Chase Credit Cards Reviews

I promptly paid off the balance with my February bill, thinking the $10 service charge would go away. It didnt! My March bill reflected a $2.34 interest plus another $10 service charge. I called Customer Services to request that both charges be taken off from my account. The rep. said could remove my $10 fee but was not authorized to remove the $2.34 interest charge. I asked to speak to his supervisor, who informed me that this was in error. The Supervisor could remove the $2.34 interest but not the $10 charge and this charge would remain in effect as long as the card was active, regardless as to whether I used the card or not. This left me feeling like Im being used to finance Chases own financial problems. Here I am, doing everything right, only to be taken advantage of!

They claimed that I had gave them permission over the telephone to automatically withdraw this amount monthly.I never would have okay ed this to happen because my finances are very limited. I had only made an over the phone payment for the month of January. I spoke to an agent that asked if I would like to up the payment to 200.00 from 173.00. I agreed on this only. Nothing was ever discussed about having the amount withdrawn automatically. I found a letter that they sent stating this only after this all happened.I had never opened it. Because of this withdraw I was overdrawn and charged 81.00 dollars for overdraft fees. I called my tax lady up who I had a check out to and explained the situation so that maybe she could wait to deposit my check. It was embarassing and the whole week was ruined because of the unauthorized withdraw. I feel that I was robbed. Chase sent me a letter after I called them demanding my money back. They said after investigating the incident that they would not be repaying me the 200.00 or the overdraft fees from my bank.

Now, two weeks later, I get a statement in the mail. They claim I owe them $10.59 in finance charges credited to the account after I had a zero balance and closed the account, because interest accrues daily and I had a revolving credit balance before I paid it off (Of course I did - I transferred balances!!!). Now after several calls to customer service I am pissed - they will not waive the fee. Now that I have closed the account, they feel no need to be nice to me, and are immediately rude and tell me they will not waive the fee. I know its not a lot of $$. It is so the principal of the matter though. They know they have me between a rock an a hard place, because I have to pay, or they will report it on my credit report. If I pay, they win. If I dont, I lose....I read on this site they have done this to a lot of other customers.

In January 2009 the monthly payment on each account was $336. In February the payment went up to $827 plus a $10 service charge. I contacted Chase at 800-945-2000 and was advised that I could continue the 2% payment without the $10 charge if I authorized an increase in the finance charge to 7.99%. I was told that I was sent a letter in November advising me of this change. I do not recall the letter so they sent me another copy of the letter. I can not afford a $1673 payment when I have budgeted $672. I was advised the new rate was effective back to January 1 and the increased payment has been taken out of my account. I understand the new rate will remain in effect until 1/1/2011 and then adjusted to the then standard APR. I am 74 and live on a fixed income and have great credit. Being forced into a 7.99% interest now and hard telling how much in 2011 has the appearance of a legal scam. This is just not right.

Last month my husband noticed the balance had jumped significantly and he had beed making $225 payments instead of the min. $94. Looking back in his records he found no record of receipt of a bill in Dec. and payment was made late - rolled into Jan. I guess. The next statement apparently reflected all interest on the entire amount borrowed including payments already made. The statement did not explain what happened or itemize the interest, it simply reflected a higher balance. We had to call to find out what had happened. I've heard of this happening, but never had a problem before. Considering all payments were at least double the min. due and on time except in Dec. I called the 800 number on back of statement to see if we could work something out. Hit a brick wall with concrete reinforcement. No room for any variences no matter what. All was quite civil and I tried to work the chain of command. Absolute deafness. Would not give me a phone # or e-mail address for anyone who had any authority in this area. I was given the address I listed above and told to write a letter to Deborah Walden in the Executive Office. Not expecting much but a form letter back.

I want to take my time to explain how WAMU and Chase have been dealing under the table for the past few months. I have an excellent account with WaMu and have been happy with them and apparantly they have been very happy with me too. They have been SO happy that I have been receiving two to three 0% to 3% offers for the usual 6 months to a year promotional term before it goes to regular rates. What they have done is suckered me and probably tens of thousands of others into using these low interest credit card check offers which I used to get some furniture and high end audio equipment. Wow, these offers still kept coming in! Man,I must really be a great customer! Then the dear Mike letter comes in. Chase sends me a letter and tells me they bought out WaMu and none of their rates or promotional offers will be accepted and I can opt out or pay their rates, which I'm not sure what they are going to be. According to the posts here I should expect 24 to 30%. These two companies have been in cahoots together suckering in as many credit card purchases on the WaMu accounts with the low interest teaser checks knowing they were being bought out so Chase could charge what ever they wanted when the sale was consumated between them. I would bet WaMu also gets a commission on all of the low interest purchases the consumers made on these low interest credit card checks. How about the feds looking into this scam? The rich and the politicians run the country and the hard working citizens are stepped on, cheated, and over taxed. This is not what our country was based on. It's time to stand up for our rights as citizens somehow. The feds just let them get by with it!

Everyone!!! Hopefully there will be a light at the end of the tunnel though. As of January of 2009, Giskan Solotaroff Anderson & Stewart of N.Y. (www.gslawny.com, look under Class Actions) have filed a class action lawsuit against Chase. Lets cross our fingers and hope for the best; because if they win, we win!

Ultimately, I feel that the notice about APR terms was intentionally placed in envelopes labeled under WAMU MONTHLY STATEMENT in order to fall under the guise of being merely statements, not vital opt-out information concerning future hikes in interest rates. This information regarding an opt-out should have been placed in a separate letter from monthly statements,and sent under the name CHASE because 1.) WAMU was not making the change in interest rates, CHASE was/is 2.)since presumably many other customers obtain account information entirely online.

The story quoted a Chase spokeswoman as noting that less than one-half of one percent of Chase customers are affected by the fees and typically applies to those who have made little progress in paying down their debt.

Last month we never received the statement on the mail and they charged her $39 late fee plus lifted the interest rate from 9.9% to 29.99%.Instead of $10 monthly payment, now they want $65. If this is not highway robbery then nothing!

I, as well as many, many of the complaints I have read here, have had Chase VISA and Chase MasterCard take my monthly payments from 2.0% of the outstanding balance to 5.0% (my account is in excellant standing with with no missed payments, no late payments,and monthly payments always in access of the monthly min. required payment). My experience with these people have been the same as your's, Payoff the balance or accept 7.99% interest with no guarantee that the rate will remain the same for the balance of the loan payment period nor would there be a guarantee they wouldn't increase my rate monthly payment amount anytime they felt like it. In short this is nothing less than a blackmail tactic to force us to break their life-of-the-loan contract with us. These scurrilous, street-level loan-sharking, blackmail tactics cannot be tolerated. But there is a glimmer of hope if we inunidate the following Federal Agency (which is in charge of governing financial institution's activities)with complaints. As with any Federal Agency, the more omplaints they receive the quicker they take action. Customer Assistance Group OFFICE of the COMPTROLLER of the CURRENCY 1301 McKinney Street Suite 3450 Houston TX 77010 Should you have any reservation about sending your complaint to this agency please go on the internet and review what they are responsible for. I used them once a few years ago against a morgage lender (a bank)and the problem was resolved rather quickly in my favor by a very apologetic bank. LET'S BAND TOGEATHER AND HAVE THE GOVERNMENT FORCE THIS UNSCRUPULOUS COMPANY (CHASE) TO CEASE THEIR OUTRAGEOUS ACTIVITES.

December 30, 2008. I called Chase and paid the outstanding balance on my card. I spoke on the phone with the representitive, and paid the balance off in real-time. I requested that the card be closed and asked what additional actions were required of me. The rep informed me that I had a 0 balance and that no further action was required. While I had the rep on the phone I attempted to login to the chase web site to see if the account was truly closed. When I did that I got an error that my username/password no longer was valid. After being unable to access their system I figured that the account was frozen and I was done with the company. Now, I got an email last night from chase stating that I had a monthly statement that just posted. I attempted to login and to my surprise my account was working. After looking at the statement - I was charged for a late fee on a 0 balance by chase. I asked them to explain why I owed additional funds on the card.

I just checked my February statement to find that my new rate of interest is 27.99%.... which I think is just completely AWESOME!!!! I guess my prior rate of 12.99% and an avg payment of $1500 a month just wasn't enough to fill the pockets of the spineless brainiacs that decided to make this well timed business decision. This appears to be a game of debt, not money management... and in it, everyone loses... except those that run the banks and credit. If you have not noticed, banks have the biggest spread EVER. Savings rates are in the toilet and loan rates have gone relatively unchanged. EVERYTHING favors the banks and them getting their act in gear, they'd rather get more out of the deal instead.

Thank you.

At the end of January she received her billing statement with a very high minimum payment due saying that she was past due on her January payment. My mother called Chase bank customer service immediately and explained to the Customer service rep that she made her January payment on December 9th because she had knee surgery on December 10th and she knew she would be out of it so she went to the bank and paid early. The woman Customer Service rep at Chase bank said "Well you didn't call use to tell us you were doing this", my mother explained that she went directly to Chase bank and spoke with the teller and she told her she could pay for her January payment early and that it was fine. The customer service representative said "You are supposed to call us,you can't just go to the bank and pay early without calling us to let us know". I can't imagine why my 70 year old mother would do something so CRAZY as to go to the bank the credit card is issued from, ask an employee who works for the company that the credit card is issued from if it's okay to pay early and actually believe the employee who works for that bank is giving her the correct information when telling her that it is fine. Are you following me so far? She went to the bank to pay her January 2009 payment early (In December of 2008), was told that was fine by a Chase bank employee at the bank and she made the payment thinking she had paid her bill early for January. After going around in circles on the phone with the Customer Service representative, she was kind enough to understand what had happend and told my mother in the future she will need to call the credit card company to let them know if she plans on paying early, my mother agreed that she would and told her she didn't know she had to do that, seeing as the CHASE employee at the bank told her something different. She told my mother she could just send in the minimum payment for her February payment and to ignore the extra amount for it being considered a late payment. My mother said I would like to pay extra as I do every month. The Customer Service rep said that's fine, but not necessary. The Customer Service rep said she would keep the fixed interest rate where is was when she signed up for the card. She even sent my mother a letter stating that she took care of the issue and that is was fully resolved. My mother thought that was the end of this ordeal. Today 2/21/09 the new statement came for the March payment. To my mothers surprise Chase bank wanted several hundred dollars more than the minimum payment, plus she noticed the interested rate when up a substantial amount. My mother called Chase bank to speak to a Customer Service Representative; she was on the phone for over an hour being transferred from one rep to another explaining over and over again what had happend. Finally she was transferred to some man who claimed to be the HEAD SUPERVISOR who explained to her that because her payment wasn't made between such and such date in January (but made early- in December) it was considered not paid. He told her that her early payment counted towards the principle, but not towards the payment because... (even though it was paid early & even though the teller at the bank told her it was okay to pay early at the bank and that she credited to her January payment) Your gonna loves this... it wasn't paid between such and such a date in January, so it doesn't count! Let me just explain this... because she paid early and not on the due date it was considered late and she is now being penalized because she went to the bank and paid early and because Chase employees are not educated enough to know that the information they give out at the bank is incorrect. Lets put aside the fact that she has excellent credit, has never made a late payment and always pays more than the minimum amount. Lets put aside that the teller at the bank told her it was okay to pay at the Chase bank and that it was okay to pay early and... the customer service rep she spoke to on the phone the previous time she called sent a letter and told her she fixed the situation and it was all taken care of, this man said all of that is not true. The man who she spoke to tonight after being on hold told her that according to the "fine print" on the contract she signed when signing up for the card it states that the bank has the right to charge her a higher interest rate and increase her minimum payment because she did not pay the extra fee for the late fee the previous month and she didn't pay between such and such date in January. Wait a minute... I thought the Female Customer Service rep from the previous time she called Chase told her to disregard the bill and that she didn't have to pay the extra amount. I heard my mother tell the rep "I would like to pay extra, because I always do" and the rep told her that was fine and that she would adjust the account and she even sent her a letter. Now if you're really confused about this situation, how do you think my 70 year old mother is feeling? I am furious! I watched her face turn red as her blood pressure increased as she spent an hour on the phone being passed on from one rep to the next because no one at Chase bank seems to know what the hell is going on. Except for the man who thinks he is a GOD who calls himself the "HEAD SUPERVISOR". According to him it doesn't matter what anyone at CHASE bank told her... "It's in the fine print". I got on the phone with the BIG supervisor who was as cold and uncaring as they come! He didn't care about what anyone at the bank had told my mother, he refused to give me the name or phone number of the previous woman rep who said she took care of this situation and kept repeating how it was in the fine print if you miss a payment (which she did not do, she paid it early), your interest rate will increase and he cannot change it back to what it was. I said to him "you've got to be kidding me, you're telling me that my mother is being penalized because she made an early payment at one of your banks!" He said that's correct, it's in the fine print. I asked him to transfer me to someone above him, he said he was the head supervisor and there was no one else above him (We'll see about that). I told him I would report them to the Attorney Generals Office, he said it's in the fine print. I told him that he is one of the most insensitive human beings I had ever spoken to; he didn't care he was cocky and thought he was a God with all this power. He didn't try to help out a customer with an outstanding record with Chase bank, a person who tried to do the right thing and pay her bill early BEFORE IT'S DUE DATE because she was having surgery. This guy is a real winner! I will take this as far as I have to and tell the media and anyone who cares to listen that CHASE BANK HAS THE WORST CUSTOMER SERVICE AND DOES NOT CARE ABOUT THEIR CUSTOMERS - EVEN THE ONES WHO PAY THEIR BILLS... EARLY.

Called Chase and was told that a letter was sent explaining the new terms and that they would return my acct to previous state except the apr would be 7.99%. This was a 5.99% until paid off transfer check. I had never missed a payment and always made 300-400 Payments. I made arrangements to pay it off but payment did'nt post till day after due date. So now my balance is 39.00 late fee,10.00 transaction fee and 44.22 in interest. I don't think it will ever end. I don't want to pay it but what choice do I have. Small Claims?

I'd like to file a formal complaint and I want this email answered and addressed and I want to know what the next step is in filing my formal complaint. This is completely unacceptable and wrong to try and make the consumer pay a late charge or to pay other fees because Chase failed to provide any notice that I would no longer be able to make my payment at Circuit City. This is your problem, not mine. The least you could do is offer a one time extension on my due date so I could at least mail my payment in. Lisa Kellerman Their customer service representative emailed this following reply: "Dear LISA A KELLERMAN: Thank you for contacting us regarding your Circuit City(R) Credit Card account issued by Chase Bank USA, N.A. Chase Bank USA, N.A.(Chase) provides the following payment options for your convenience: Payment by Phone: A payment may be drafted from your checking account by contacting our Card Services Department at 1-800-477-6761 Monday - Friday: 10am - 9pm (ET) and Saturday 9am - 5pm (ET). Phone payments submitted by 4pm (ET) will post to your account that day. A fee may be charged for this service. Payment by Mail: Payments may be mailed to the address provided on the upper portion of your billing statement, in the envelope provided with your billing statement. If the upper portion of your billing statement is not available, where you should mail your payment will depend on where you live. If you live in: Alaska, Arkansas, Arizona, California, Colorado, Hawaii, Idaho, Illinois, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, New Mexico, Nebraska, Nevada, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wyoming, please mail your payment to the address listed below: For a Circuit City Rewards card: Chase Card Service P.O. Box 94011 Palatine, IL 60094-4011 For a Circuit City Rewards Visa: Chase Card Service P.O. Box 94010 Palatine, IL 60094-4010 If you live in: Alabama, American Samoa, Connecticut, Delaware, District of Columbia, Florida, Georgia, Guam, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, Military, N. Mariana Islands, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Tennessee, Vermont, Virgin Islands, Virginia, West Virginia, Wisconsin, please mail your payment to the address listed below: For a Circuit City Rewards card: Chase Card Service P.O. Box 15292 Wilmington, DE 19886-5292 For a Circuit City Rewards Visa: Chase Card Service P.O. Box 15291 Wilmington, DE 19886-5291 ** Please include your account number on your check or money order. If mailing payments, please allow for appropriate mail time. It is recommended, but not required, to allow approximately 7-10 days prior to the due date listed on the statement. Customer Service is our number one priority. If we can be of further assistance, please contact our Card Services Department at 1-800-477-6761, or visit our web site at www.chase.com. Card Services hours of operation are Monday through Friday, 9:30 a.m. to 9:00 p.m., Eastern Time and Saturdays 10:00 a.m. to 6:00 p.m., Eastern Time. Thank you, Shannon Ahrstrom Email Customer Service Representative 1-800-477-6761 Account is owned by Chase Bank USA, N.A. and may be serviced by its affiliates."

I have excellent credit and have never been late with our payments. Well they conveniently made my payment late by not processing my payment that was due in Sept. 19, 2008 and processed it on Sept. 20, 2008 and therefore makingme lose my %3.99 for the life of the loan.

BBB of Delaware 60 Reads Way New Castle, DE 19720 (302)230-0108 You can file a complaint online at Email: info@delaware.bbb.org Web: www.delaware.bbb.org

We also experience the same problem with Capital One and Citi Bank cretit cards. Is there anything that you can do???? Thank you, Rafael Gouzy Maria L. Tamayo-Gouzy

I confirmed this in a long conversation with a Chase representative on Jan 5, 2009. I wanted to be absolutely certain that if I paid off another credit card balance using the Chase check, that the pay-off would come within the 0% APR promotion. He assured me that it would, and I used the check accordingly. (The use of the check also incurred a flat fee, but I was advised of that, and was willing to accept it as a trade-off for obtaining the 0% APR on the balance.) Lo and behold, the first bill I received from Chase included interest. I called Chase, and was eventually transferred to a Supervisor who advised me the check I used did NOT come within the scope of the 0% APR promotion. I told him this was contrary to what I had been previously told, and that I never would have used the check under those terms. The Supervisor advised me that he and his Manager would listen to a tape recording of the Jan 5 conversation with the Chase representative, and that Chase would honor the check at the 0% APR if the representative had in fact told me that. He said he and his Manager would listen to the recording that same evening. This conversation was on Tuesday, Feb 10. I was told that the Manager, Jay, would call me back either Friday of that week, or Monday, Feb 16, at the latest. Well, I received no call from Chase as of Monday, and called them on Tuesday, Feb 17. At that time I was advised they had no record or notation reflecting the conversation I had had with the Supervisor the previous week -- but they would, now, be willing to put in a request for the earlier, Jan 5 conversation to be reviewed. This review process would of course take another week or so. The problem with this is that all this time interest was accruing on the balance. The more delay, the more I would have to pay. Chase acted negligently and unprofessionally in (i) failing to follow-up and call me back as promised following the Feb 17 phone call; (ii) failing to include any notes in my record of that conversation; (iii) failing to honor the terms of their promotional offer. (Actually, I suspect that they did listen to the Jan 5 conversation, learned that it was in my favor, and decided to conceal this fact because of the consequences -- good for me, bad for them.) I canceled the card, and paid off the balance so no further interest would accrue. To pay off the balance that day, rather than sending a check (the time to process which would have resulted in substantial additional interest (about $100) to be paid off), cost me an additional $14.95 fee. I believe Chase's actions in this matter were fraudulent and dishonest. I am particularly upset that no record was made of the Feb 17 conversation I had with the Supervisor. It is possible that the original representative I spoke to on Jan 5 was misinformed about the terms of the promotional offer, but for a Supervisor to fail to notate an important conversation in my record, or to follow-up with a callback to me as promised, is inexcusable -- at best negligent, at worst, deliberate fraud on Chase's part.

I previously had a similar thing happen to me with Chase. They raised the interest rate AND minimum amount due to the point that it made it virtually impossible to keep up with payments. I paid off the credit card and closed the account. I swore that I would NEVER deal with Chase again -- they are totally unethical. Not to mention the extremely rude people that they employ in their customer service department. Here I am stuck dealing with Chase again since they acquired WaMu. What a bummer. The sad thing is that they blamed the rate increase on WaMu. I have nothing but good things to say about my experiences with WaMu and their customer service representatives. It really is unfortunate that Chase had to be one of the survivors in today's economy. Their good fotune is at the expense of people that pay their bills on time and more than the minimum.

We have had this credit card with JP Morgan Chase for about 15 yrs. We signed up I think about 10 yrs or so for a rate of 3.99%. We have that automatically deducted from our checking account each month so that we would not risk losing the low rate if our payment was late. We have great credit. I was looking at my checking account and they took 358.00 for February and normally the payment is 145.00. We were never notiifed of this change and I called JP Morgan Chase Bank and the rep told me that due to the financial crisis that the min amount due each month on the balance would be 5% which was 2% prior or we could accept the agreemt of 7.99 % until 2011 and then the rate would go to 28% and my payment would be 2% of the balance. With this in mind we will start to lose everything as we have 3 credit cards with them. They used to be with other companie until they were bought out by Chase. We can't afford this and this will start to hurt our credit score as we don't have this kind of money to pay each month. I'm not sure what to do. I called them again to see about closing the account as we do not use it and they stated it would be 153.00 a month for 60 months @ 12% but this could effect our credit score by closing the account. Can you please help us. We will eventually be forced into not making payments as we do not have enough income to cover these types of practices the credit card companies are doing. We dont want that and also we dont want to lose our house or file for bankruptcy if it gets to be out of control. PLEASE HELP AS WE DONT KNOW WHAT TO DO AND BANKS WILL NOT LOAN FOR CONSALIDATION LOANS DUE TO THE ECONOMY CRISIS *** WE HAVE EXCELLENT CREDIT NOW**** We don't want to wreck it because of this. The president should have provided a stimilus package for consumers to borrow money to get out of debt at a low interest rate instead of providing the money to banks that dont want to help consumers. Please, Please Help us. Thank You,

We have had this credit card with JP Morgan Chase for about 15 yrs. We signed up I think about 10 yrs or so for a rate of 3.99%. We have that automatically deducted from our checking account each month so that we would not risk losing the low rate if our payment was late. We have great credit. I was looking at my checking account and they took 358.00 for February and normally the payment is 145.00. We were never notiifed of this change and I called JP Morgan Chase Bank and the rep told me that due to the financial crisis that the min amount due each month on the balance would be 5% which was 2% prior or we could accept the agreemt of 7.99 % until 2011 and then the rate would go to 28% and my payment would be 2% of the balance. With this in mind we will start to lose everything as we have 3 credit cards with them. They used to be with other companie until they were bought out by Chase. We can't afford this and this will start to hurt our credit score as we don't have this kind of money to pay each month. I'm not sure what to do. I called them again to see about closing the account as we do not use it and they stated it would be 153.00 a month for 60 months @ 12% but this could effect our credit score by closing the account. Can you please help us. We will eventually be forced into not making payments as we do not have enough income to cover these types of practices the credit card companies are doing. We dont want that and also we dont want to lose our house or file for bankruptcy if it gets to be out of control. PLEASE HELP AS WE DONT KNOW WHAT TO DO AND BANKS WILL NOT LOAN FOR CONSALIDATION LOANS DUE TO THE ECONOMY CRISIS *** WE HAVE EXCELLENT CREDIT NOW**** We don't want to wreck it because of this. The president should have provided a stimilus package for consumers to borrow money to get out of debt at a low interest rate instead of providing the money to banks that dont want to help consumers. Please, Please Help us. Thank You,

The way to think about it is this. Every time you use on-line billpay, there's a chance that something will go wrong. (If you mail it in, your check can get lost in the mail for that matter.) With Chase, the penalties are huge and you have no recourse when something goes wrong. I consider holding a Chase card a liability because I can't tell when they are going to do this, or how often. They seem to be thinking very short-term in grabbing for a few bucks and worrying about losing business later. People with good credit can go elsewhere, but they will keep those poor people who can't pay their balance off in full or obtain other cards.

Then they all cut my available credit in half, giving the impression that I had maxed out my cards. This, in turn, led to them increasing the interest rates and doubling the minimum payments due.

************************************** Our records indicate that a Change in Terms notice was sent to you in November 2008, which advised of the addition of an Account Service Fee and a change to the required minimum payment for your account, effective as of your January 2009 billing statement. Please note that the Annual Percentage Rate (APR) on your account is not changing and you may continue to take advantage of the promotional APR currently in effect on your account. An alternative is available, but it does mean giving up the current APR on your promotional rate balance(s) with no expiration date. With this alternate offer your promotional balance(s) would be changed to a 7.99% Fixed APR. This new rate will remain in effect until the billing statement that includes January 1, 2011. After this date, the APR for any remaining portion of the balance will be the standard purchase APR associated with this account, which is a Variable APR of 27.24%. If your standard APR is a variable APR, the rate mentioned above is the sum of the margin and the Wall Street Journal (WSJ) Prime Rate. Variable APRs may vary with changes in the WSJ Prime Rate. Please refer to your Cardmember Agreement for more APR information and other account terms. This alternate offer will suppress the assessment of the monthly Account Service Charge, and we?ll credit your account for the last monthly Account Service Charge assessed. Your minimum payment calculation will also return to the greater of the following: * $10.00 * 2% of the New Balance or * The sum of 1% of the New Balance, billed interest, and any billed late fees. Please note that any amounts that are past due or over your credit limit may be added to this calculation. If you would like us to apply these alternate terms to your account, please send us an email reply confirming your acceptance of the alternate terms. If you prefer, you may also contact Customer Service directly at the phone number listed on the back of your credit card. Note: We must receive your confirmation of acceptance in order to apply the alternate terms to your account. If the confirmation is not received, the Account Service Charge and increased minimum payment will remain in effect on your account. We hope we were able to address your concerns to your complete satisfaction. ***************************************

I have called the company twice and my cancellation confirmation with them is: R1208. They have charged me also for Jan 3 2009 for 11.99. I have also called Chase twice to inform that I am disputing this charge. However, Chase has said BOTH times that they can not and will not dispute Third-party automatic deductions even thought I, as the consumer, has been informing them that I did not authorize these charges. Speaking with a dispute service member, he informed me, after I requested to be notified about further charges, that Chase would not do that for such a small charge. Chase should have some ethic business practice to PROTECT their consumers rather than to perpetuate the practice of allowing alleged automatic deductions from third-party companies. It should not hide behind the loopholes of law but rather use the law to protect PEOPLE from fraud. I would like a copy of the law that say that Chase can not dispute third-party charges and please, do not include the words, not responsible for third-party charges as a way to defend the normal business practices. When this dispute is resolve, I will no longer be a customer of Chase or any of its affiliations. I will however be a dedicated American Express carrier since they actually care about their customers.

I was never notified by any means of the change in agreement. I couldn't believe it at first. I thought I had entered into a binding agreement. I called customer service. They were the most rude people I have ever had the mispleasure of dealing with. I asked to speak to a supervisor but the agent would not transfer me. My company was just about to sign a merchant services agreement with Chase Payment Tech for our credit card processing needs. After this happened they can kiss goodbye the $1,000,000 of processing we were going to give them. I will never deal with this bank in any capacity ever again. Count me in on the class action law suit.

I have paid on time and always paid over the minimum due. It took them over 6 months to figure this out. I asked for a reduction and told them that other companies had worked with me as long as paid on time and was told that Chase has a policy of not reducing interest rates or working with customers. Basically, if you can't pay the new rates, tough luck! I am willing to pay for what I owe but how far am I going to get paying almost 32% interest? Absolutely nowhere. And when you come across a company like Chase who has no desire to work with people who are trying to make good, bankruptcy looks good. Bank of America contacted me in October and offered me a 4% interest rate on my equity line if I closed the account, paid a minimum of $400 a month and paid on time which I have done.

Very truly yours,

They gave me 2 options. 1) I can keep the 8.9% and pay off the balance just as I have been, however, my account will be closed and can't be used any further. or 2) I can accept the change and call in after it takes effect to see if I qualify for a rate change (yeah, right!). Nobody was willing to help me, nobody cared and they asked me many times if they could close my account...I kept asking them if they were serious. I've had my account for years, have a 770 credit score and more than 150k in open credit line and this is how they treat me. So, I transferred my balance to another card that offered a fixed 5.4% and have no problems with the credit crunch...at least that is what the forums are saying.

When I talked to the customer associate, she was trying to convince me to close the account if I don't like their service. I think they are having very bad service to their customers. As a consumer, I think I was being treated unfair.

After numerous letters to congressmen/women, letters to the FTC, FDIC, Federal Reserve, and OCC; after refusing to accept their emailed offer to switch my account to a 7.99% interest-bearing account (in order to preserve a 2% minimum monthly payment); after refusing a second time (by phone) of an offer to the same 7.99% interest-bearing account; I got another phone call from Chase saying the they made a mistake and that I received Change in Terms by mistake--I will not have to suffer $10/mo fee and a 5% minimum monthly payment after all. I have no idea what made me different from others in this group. My promotion was a balance transfer with a fixed-rate-for-life of the transferred amount--just like so many others here. Maybe the letters did something after all. Maybe my stubborn refusal to accept their interest-bearing account convinced them that I wasn't accepting anything other than a return to the way things should have been. Who knows? My word of advice is: DON'T GIVE UP! Persistence may be the solution after all.

I opened the account in 1997, no late payments, no overlimit. My balance is a 'balance transfer' at 3.99 percent and the service fee is accruing at 9.24 percent. I spoke with two different representatives: 'nothing can be done.' I was never offered a higher rate to lower the minimum and defer the $10 fee. As a result of 'going paperless' which the company highly encourages, I did not receive prior notice of the change of terms. Thus, I was too late to 'opt' out, which would have meant, closing the account and continuing at the same payment schedule. If I had been able to 'opt' out, my excellent credit rating could have been negatively affected by closing an account and reducing my available credit. The customer service rep's did not have current knowledge of change of terms when I called in January 2009 -- did not know what I was talking about.

However, I don't always open this email, as for the last several years it's been the 30th. of each month, not he 25th. as it now is. I always pay in full, so these charges really annoy me, and I'm sure I'm not the only one having to pay these. They did remove the last months charges, after I spoke with a supervisor, but he said that finance charges are still accruing so there will be more on next months statement. I believe they should have to send an explicit email/message when they make such changes. Is there any plan to try and make them do that? It really appears like a shady way to make more money off the consumer, and they have no clear explanation why they did it. Is there any other action I can take? best regards

They generously offered to reduce the payment back to 2% if I would agree to an interest rate change. Their greed caused the mortgage/housing and overall economy collapse---this latest move is bound to put more people into bankrupcy--but then they can justify a request for another bailout

Mr. Jamie Dimon, CEO JP Morgan Chase & Co. 270 Park Avenue New York, NY 10017 February 9, 2009 Dear Mr. Dimon: Last Thursday, I received a letter in the mail regarding my Chase MasterCard with the fixed APR of 9.99%. Apparently, my fixed APR card is all-of-a-sudden changing to a variable-APR card with an APR of 16.99%, in order to maintain profitability? on my account. Yes, you read that correctly; 16.99! I couldn't believe it either! That's a 7% increase!!! And you know what's worse? Guess how much warning I was given. Well let's see... I got the letter on February 5th, and it takes effect on March 1st. So less than a month! This is ridiculous! While the economy is on a downward spiral, you are taking advantage of people who have been faithful customers and may or may not be relying on their Chase credit cards to stay afloat. I have had this card for about 3 years, and I have never been late on a payment or given any other reason to raise my interest rate. I have been nothing but satisfied with it and your company until now. I wish I had the money right now to pay off my card completely, but I can't. I guess I'll have to deal with this until I can get a $0 balance, and I will be putting everything on my Capital One card until then. After I reach a $0 balance, it will be my goal to never pay another penny of interest on this card. Therefore, you will not be maintaining profitability? on my account. And with an interest rate as absurdly high as this one, I hope and pray that the vast majority of your appreciated customers will be able to do the same. In the mean time, Mr. Dimon, I can't help but wonder... Are you taking advantage of all of your customers like this, or only the ones like me who have been faithful customers long enough to HAVE a fixed-APR card? It is very dishonest to give somebody a card with a $20,000 limit and tell them that their APR is fixed, only to make a drastic change like this with less than a month of notice. And if I don't hear from you, I'll assume you're in the middle of a very important conference in a luxury resort in Hawaii, celebrating with all of your execs the brilliant decision that was made, while your formerly-faithful customers find better ways to buy the things they need. Sincerely, Chris Poe 695 Pineloch Drive, Apt 1604 Webster, TX 77598 poechri@gmail.com CC: Federal Reserve Consumer Help PO Box 1200 Minneapolis, MN 55480 CC: www.consumeraffairs.com

monthly minimum is $99.00 but I am paying $200.00 on time.This February they are charging me $239.00 minimum +

I phoned Chase and was told that my Visa card was changed from 2% to 5% on the minimum monthly payment. This amount is based on balance due. The increase has raised my minimum monthly payment on February statement to $426 from $171. I was shocked! I explained to Chase that I could not afford this high increase. No reason was given except that banks are having a hard time. They gave me the option of keeping the 2% minimum payment but I would have to accept an increase from the original 2.99% or 3.99% fixed rate UNTIL BALANCED PAID to the 7.99% card rate. I am being bullied into accepting the higher percentage rate, since I cannot afford the higher monthly payment. When I used one of their checks to put a large balance on at the low fixed rate offered, it was my understanding that it was UNTIL BALANCE PAID. I am very upset with this! I have not used that visa card since applying the large sum several years ago. I have faithfully paid each month on that amount, bringing monthly payments down from over $300 to $170. The implication seems to be that Chase is not making enough money on this card as it currently is.

I only accepted the promotional rate 6 months ago. At that time I agreed to 4.99 for the life of the balance. Less than 6 months later, they are forcing me out of this agreement so that they can collect more revenues.

My balance as of Jan. was about $9,000.00, most of it in cash advances. I know, pretty stupid! That month they decided to nail me with a 45% interest rate!!! Not 4.5, but 45.99! This month it's back down to 24.99, pretty much around where it's been. My credit score is pretty good, in the mid 700's, so what the hell is that all about???!! The only answer I get, of course, is I'm sorry sir. So I've joined a local credit union with a FIXED 9.9 rate, and closing that disgusting account. Any wonder we're in the shape we're in? I'll bet those yahoos also got some of that bailout gravy. I don't want to drag this out, but feel free to contact me. I can write pages of my disgust over this. By the way...your local Credit Union is the way to go! Take the time and check it out!!

In these financial times, I thought their would be help for the consumer, but obviously it's all going to the banking industry.

I was being charged:$11.99 every single month. For a service I had absolutely zero knowledge about! When I had gone over my credit limit by $10.00 US Funds (Being a natural born US citizen). Chase Credit Services, had increased by APR, AKA Annual Percentage Rate, From 17.99% To the Maximun permitted by Federal Law. A Staggering increase of 29.99% APR! When I called Chase Credit Card Services to file a major complaint concerning these two agressively illegal and costly measures that were Implemented by Chase. Though never brought to my personal attention. Chase became extremely hostile, arrogant, condescending, and outright Beligerant with me, personally. I was having significant amounts of money being stolen out of my modest income. Fraud Protection Services, To the tune of over: $251.79 US Funds, Over the Course of twenty one months! In Addition to the 12% Increase on my APR For this Chase finacially backed, Amazon.Com credit card. When I had become aware of this Loan Sharking Manner of stealing additional funds out of my pocket. For a period of time that was twenty one months. This Outrageous increase on my APR to 29.99% Cost me an additional amount of money Within that twenty one month time Frame. Which in turn had cost me an Additional $3,024.00 RE: The Loan Sharking interest rate of 29.99% All Predicated on a purchase that I had Made with this Chase credit Card from Hell! My payment for the prior billing Cycle to my Chase funded, Amazon.Com MasterCard. Had not been applied to my Account in an expedient manner. Which In turn, Caused The $10.00 Monetary Amount of US Funds. Causing my credit Limit to have been exceeded by an Extremely, Low amount of a breach of My credit card limit. Which, According To the greedy Monster's who are Employed by Chase Credit Card Services. Based on my having been told the exact Same, rote & robotic Explanation. In Effect my having been informed by Eight Diferent and also seperate Chase Credit Credit Card Sevices Departments, and All of the employee's giving me the Exact verbatim (Form Type Letter) Idiotic responses. Stating that I was Obligated to pay these (OUTRAGEOUS) Fee's, Whether I liked it or not! I was Threated with Chase, intentially and Deliberately, Destroying my Creid Score and Rating, also. While making Every conceivable attempt to bring this Madness to a screeching halt. Also, While still paying these inflated Charges, to this Chase backed (Funded) Credit Card. Chase took it upon Themselves, To send slanderous,libilous And very damaging, Incorrect Information concerning this battle. Directly to Experian Credit Reporting Agency. Which in turn caused this Intentially Falsified, in addition to This information being 100% incorrect. Experian shot out warning notices to My seven other Credit Card Corporation's. Which in turn, Increased my APR on Every single Credit Card Corporation I have an account in Perfect standing with each and every One of the seven other credit card Corporation's. Verified to me over the Telephone, by email and also by my Having requested hard copy reports. From each and avery one of the seven Additional and also seperate credit Card Corporations. I also filed for my Credit card reports, From The Three Major credit card reporting agencies. When I received these hard copy records By snail mail. Transunion and Equifax, Stated that I had PERFECT payment Histories with all of my eight credit Card Corporations. The Report that I Received from Experian, Was frought With False, and also very damning Information. To conense what Experian Stated, Goes as Follows: This Individual Is Frequentltly Late In Making His Credit Card Payment's In A Consistantly Late And Irresponsible Manner. This Individual Has Taken Out A $50,000 Installment Credit Loan Of Unknown Origins, And Is Consistantly Late In Making Any And All Payment's In A Constant And Ongoing And Continually Irresposible Manner. This in turn increased the APR on Every single one of my credit Cards! I also had my credit limit, Rolled back. By amounts that were Between: 20% - 50%. This was all due to Chase Credit Services, Having in a Irrifutable and also a Verifiable Manner. Had In The Most Maliciously Evil Attack upon me personlly. In Addition to having intentially and also