum from 2% to 5% then sent a letter stating it was done inadvertently. They said they would change it back to 2%. They continued to charge 5%. I complained and they sent me back the difference which was $150 as a refund. Then on my next bill they surprised me by adding the $150 to my bill under the 14.99% rate.