Chase Credit Cards Reviews

I'm extremely disappointed in the service received from Chase Bank - with multiple representatives. We had a travel via our rewards points booked with United Airlines for Italy. Due to the coronavirus outbreak and traveling with a lap infant, we hesitated to keep our trip. I called United and Chase for days this week to find out if there is a travel waiver for Italy yet, and have patiently waited. Chase has been unhelpful from the start and said they have to follow whatever the airlines rules are. The airlines have been very helpful, and encouraged me to wait a few days.

We had the Chase Ink Business cards for about 20 years now and they have been simply fantastic. We've got about a dozen employees that are cardholders and when we get the statements it all broken out by cardholder. The points are fantastic and they have the BEST selection of gift cards to choose from. Amex has a poor selection of gift cards to choose from and it requires more points than through Chase. Chase Gift card delivery is quick and easy. The phone service is what really sets Chase apart from Amex though. You can instruct the call center to not put you through all the ridiculous prompts and get right into queue for a live representative. Also....seems like their call centers are in the US, which is a plus. Can't say enough good things about Chase Ink Business cards. Far better than Amex Platinum!!

I have been a customer for over a decade. I was clearly cheated from a merchant for thousands of dollars and they did little to support the individual customer. And instead reposted the bill without notification with interest! Would go with a different credit card altogether... Even their login/UI is sub-par... And submitting any issues is archaic.

I was with my son on vacation in Costa Rica staying in an AIRBNB. On Monday September 16th there was an unauthorized entry to our unit while we were out sightseeing. My son’s wallet was in the unit and all of his credit cards were fraudulently used/scanned. My son contacted CHASE and reported the fraud right away. Now, four months later they have decided to deny the fraud and make him responsible!

Chase raised my credit limit one year then I paid off and lowered next year with no notice and after being a customer for over 20 years. Never late on a payment, higher credit score, but decided to lower by 7,000. I called and they were not friendly and offered no help but to run my credit for a card I have already had for 20 years! Do not use Chase! Too many other options out there that will treat you better.

Save yourself the frustration and bank literally anywhere else. My information is leaked and I need to replace my credit cards every 2 months. This happens on all of my accounts, even cards I have NEVER used. So they can't keep your personal information secure. Now that I want to close all my accounts due to their lack of ability to protect my data, they want to charge me fees to transfer my money to my new bank. They are the WORST. DO NOT BANK WITH CHASE!!!

In July 2019, while traveling in Chile attempted a taxi ride from airport to town. Taxi driver said card reader did not take card. Gave him the card so he could try (mistake, I know). He returned card and said it did not work. Was charged 1446.63 (no designated currency) times 1.0000000 (exchange rate), obvious fraud. This charge was caught immediately, because I get charge alerts and reported to Chase. Chase's review says we were scammed and they are not responsible. Chase excuses themselves because I willingly handed my card over. I willingly turn my card over in restaurants and to merchants throughout the States. This is after 17 years with Chase!

I rarely write reviews but this really upset me with Chase United Explorer. I rented a car in Europe and I got the worst service being stranded by the side of the road because the Sixt rental company didn't give me a chip that I needed to charge the EV car. Coming from US you cannot charge with your CC or Apps and the agent didn't tell me or give me the chip that is required to charge your car by. I missed my cousin's rehearsal dinner and was stranded with my son for hours. So, the car company gave me 20% discount because they made a mistake but I don't feel that I should pay for the car since it was a huge hassle to even have the car on top of missing an important event.

I monitor my Companion Pass mileage. A charge in November put me beyond the 110,000 required points and I was going to spend lots in December so I saw it as a non - issue until I noticed the charge was held in pending past the November close off. I called Southwest and the person said she would move my closing dates so there was no issue. I checked and they are not moved so my November and December purchases are not going to be credited to my Companion Pass until January- past the annual deadline. Rather than fix/address the issue I have received numerous emails that are circuitous, incorrect and useless. Chase is supposed to be a bank! If they screw around with points miles how can they possibly manage money!

It's a nice card, I applied for it few months ago and already was able to purchase free flight tickets for my upcoming trip. If you have a high credit score and no history of missed payments and looking for a rewards card, I recommend applying for it.

Chase Reserve not worth it anymore. There’s so much fine print on the benefits it’s impossible to get the value out of this card. I’m dumping it and going back to my Citibank American Airlines. Give me no hassle about using similar benefits and does not charge me $450. One example: we arrived minutes after midnight and our prepaid rental office at the airport was closed. We had to rent from another company. Called Chase that night, called Chase next day, call Chase for the next three weeks and zero credit.

Had an issue with a local dentist. They claimed that my insurance refused to pay anything for a procedure. So I paid with my Amazon Visa. The bill was $ 575.00, but they charged the card $ 670.00. Discovered the insurance company did pay $ 585.00. Got proof of payment from the insurance company, sent it to Chase Amazon Visa. They said it wasn't good enough to dispute. Said I must send proof of HOW it was paid. A check number, or wire transfer number. Really? They are stalling, and making up excuses not to reverse the illegal charge. They DO NOT have the customer's interest in mind.

I lost luggage on trip to Europe, filled out the forms, and then Chase said they needed me to provide a form from Norwegian Air. It is impossible to get anything from Norwegian Air, and I assume Chase knows this- thus they paid me nothing even though I lost $1400 of luggage, including a brand new suitcase. Bottom line- Don't assume you are covered for lost luggage, or any other insurance, from Chase.

After 15+ years of being a bank customer and a credit card customer with several credit card accounts, Chase decided I was a credit risk and drastically lowered my credit limit on all credit card accounts issued by them. I have never paid late, missed a payment or went over my credit limit. 15+ YEARS. By doing this, Chase lowered my credit score by almost 10 points. IT SHOULD BE AGAINST THE LAW. IF YOU CARE ABOUT YOUR CREDIT HISTORY AND RATING, DO NOT TRUST THESE PEOPLE.

Just opened a new Chase Visa -- haven't even received in the mail yet. Chase "fraud team" calls me today. I call the number back and the person answering is confused as to why I called? She first tells me she will send me a text, to verify who I am. Then says she is unable to do that. She asks if she can call me back. Call calls from a Texas number. I didn't answer again. No messages left. Strangest thing. I have three other cc'd from three diff banks. This has never happened with any of them. As soon as that card shows up, I will certainly cancel. Not worth it. The entire scenario has fraud written all over it. Totally unprofessional.

I have been a loyal Chase Credit card Customer for 35 years, never failing to pay my credit card balance in full. Last month I was the victim of a scam. Subsequent to that issue, Chase has canceled both of my credit cards and does not intend to reissue them. This is how they reward 35 years of loyalty? I do NOT recommend!

Chase is a predatory business. I've had 4 Chase credit cards. I had 2 years ago and was signed up for paperless billing, after they canceled their Bill Pay service with my bank (couldn't pull their scam with Bill Pay). They were supposed to send an email a week before the bill was due, but they would periodically skip the email and I'd only hear from them when my statement was past due and they tacked on a large late fee and credit charges (I always pay the full amount of statement to avoid credit charges).

I have multiple credit cards with Chase and Chase cards continues to be my go-to credit cards. I will always be a loyal customer service to Chase due to responsive customer service and fair consideration of credit card purchase disputes. I have had credit cards with American Express and Capital One, and I have to say there is absolutely no comparison when it comes to the way they work with their customers.

We pay $500 a year for our Chase card, and the customer service is TERRIBLE. I can't count the number of times that I have spent hours on the phone with them about simple issues, to hang up with nothing resolved. They have messed up our travel reservations 3 different times now and have tried to make us pay for their mistakes every single time. This card is HORRIBLE.

One of the worst customer service experiences I have ever had. After being told I would receive a $200 credit statement and $3,000 bonus points after spending $1,000 in my first 3 months. I called the customer service today to figure out why my card still wasn't here and come to find out I only get $100 statement credit. Talk to a manager and they kept repeating that there was nothing they could do after their customer service agent lied to me. Was their fault and they did nothing to even fix it. They obviously don't care about their clients concerns or the fact that their customer service agents are in the wrong.

My card has been having fraudulent activity so when I called to get it fixed not only did the caller sound unconcerned with what my needs were but he was also extremely rude and kept placing me on hold without notice. This has never happened before as everyone else I’ve spoken to has been exceptional, moving forward my account was placed on hold and I’m being sent a new card supposedly this caller had filed a claim but my account is STILL being hacked and I am now overdrawn. Also side note his accent was super thick which is usually not a problem other than when you really need to understand what the person is saying. When I asked him to repeat himself all he did was get louder and more aggressive. After this I’m heavily considering switching banks.

Chase send me numerous Pre-approved offers with 0% rate for 12 months. I applied and get approved for $4,000.00 credit limit. So I using my limit and set up payment auto draft from my bank account. I paid off balance before the promotion about expired. As soon I paid off the balance, Chase Credit card decreased my credit limit down to $500.00. It really hurt my credit when they do that to people who is excellent payments status and good credit like me. I have American Express and Discover and other credit cards credit limit range from $15,000.00 - $23,000.00. I am writing this review to help someone out there to know about Chase credit card will hurt people credit by decrease credit limit with no fault reasons.

I've had a Chase credit card for four years now. Today I noticed that my balance went from $5000 to $500. I called and asked why, and the answer was that they evaluated my credit report and since there was a negative mark they dropped me all the way down to $500! I've never been late on my Chase card and was disputing the negative remark because it was false. They said they mailed letters to me and I've never received a single letter. I am very upset with this horrible customer service and the fact they dropped me down after paying off my $5000 card completely. I've been a loyal customer and was treated horribly. I've never even been late on my Chase Auto (car payment)!

We have had a Chase credit card since 2016. We paid it off in 2017 and they increased the limit. I would call in to make payments so I didn't look at statements very often. We have not used this card since 2017 except for balances under $20 and were paying every month. We got a notice that the balance was $3700 when the limit is $3000. We contacted the bank and asked for statements and I literally have called every day for months. They just sent us new cards on June 28, however to date they have only gotten $1200 off. They wanted us to make a payment plan and we said no not until the fraud is figured out because I am not agreeing to the debt. They see how I have called and the disputes and they told me today the account is permanently closed because I wouldn't agree to a payment plan on spending that wasn't mine.

Not only did Chase deny my business a credit card after maintaining a business account and doing business transactions through them for over 4 years, but they also recently denied removing a charge from my account for a tv that was broken and the store refused to take it back. I had reservations about Chase years ago and decided to do business with them anyways. Things were good for a short time, but recently they have left a bad taste in my mouth and I feel very disrespected as a loyal customer. Time to find a credit union, CHASE DOES NOT RESPECT ITS CUSTOMERS ONLY ???? Take yours elsewhere!!

Chase does not honor equal pay on credit card. Beware!! They apply card returns to pay off equal pay arrangement prematurely. Go quickly to another bank. Have reported them to NYS Department of Financial Services.

I recently gave a call to customer services about my credit card payment not going through, which I had already made on July 25th. My account was on hold for no real reason why. The person who I talked with his name was Danny, He was very rude and impatient. I wanted to know the reason why my payment wasn’t transferring. He wasn’t willing to help me on it. Eventually he transfer me to another person. She made it much easier. It wasn’t so difficult to take off the hold on my account at all! But Danny however made it seem like it is a big problem, which it should’ve not been!

I was approved for over 40k in business and personal credit cards with Chase. We bank with Chase so I decided to use my business credit cards for a large project. I held a high balance for a couple of months but paid in full when I completed the project. Today, I found that they lowered my limits to $500 and $1400 on each card. This will of course adversely affect my credit score. Reason I was given was that my credit score lowered (which is very common with high credit usage and should be taken in stride with businesses who temporarily use credit for large projects). Should I known that Chase was so fickle with their loyal customers I would have used other credit cards and given them my interest payments.

Chase always make changes to their website payment pages. They are very confusing and down right deceptive, intending to confuse you to either make a double payment, or not finding the calendar (because they change the payment web page to confuse you) to schedule a future payment and just pay on the date you're on the site, though you intend to schedule to pay on a future date. This happened to me today - I didn't see the calendar, so I click on "Pay This Card". I figured it will come back to ask me to finalize the payment and then I can find the calendar. But it didn't ask me to finalize the payment, it just took my payment and showed a status "In Process".

I have a Chase sapphire preferred credit card. I am very disappointed in the service it offers. I had to dispute a transaction I had in FRANCE where Avis car rental company defrauded me several hundred dollars. Because this chase card is suppose to offer car rental protection I told the person renting me the car in France I refused all insurance. He then charged it to my credit card. They of course sent me a form letter that they found Avis had done nothing wrong and that the money will be included on my next bill. I will be cancelling this card very soon. I switched to it from American Express, a much better company. I am very sorry I switched.

I have all Chase credit cards because I am working with my cards and always pay them on time either in full or partial. I hate to dispute anything unless I have to. In 3 or 4 years using Chase cards and spending more than 200000 dollars, I probably called for dispute 3 times and all the time they denied me and rejected my request. I had all the photos and proof of my reason, but they always take other side’s back. This is very poor customer service. When they want you to apply for their card, they always say nice thing about how good it is and in some cases Chase will refund your money but all is joke. There are million people have the same experience and I am very unhappy. Worst experience.

The procedures to file a dispute overcharges from a merchant are handled in a totally inadequate manner. While the rest of the financial world is operating to communicate by email, when you enter a dispute overcharges, you are provided with a fax number, often an incorrect fax number, and have no assurances that your fax has been received, and when you finally get acknowledgment by Chase's dispute team, be prepared to speak to someone on the other side of the planet, who simply does not have the comprehension of the nature of the dispute.

This place is terrible. I got screwed on a cosign loan years ago. I have direct payroll deposit and they still refuse to give me a credit card. I said, "How can you not get a payment when you have the money before me?" This is all old ripoff millionaires with the bank procedures from 1920. Get with the times man.

I used to be able to call Chase and get an agent immediately. Now I can hardly understand the guy and they are so slow because "their system is slow" meaning they are overseas where the internet speed is unstable and crawling.

Chase Visa card, only a few months old, had my account closed by the bank after paying my bills on time as I should. Was sent a letter saying the cause for this action was "TOO MANY ACCOUNTS OPENED RECENTLY. BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS." Really, even paid more than the min payments and was in the process of paying them off before my other cards because they gave me my highest limit of $5100.00 of which I owed below $4800.00 at the time they took this action. I had opened several new accounts in an attempt to improve my credit score and standing with the credit reporting companies. I have never been late on any payment on any account I hold and do have the income to pay back all I owe.

I was ripped off by Limegreen Brooklyn. I contacted Chase to do a charge back. I have been a loyal customer for some time and never dispute charges. They gave me the run around and refused to help. I am out the money with no recourse. Customer Service is a complete joke. I immediately cancelled my card. They don't give their customers any back-up whatsoever. They treat you like you are the thief and give real thieves free reign.

I had a booking through Chase Travel using my wife and my shared Chase Sapphire Preferred care and points we'd accumulated, along with additional card payment. This booking was for our Honeymoon to South America and we were meant to leave on July 3rd. At 3:30am I had to rush my wife to hospital for emergency Acute Appendicitis, and she had to undergo an urgent Appendectomy. This was obviously out of our control and a terrible ordeal for my wife. I immediately contacted Chase Travel to cancel the flights, noting I would look to rebook these at a later date, once I knew the outcome of my wife's surgery and how well she would recover. I was issued with a credit for my original booking, which I originally thought was great and I could just rebook flights using that credit and pay the difference. However, this was not the case.

I applied for and got a Hyatt Credit Card from Chase and paid the annual $95 membership fee. After 2 months, they closed the account for reasons I couldn't even understand (because my credit score is about 800) and they refused to refund my membership fee. This type of tactic is essentially stealing customer's fee when the customer cannot benefit from the card for the full year the fee is supposed to cover.

In March I disputed a hotel charge, as I was charged for one too many nights. I contacted Chase immediately. The female who was handling the dispute was supposed to provide me electronically additional information required for the dispute. She never did. I contacted Chase again around the middle of April and was told the information would be posted to my account by the end of the week. By the start of the next week, it still had not been posted. Called again and was told the person would reach out to the original female who was handling the dispute to re-open the dispute as she had closed it of her own accord. Chase never got back to me.

Chase sucks. If you need a credit card, debit card or any type of financing option go look elsewhere like Amex, Cap1, in terms of rate and customer service they are far to be the best. They were charging me 30% interest rate and declined to lower my rate so I paid off the credit card and went elsewhere. Their customer service is far to be the best and their rate are horrible. Stop wasting your money all, go elsewhere. I’ve called Amex to help me out pay off my debts and they lowered my rate so I was able to pay off my debt faster and same with Cap1. Chase just care about making money on you and charge high fees and interest rates.

I have a regular business card, and Chase converted the card type to capital business (government account, which is not true), and converted all the points to cash without notice. I requested to convert back right after the date they took the points away. I got promised from customer service representative, account manager and also one of the executive, that they will reverse the card product and credit back the points (each time take 7 - 10 business days). But nothing happen. They said they already noticed me before the conversion, but it's NOT TRUE.

Rude and unprofessional customer service. I've applied for the credit card and got the letter that they need the photocopies of my DL and SS which I faxed them right away. But they lost it for some reason. Next time I sent it with regular postal mail and that time they told me that 30 days are passed so I need reapply for that again. Terrible service!!!

Chase credit cards are overall great. I like them on almost every benefit, except for extended warranty, which is a scam. It is handled by a third party company, Card Benefit Services. They will try hard to find out an excuse not to pay your claim. My wife had an phone failing due to hardware issue after 1.5 years use. Apple offered a replaced brand new phone on a discounted price since it is hardware issue. But in the repair report, Apple mentioned some COSMETIC damage but also stated the phone failed due to hardware issue.

I applied once and Chase made over 8 unauthorized hard inquiries in my credit report. I had applied once in 2017 and, now, I check my credit report and found multiple hard inquiries after that first application. Sometimes 3 times in one month by JPMCB Card.

I got a notice about changes to our current Chase Freedom card. It was written in gobblygook and I can't find anywhere that explains what it means. What I do understand is that the interest rate will go up to 22%. I checked the interest rate on our other Chase card that we had always paid 12% and found that it had gone up to 18%. I called Chase credit card services and was told that they sent me an letter about the changes and if I didn't agree with the new rate I had to notify them in writing. If I received such a letter it was probably written in the same gobblygook. In reviewing statements I found that the rate had changed once before to 15% before the 18%. Sneaky business practices...well, what would you expect from a huge international company who doesn't care about us. (Actual interest rates are rounded off.) Thought I was an informed consumer, I'm not, just one of the uninformed masses.

We have been Cabela's customers for nearly 20 years. We never had an issue with Cabela's Chase Visa and have had their Black card for nearly 2 decades. We had some fraudulent charges on our account in the summer of 2018. Cabela's representatives assured us they would be removed from our account, we should not pay the charges identified as fraudulent, and new cards were issued. Suddenly we started seeing interest on our account. Since we always pay it in full each month, this was disturbing. Hours and hours of being on the phone later, we were told that one fraudulent charge from July, 2018 of $475 was large enough it had to go to a higher level. But, since we did as instructed and didn't pay the fraudulent charge, the system charged us interest on the "outstanding balance".

I recently opened a Chase Sapphire Reserve credit card, attracted to the rewards and benefits the account offers. This morning, my wife went to use the card to pay for her lunch and it was declined. I found this strange, so contacted Chase to be informed that the account is under periodic review that will last 10 calendar days. This came as a surprise to me, as there was no prior notification that this was to happen. Yes, I realized this is buried in the Terms & Conditions, however, I find it absolutely unconscionable that this is done without any notice. And it can happen at any time throughout the life of the card.

They are useless... I was approved for $5000 and within a week and spending $8.00, they closed my account without a call or reasonable explanation. It does appear that they will audit you again and again to see if you are worthy of doing business with them. Will never try and use them for anything again, ever.

This bank does everything it can to close/reject your dispute for reasons at no fault to you. They have specialists call you and leave a return number/ext, which NEVER WORKS! Then they reject your dispute because they didn't hear back from you. They send you letters that never arrive, and claim since they didn't hear back from you they rejected your dispute. Do not get a credit card with this bank. They do not offer any of the protections a credit card program should offer consumers!

I have have a JP Morgan Chase credit card for over 25 years. I never had a credit card disputes before. I retain services from a merchant that failed to provide satisfactory services for $175.00. When I pointed out the mistakes the merchant stated I will correct the issues for another $175.00. I disputed the charge on my credit card. The credit card dispute department didn’t know what to do?? I contacted Chase Executive Service it was the same with them. Now I am stuck with a damage item that I must live with, due to the fact that Chase does not have great training for their employees in this area. I am now searching for another credit card company that can services all my needs. I was informed to check out the Barclay’s Bank Card. I was informed that care about their clients.

Chase closed an existing credit card that I had faithfully made more than the minimum payment as well as a new card THEY issued ME. When I asked why, I was first told they couldn't disclose the information over the phone. A second representative said it was because two other credit card companies closed my accounts in December. One was a store card I hadn't had since the mid-90's and the other was one that OPENED in December. A third rep told me it was because (and she umm'd through making up reasons that would seem logical) because I had too many credit inquiries (the one they made to give me another line of credit the week before) and that my original card hadn't been opened long enough. Additionally, I was told there were no supervisors, managers or higher level staff in the department that decided to close my accounts. There is no accountability or apparently anyone in charge of that department. Worst customer service ever.

Lousy customer service. They're not there to help you. I got charged for items I did not charge. They canceled my old card. Issued me a new one and a month later put the charges back on. Went back and forth for months. I had to do everything in writing. More or less they just told me I had to pay. Very bad company. They are not there for their cardholders. No protection at all. Their fraud department is a fraud. Never will I ever use this card again. Why can't the BBB do something?

Went to bank and paid off the entire account. Two weeks later I received a bill for 68 dollars. They said it was for interest that compounded on a daily basis. I wouldn't pay it, so they sent me another bill for more interest on the interest that they said I owed. Now my bill is 78 dollars, I sent it to them, I hope that's the end of them, after a while they like to jack you up to 20%, As time goes by they like to jack you up to 20%.

First of all some of the persons I spoke with were very kind. Most of the reps in Fraud were not so much and a couple were condescending at best. I applied because of my Amazon PRIME MEMBERSHIP advertised a 70.00 off with a Chase/Amazon Prime Credit Card. Over the last few years I have worked hard to bring my credit score up to average between 720 and 740. I even just closed on a new home last month. I wanted to take advantage of the 70 discount as I AM PURCHASING A FEW BIG ITEMS FOR MY NEW HOUSE (Sorry caps lock slip).

I was trying to dispute a charge with Chase over an Expedia charge on my card. After disputing back and forth for almost 5 weeks and for me providing documentation, they took Expedia's side and said it was a valid charge on my account and deducted my account for 308.00. They did nothing to try to help me. I do not recommend Chase cards to anyone. Go to Capital One instead if you want great customer service!

I tried to dispute an unwanted charge on my Chase credit card. I spent hours on the phone with the dispute department trying to explain my situation. After about six weeks I received a call back from Chase and they said the merchant was contacted and they claimed the charge was valid, so they are deducting $70 from my account for something I didn’t even know I signed up for. I thought I used credit cards to protect me from situations like this. Little did I know that even when you a cancel a previous card, Chase will forward any transactions to the new one, different number and all. I always thought the customer was right, not the merchant! My card was canceled immediately and I signed up with Citi. Stay clear of anything to do with a Chase credit card!

An AutoNation service dept charged my daughter $195 even though no repair was done, and there was no signature authorizing the charge. After months of complying with Chase's dispute process, we were told Chase considered the charge valid, with no explanation other than that. I'm guessing AutoNation is an important Chase/JPM customer??? So the cardholder gets no help with a bogus charge.

I booked international flight using Chase ultimate reward portal. I am not able to cancel/reschedule my booking. There is no way we can do it online. We have to call the call center and they have long waiting time. And every time I called them they said system is not working so either wait for 45 min to get to supervisor or call again. Call center experience is really bad.

The situation is that a vendor double billed an expensive item to my card. No order number, no email - just a $2259 charge. I was selling a home, buying another and moving to a new state and I lost track of the charge. However, when I did get a hold of the vendor, they admitted the mistake and was initially responsive to my inquiry. They promised a check in two weeks - a check that never showed. After a few more messages the vendor promised a new check - that never showed. Slowly stopped returning calls.

JP Morgan Chase is by far the worst, or maybe Synchrony, credit card issuer. Unless you have a premium card you get International customer service. They charge the highest interest rates. Their Card benefits have stupid restrictions like requiring you to book travel the previous day. Worst of all after paying a boatload of interest they will not help you out in any way once you have paid your debts in full. Of course, it is not in their policy to do it but every other credit card company is willing to waive fees and interest as a courtesy. ** Chase Bank.

I've been a Chase customer since 2012 and have done essentially all my personal banking through Chase Bank. In general, I don't run into many issues, however I am extremely disappointed in how they have handled my recent card issue. In October of 2018, I experienced a fraudulent transaction for several hundred dollars on one of my Chase credit cards. The transaction was made by an anonymous PayPal account, in which my stolen credit card information was used, and the purchased goods were sent to my billing address.

Beware of enticing rewards program of Chase Credit Cards - your miles don't go as far as other cards and chase does not advocate for you.What I wrote on Chase's Facebook page 4/08/19 >>> I am not feeling that you're putting ME first as a personal and BUSINESS customer. I decided to switch over 2 personal cards and one business card to Chase from Merrill Lynch. I am trying to use my reward miles for the first time to book a hotel room that shows on the search page as 14,346 pts. per night. I am getting hit with a 9,000 mile surcharge PER NIGHT for a charge the hotel is trying to pass through a charge to me of $100 per NIGHT because I have 4 people in a room (my 3 teens and me).

I was offered Chase Card thru my Amazon Account. Had it for few months and then all of a sudden all my Amazon orders were put on hold due to the pmt issue. Apparently, Chase closed my account with no explanation...no letter...no email. I have excellent credit score and have never been late with any pmts on any of my cards. No more Chase for me. Horrible experience.

I have made numerous contacts regarding a rebill to my account. A rep said that my account would be credited $1660.00. She would send a paper copy showing it would be listed as a rebill, because that is how Chase does it. I questioned, "A REBILL?" "Yes, that is how a credit shows," according to her. The bill was for Sprint, Sprint billed me in error. As soon as I saw that on 12/11 I disputed this. At about the same time I had received info From Sprint President (located on Facebook). He immediately directed his agency to remove bill. The following month a rep from Chase called. I was currently in a Dr's office and I said, "All is well. Sprint took care of my erroneous bill..." At this point the Chase rep decided to do a REBILL instead of a credit and things have gone from bad to worse. The ironic part is the girl tried to tell me that Sprint is still owed $1660.

I am immediately switching off of Chase Bank accounts. Time after time I've had a horrible customer service experience with incompetent agents, all the way up to their supervisors. I booked a hotel using my points and wanted to cancel it. I went to cancel it and the page said (in the Chase portal) my points would be refunded in 10 minutes. Therefore, I went ahead, and wanted to re-book for a different night.

Attempted to use points to purchase airline tickets. When asked to enter a valid Chase credit card number we were repeatedly flagged that a valid number needed to be entered to complete the transaction. This continued to happen despite trying to use three different Chase cards. Not surprisingly the service representative was unable to resolve the issue but dutifully registered the problem and told us they would get back to us in a week. Of most interest upon hanging up we immediately accessed the same tickets via the same website and using the same Chase Sapphire credit card this time without trying to use our points and the credit card was immediately accepted and the transaction completed. Give this company some serious thought before you sign up or do business with them.

Upon going over my Chase Slate credit card account summary online I received a notification as to a gift. It implied I qualified- pre approved for the Chase Freedom Visa Platinum account. Just apply. I applied and was denied! Not cool! The Slate account balance I plan on paying in full to which the account will be closed ending any and all business with Chase.

Held a Chase United Club card for over five years ($450 annual fee). Card was compromised and account had to be changed four times in last 16 months, a major inconvenience. Biggest problem was finding an unfamiliar phone number listed as a contact on the account, and not being able to speak with a Chase rep about it (“All our representatives are busy; your hold time will be >10 min”). Cancelled card.

I was scammed last October for around $530. The transaction was done through PayPal but they advised me to dispute it with the card it was run on, Chase. When I did, they notified PayPal who then placed a hold on the funds of the merchant's. Two months later, Chase then informed me they are closing it not in my favor, claiming I never provided proof, when in actuality I have submitted loads of proof and filled out a letter they sent. But they claimed I did not.

I have had nothing but problems with my Chase sapphire. I love the card look and its benefits, however the customer service is the worst. I have been locked out of my account more than 20 times in less than two years. Chase cannot give me a reason for why this happens. And they love to cold transfer you and waste your time again and again with agents who don't know what they are doing.

Chase is literally the worst bank of all time. The PR or communications department needs to be fired and their policies are incredibly dense. I signed up for an Amazon credit card as well and they have not given me any payment information. I did not even know this card was issued through Chase until I got an email 38 days after the payment was due. No call, no email, no mail. I only have a credit card with these people and I've told their team that I cannot make an online Chase account because every time I log in my account is either suspended or is not eligible to have an account. They have told me that the only way they change the late report is if there is a bank error and they refuse to acknowledge that not informing the consumer of expectations, not discussing due dates, and not allowing customers to make online accounts are all bank errors. Truth be told, I would NEVER have opened this card if I knew it was through Chase.

Chase just dinged me for a late payment and took my credit rating from 800 to 714. I received no bills, paper or via email. After talking to them they said there was nothing they could do! I told them there are no emails in my inbox or spam, no paper because I set up paperless when I signed up for this credit card via Amazon. Spoke with two reps and zero from them. I have zero bills. How can I pay a bill if I did not receive one? I cannot. I have a business account with them that I will no cancel and will never ever do business with a company that takes zero responsibility on a problem that was at least partially theirs. I take responsibility for my part of course. I have no reason financially not to pay any of my bills and have done every time (except this one instance) my entire life. No hyperbole there. I'm 51. Now I get to work my credit back up to 800 from this 714 spot in the next few years because Chase refuses to change it, fully in their power to do so, but won't.

I had charged on my card back on Jan 9, 2019 to get my car done thinking I needed to get it done. Found out later, the car business who said I needed a major work done was not that necessary to get done after all. He scammed me as I found out from another mechanic. So when I got this billing statement from them, I tried to dispute it and got the merchant's email but no response. I tried to follow up few times with Chase and they said I needed to do a Validation Letter so I finally did last week. They didn't get the pages to the front page of the Validation Letter faxed at Office Depot so I had to get the whole thing re-faxed to them at Chase Bank. No one at Chase, supervisor or Dispute Dept couldn't help me even online to send attachments when there is no place to send it. This is a sad credit card business. You relying on them and they can't support or be there for you.

As a new customer with great credit opening a new credit card attempting to make a balance transfer, every employee at Chase that I spoke with over 2 days for over 5 hours was either completely incompetent, rude, or unhelpful. They have now negatively affected my credit score 2x, left me totally unsatisfied with the card I applied for only a week ago and now cannot cancel. Wasted hours of my time and money, and there is no one to help since their employees are obviously unknowledgeable and unequipped to assist in any way. DO NOT APPLY FOR ANY CHASE CREDIT CARDS. You will be entirely disappointed and there are so many better options!!! WORST COMPANY I HAVE EVER DEALT WITH. ;-(

Decided to look for flights using Ultimate Rewards so I could use my points. I book a flight and tell my travel partner to do the same (also a Chase card holder). She goes on and the flight is gone. We check a few minutes late and it's double in price. The customer support line says it's either all booked or a computer glitch. Hard to believe since I have a screenshot saying 6 tickets left at that price.

I made a reservation on Chase's Travel Services website for two flights on my cell phone. It was not properly disclosed to me at point of sale that I would have to pay extra for a carry on bag and seat selection. When you got to the website, the only option when selecting between different flights is to click the lowest fare, which is apparently now the basic economy option. As usual, I selected the lowest fare and then clicked the accept the terms button. This is what I have done dozens of times before. It was not until after I made my reservation and got an email from the airline that I realized that I would have to pay extra for the seat selection and the carry-on bag.

I've had a Chase credit card for the past 5 years. I paid off the balances used at the end of each month and was never late and haven't missed any payments. I used the max on my credit card in Nov& Dec for furnishings for my condo and made a donation to my church. I continued to make more than required monthly payments and paid it down in large amounts twice in Jan and 3 times in Feb and Chase closed my account with an existing balance. Reason given they didn't feel they got a positive review from a credit company. I sent the credit company my W2 to prove I make more than adequate income to cover my credit card balance. I own a condo with 40% equity. Chase never offered a lower interest rate throughout my years with them. I don't recommend this bank.

I travel frequently and spend almost 25K/annually using my Chase card. Leaving Germany, I booked a flight with ICELAND AIRLINE. They could not guarantee me a ticket right away, so I called the ICELANDAIR customer service to canceled. I was transfer to some rep and after 20 minutes, he assured me that the flight back to SFO for $954.00 was going to be canceled. I then went to Kiwi.com and paid double that amount to get my ticket for the same day. I needed the guarantee because I could not have uncertainty when my work expected me to be at a particular location. Later, I realized that I was still billed.

I received a phone call from Chase whether I purchased online from Ticketmaster. I told her I did not and they told me they will take the charges off my account. They told me don't worry about the charges and said they would cancel my card and send me a new one. Well they sent me my new one and kept one charge on the new account. When I questioned it they told me they would review it again and get back to me. Well I received a letter today saying that the reason they can not reverse the charge is because I received benefit from the transaction! I didn't receive anything but from anywhere! I canceled my Chase cards with this company. Not only did I pay what I owed in FULL every month I've been with them. They are liars when they say that we won't be liable. I still can't believe this. This card is a scam what they tell you to protect you but they don’t.

This would be the second or third time this happened. The bonus points promised when you go to a partnering website are not honored. This last time I was 100% sure to follow the instructions to a tee. I wasn't given the points. After talking to a subpar specialist once, nothing happened. The subsequent callback lead to a long call assuring me I will get the points on my next statement because I didn't wait long enough. Ok, fair enough.

Chase Freedom credit card has been ripping me off for several months now. I have been with them for many years, this started happening a few months ago. When you file a dispute or receive a refund or credit from a merchant, Chase applies it to last statement balance (they're now calling it "remaining balance") INSTEAD of applying it to the current balance. As a result, when you pay your January statement (for example), they apply the credit to that, but the current balance stays the same. Then, when you go to pay your February statement (for example), you end up owing Chase for the credit/refund they advanced you in January!

Chase statements and/or their cardholder online site access fails to disclose all the details behind the full outstanding balance. Trying to determine one's outstanding balance(s) subject to finance charges is anything but easy, even if you contact the service representatives. If you have a promotional rate/access check expiring after your statement issuance date it fails appear in the balance subject to interest.

Booked travel tickets on a Monday. Thought they were booked. The following Sunday I tried to login thru the airlines. No record of them. Called Chase. They said must have been a computer glitch. Talk to supervisor George was going to added the extra points on since flights have went up. George hung up on me after getting all the booking info. Called back to be on hold for a good hour. Thank god the lady was patience because we got another supervisor name George on the line that hung up before being fully transferred.

Chase Sapphire Reserve billing sucks and the people are rude. I'm canceling my card, and moving my mortgage away from Chase asap. The bank has gone to the toilet. If you make your payment 1 day late, your billing becomes very confusing and they start charging interest immediately. Junk! Going back to AMEX.

I had a charge for which no services were received. The merchant was untruthful. Chase provided no help. They said that I had to make the payment. I contested it and provided details of how the merchant was untruthful. I called to cancel and was told by the merchant that I was paid up and would receive no more bills. Yet I did. When I contacted the merchant they claimed that they did not close the account as I had been assured. By now I had closed the credit card account. Chase started billing me late fees. So finally I gave up and paid for services not received just to end this matter. Chase did at least waive the late fee. It would have been nice to see Chase come to the aid of a customer regarding this unscrupulous fraudulent merchant but they did not.

My family and I went to FL and rented a car through Enterprise. 2 adults 2 children. Stayed for 4 days. Barely drove the car since we were 5 minutes away from our destinations (Funeral, wake). Returned the car to Enterprise in perfect condition. 1st we get a letter from rental car company asking for our auto insurance info - no reason why. I called, left a message, no return call. 3 weeks later we get pictures of the rental car we “returned“. Omg it looked like it was sideswiped by an 18 wheeler! Whole family was in shock.

Their fraud department is horrendous. Last year my identity was stolen. My Disney Chase VISA card was compromised. Visa actually sent me a text alert because I bought gas around the same time the person was using my card across town at another gas station/Walmart/various malls. I spoke to their rep as soon as I saw the alert and the charges were removed.

I only have a bad experience with Chase credit card. First they changed automatically my minimum pay, secondly they charge absurdly 45,00 or more for interest fee, when I'm not even using the card for the last 2 month. But I'm reporting to FCC and also fighting back with Legal Aid! I'm very frustrated, as l called several times and they just don't care!!!

We decided to turn on autopay for Chase last month and set the payment to minimum payment. The month comes around and Chase decides to withdraw the entire statement balance from our checking. We thought, wow, what's the point in setting this if Chase will not honor the setting. We call customer service and they are pretty helpful and agreed to not charge any late fees, but I would need to call my bank to tell them to do a stop payment as my account is severely overdrawn. I request that Chase look into this bug in the payment screen setup and proceed to update the option to minimum payment again, just in case we somehow made the wrong selection. We get passed that situation to have it happen AGAIN. Today we have disabled the auto payment feature and will be going through the same issue again. Chase please fix the autopay screen of both your website and mobile app, it keeps defaulting to statement balance every time.

I took out a debt consolidation loan with my credit union to consolidate my credit cards. My credit union wanted to pay them off directly. The first check that was sent to Chase got lost in the mail. It was not received or cashed, so my credit union reissued the check and overnighted the check via FedEx to ensure it was paid. This also happened with another credit card company. Both checks were FedExed and signed for. The other credit card company processed my payment same day and shows the payment as pending until funds are received...but not Chase. The first time I talked to Chase, they said they process all their mail the same day it is received. However, now they are changing their tune, and saying it is going to take up to 5 days to show the payment was even received... even though I OVERNIGHTED the check to them.

Chase Credit Card pulled TWO payments from my checking account thus causing my bank account to be overdrawn! When I contacted Chelsea ** and Spencer at Chase, I was told that they couldn't put the money back into my bank account. I would have to wait 7-10 business days and they would MAIL me a check!!!

Company is terrible to work with - currently on anniversary trip with my wife celebrating 20 years and about to check into hotel when they stopped my card because it was approaching limit. I called, did a check by phone and paid the full balance of the card - at which point after they notified me that they need to hold the funds for 3 days before releasing the card. I explained that we couldn’t check into our hotel room and they didn’t care. Said it was a new procedure to hold the money and that we were out of luck. Stay away from JP Morgan Chase and their credit cards!!!

I called 4 time; all gave me different answer. The air tickets sold through Chase is much more expensive than booking directly through airline. Chase point might seem like a great deal to redeem airfare but those tickets are the lowest level, meaning no changing no canceling. Even if you are willing to pay extra for upgrading seat, you can't. I called to change my outbound ticket to travel from different destination. They had asked me to agree for a $50 re issue fee otherwise they cannot look it up for me (something about how their system works).

I went to use my points with Chase Sapphire and it now says they have limited inventory from hotels, airlines etc so even though the hotel and airline sites show availability I cannot use my points unless it is for some strange hotel or airline. I cannot get anyone with the rewards program to answer questions. They can only say that they buy only a certain amount of days and seats with hotels and airline. I asked to go to NYC at any time in 2019 and stay at a Hilton Hotel. There are about 50 Hiltons in Manhattan but they cannot find one available for me to use my Sapphire points.

I called them about an email I received for a purchase I didn't make. They told me dont worry about the charges and said they would cancel my card and send me a new one. Well they sent me my new one and kept the charge on the new account. When I questioned it they told me they would review it again and get back to me. Well I received a letter today saying that the reason they can not reverse the charge is because I received benefit from the transaction! I didnt receive anything but from anywhere!

We made an online hotel booking during Christmas, however, this unethical hotel website charged our Chase Freedom credit card a different amount which is 40% higher than the amount they advised online. We found out the same day and called to the hotel booking website to complaint and they refused to refund (unbelievable! I know!). My last resort was to call Chase Credit Card Protection and asked them to block the unauthorized amount. Chase Credit Card customer service supervisor told us there is nothing they can do at the moment especially during Christmas and advised us not to block but to wait until the transaction change from “pending” to “posted” status and then report to Chase investigation department to request a refund. So we followed their instruction.

Avoid Chase at all costs. I've paid our monthly bill in full...for years. Last month I entered the payment in our checkbook but forgot to make the actual payment and got charged a late fee. Not a big deal, right? Then, before the next payment was due they called to tell me they're cutting off my card! I switched to Capital One. If this is how they treat their good customers, I can't imagine how poorly they treat people with financial issues.

I've been a Chase customer for a very long time. Your new, updated website is a disaster. There's no easy menu to search, there too many useless graphics that are not helpful. I just tried to find a link for DISPUTES---I searched for 10 minutes and still couldn't find it. I really dislike your 'arty' but frustrating, not user-friendly, not clearly laid out website. It might be time for us to take our business to another company who serves the 'common folk' and not some genius, artistic web designer.

The overall customer service and have zero interest in you getting a lower APR. Misleading business practices are in fact true as you read online. You would have to do the math, daily interest, and actually overpay to have a zero balance, therefore resetting your account. Pretty sneaky eh? Try not to “Chase” after this card.

Poor business experience. Deceptive practices on their own customers. Anything for a buck? Hard to believe they know what each other is doing, sending me a cancellation notice and a zero percent promo offer within a week of each other. Email touts zero interest promo rate but in the fine print it shows that it doesn't start for almost two weeks. So... if you do use your card, that interest bearing balance is buried beneath the zero percent balance. You can't eliminate the interest fee unless the whole balance is eliminated. And beware... just because you have paid the statement balance doesn't mean there isn't last month's interest fee lurking for next month. You would have to do the math, daily interest, and actually overpay to have a zero balance, therefore resetting your account. Pretty sneaky eh? THAT'S CHASE!

I've been a Chase credit card customer for many years. Recently I accepted an offer from them to upgrade my card. I accepted, was approved and awaited my new cards. Chase began sending my notifications to someone else's email! Unbelievably, it was someone I know and he forwarded the emails to me. I called Chase customer service after the first occurrence.

Decided to open a Chase Freedom Unlimited cc, was automatically approved for a 7,600 limit. Sent me an email confirmation and how to set up auto payments and such. So I completed all of it, got card in mail, and when I called to activate it they said it is under review. Huh. 819 trans. so I asked what is the issue as they responded it was for my protection. So they call next day I answer and they say they need to verify a couple things. I said fine as the agent asked the questions. I answered basic information and she told me that she would get back to me in 24-48 hrs np. Called again next day same time need to verify information as I told them I did that yesterday but still had to answer the questions. "Under review," she said. I told her, "Never mind."

I collected my rewards points over a period of year and kept them safe only to use to book flight ticket as Chase encourages its customers to redeem the points for travel to get best of it. So I booked a ticket then I observed that I needed a change in the ticket so I called up the customer care and I was rightly suggested to cancel the ticket and rebook it instead of charging the existing one and I was also said that I would get full refund (as I was still under 24 hrs timeframe) within 15 to 30 minutes.

The customer representative at Ultimate Rewards are rude and completely incompetent. I tried to make a flight change, it took them 1.5 hours to complete a simple change. When I did a similar change with the airline it took 10 min. WTF? Also, the customer reps at the transaction dispute department was also extremely rude and unhelpful. When a product I purchased was not delivered, the Chase representative refuse to dispute this transaction for me. Overall, extremely unpleasant!

My SLATE VISA credit card limit was $5000 and Chase Bank closed my account with a balance under $250. They claimed to have sent a letter to me detailing how they arrived at this decision but I never received the letter. In speaking with an associate they said that because I had issues with my mortgage company is what prompted them to close my account! After Hurricane Irma, I got behind on my mortgage and the mortgage company reported that I was 2-3 months late. So, I finally catch up on my mortgage around June or July and all is well. So in October, I attempted to use my card but the transaction kept declining. I called to find out why and that's when I found out that my account was closed. Absolutely, no account issues with Chase but they closed my account anyway and our relationship is forever done!

I am currently applying for a Chase Sapphire card and I received a letter from Chase requesting I send a copy of my SSN, proof of address, a ID card. I called the number provided on the letter to verify that this was a legitimate request and not a fraudulent phishing scam and each time I was connected to a call center in India (yes, I did ask for the location of the call center). The customer service representative who did not speak clear English then asked me to provide my name, address, SSN, over the phone number (similar to fraudulent IRS calls). My frustration is that Chase has outsourced this department which handles sensitive information to a call center in India. It does NOT make sense to send my sensitive personal information to a foreign country in order to do business with a company in the USA.

This awful bank closed my account for no reason at all then held my money for a week and a half. I have fantastic credit and have never missed a payment in my life. They got a check from my work (I work for the government) and they were using the wrong website to register the check so they did not believe it was real. Instead of contacting me they CLOSED IT! Without any notification or warning. The check was later cleared as a good check but they closed my account anyways. When they sent me the money in the account they lost the tracking number and I did not have to sign for the package when it finally arrived a week and a half later!!! Anyone could’ve taken the package (my money). One of the worst experiences of my life. Very scary. HORRIBLE CUSTOMER SERVICE!

I applied for an offer for $200 off of hotel stay by opening a CC with Chase, but they gave me a completely different offer. Contacted Chase and they deny... Awful experience. I do not recommend... Back in September, I booked a room for 2 nights at Marriot. When booking the room, a Chase credit card offer came up to get $200 off for 1st stay, if I opened a CC with Chase and paid for the stay. CC has an annual fee of $95. After my stay, I called Chase and the offer was completely different for points, which are useless to me, as I do not stay in hotels when I travel. I did write a letter and again was turned down. Very disappointing, since I would have never opened a CC with an annual fee with point offers that are useless to me. Is there a consumer agency I could file a complaint? To me this was a bait and switch tactic that was used by the Chase and I would never deal with them again.

I got the Chase Sapphire preferred in the end of September when they had an offer of 12 months 0% intro APR. I thought that's great since I wanted to pay off a big balance over time. I was at the screen that had that offer, I applied, and got approved. I was redirected to a window with the "you got approved" and an APR percent. I thought it was odd but I assumed it was the APR after the 0% intro APR ends. My boyfriend called Chase to verify and we were told if you got approved then you automatically get the offer. Ok November comes around and I get my statement balance with $60 something dollars of interest. It is now obvious I didn't get the promo. I have now talked to 5 people, supervisors and managers. All saying they can't do anything about it.

Well I applied for a Chase Credit Card on the 14th Nov 2018 and I was approved and was told I'll get my card in 3 days. I waited for the whole 3 days. I didn't get any. I call back on Monday to ask them about it and I was told I'll get it by Friday. Well up till now I've not gotten it yet and I'm pissed off right now because you lied.

I bought into using a Chase Marriott card and earned 81k points which my statement indicated was transferred to my Marriott Rewards Card. However I then closed the acct and without my knowledge Marriott at "their discretion" wiped out all the earned points, including bonus points. Neither Chase nor Marriott were willing to do ANYTHING about it. It amounted to a type of scam about "bonus Points". Very very opaque business practice.

DO NOT obtain this credit card! Online access regularly fails with accurate (I write my user and passwords down) user and password information. Password reset link does not work. Customer service phone access has a greater than 30 min wait time. Every time my password fails and after waiting on hold for 30 minutes, the customer service representative apologizes for the link issue and regular password failure issue. Capital One is my preferred card now. I never, never have a problem logging in or reaching customer service.

Chase responded and we resolved the issue.

Our company has held Chase Business Cards for years. Today we discovered that Chase will not dispute an unauthorized charge on our behalf. Come to find out the merchant in dispute uses WePay, a Chase owned company, to collect money due on a bill, at the rate of 2.9% payable to Chase itself. This is a huge conflict of interest. We are a small contractor company. A subcontractor billed us and the bill was in dispute between ourselves and the subcontractor. The next thing we knew the bill was paid in full on our Chase card. When we called Chase they could not tell us who authorized a payment and told us to take it up with the merchant. At no time were we notified that the bill collector in fact was Chase itself.

I have been a cardholder of Chase Slate since 1994. I have always paid my bill and in fact had a zero balance for quite some time. I get a letter stating that they plan to close the account if I do not use the card. I make a purchase and had a pending hotel purchase on the card which was approved and a few days later they close the card. Now, I was planning to pay for a hotel for my vacation that is scheduled to take place within 7 days and I am not now able to pay for my hotel with the card due to its newly defined closed status by Chase Slate. I thought I was a valued customer since I had an active account with them for over 24 years. I primarily used the card for emergency purpose only and thought that this was a reliable company. In fact, Chase was the only credit card that I ever had. Do not get a Chase Slate credit card!!!

I have three "excellent" credit scores. I have three credit cards, one I've had for twenty years. I never carry balances. I never come near maxing them out. My home and car are paid off. The Chase letter cited one of my credit scores (Equifax, 822) as a reason I was turned down, and gave me advice on how to improve it. On the phone, somebody named Natalie told me it was a problem that my home was paid off and I have no ongoing loan payments. She told me one of my accounts had a balance. I explained to her that all of my accounts have balances until I zero them out once a month. She had no other answers about the content of the letter, and finally hung up on me, though I was consistently polite.

I've been using this card for 2 years. The card itself is pretty good for cashback offers and points redemption. However, I've discover a HUGE downfall in this benefits program. Chase claims that this card insure your delayed luggage up to $100 a day for up to 7 days. And based on my personal experience this is a deception. My luggage was delayed by airline for 5 days. I've provided all the proofs of it, but the process of proving me right took about 2 months and they basically old me that I'm not eligible for ANY compensation. Be mindful, that not ALL benefits which this card provides are completely true. There are a few similar cards on the market which customer service is not a joke.

I went to the bank to deposit a check that was sent to my husband who died this year. In the past, I was told by the bank that I would have to provide documents from the court that would allow me to deposit checks written to him. This I did and presented them to a banker. The banker deposited several checks in my account. The other day I went to the bank to deposit another check written to my husband and fell into the hands of K. ** --- Her help consisted of telling me it couldn't be done to finding that it could be done but accusing me of forgery because she found a check that had been signed by me with my husbands' name and my name.

Just called Disney Chase inquiring why my account has been closed. I made a large purchase, on a very small balance, and they closed it because I used 90% of my available credit. Isn't that what the card is for, emergencies?? I pay more than the minimum every month and intend on paying this account in full by the end of October. I always refuse the increase in my available credit by the bank, I don't need it. The recent purchase was not unreasonable. Is it unreasonable to expect a credit card company that I have be with from its conception, to be loyal to its longtime customers? So now an inquiry will need to be made, it's not worth it! I'll continue with my one other credit card, Goodbye Disney!

I wanted to get more 'bang for my buck' at Amazon so I signed up for the Chase Prime card. I was approved and have a $4900 limit. Issue #1: They have my name misspelled on the web account but correct on the card. So I ask to have my last name corrected. Their response: "Sorry, I can't do that. You need to go to a Chase brick and mortar." NOPE! Issue #2: I wanted to get a credit limit increase to $10,000. I have a credit rating of 829. They wanted to do a HARD PULL of my credit which impacts your score (and not a soft pull which does not affect the score). NOPE! I'll keep the card, pay it off monthly ONLY to take advantage of Amazon's Prime point back. If it wasn't for Amazon I'd cancel this card right NOW. Incompetent buffoons!

I requested to transfer 210,000 Chase points to Korean Airline on August 24, 2018. That day was the last day to transfer points from Chase to Korean AirLine. Korean AirLine is one of a few airlines which has "Round the World Bonus" program. It requires 140,000 points. Chase only transferred 1000 point instead of 210,000. That destroyed my dream to travel the world. When I confirmed that the request was done properly on August 30, Chase said everything was done correctly, and wait for 7 business days.

Here is my exp: the priority pass is a terrible thing which they have a tie up with. Don't get into this unless you read its reviews. The only good thing supposedly is 3 points on travel? and $300 travel credit but they charge $450 for that. I personally couldn't get admission into any lounges using priority pass and then I read it on internet hundreds of people complaining about it. I have BofA platinum plus rewards and I still bought this for lounge access at airports, but it's terrible.

I made a donation of $70 online to a charity organization and was sent a receipt $14,000.00 for the donation. I immediately contacted Chase and reported the issue. Chase advised me to wait until the bill is posted and then dispute it. Few days later the bill posted and I contacted them, guess what they said they can’t do anything about it and that I should contact the charity organization. A couple of weeks later Chase sent me a letter that the issue is resolved and I was billed $14,000.00 to pay.

I have had this card only 2 months and I have had an issue with 90% of my intended purchases. My purchases are declined almost every time, and when I check, I have ample credit available. At first I thought it was Amazon, but a purchase I tried to make this evening was again declined. I went to the Chase website and it stated I had zero available credit despite the fact that I had paid the card off last week and only had $40 in a pending purchase.

"I WOULD REQUEST NOT TO GO FOR ANY OF THIS COMPANY'S CREDIT CARD EVEN THOUGH THEY HAVE BEST BENEFITS AND REWARDS." I applied in the month of July. They said they want my state ID and SSN to be mailed to them. I send my application again. Called them. They say that my application is no longer active and have to reapply. Ok reapplied, sent the documents and then they say documents are not clear! I send them an email of my document which again took them 2 weeks to process. Now it's September 10, 2018, I still have not received credit card and my application is still in process. While the representatives to whom I was talking were really BAD and never understood anything and sometimes were rude too. "I would request not to go for any of this company's credit card even though they have the best benefits and rewards."

Fraudulent charges appeared on my credit card for internet purchase. After removing charges initially they were reapplied. I could not prove I had not made the purchase so I had to pay for 2 basketball tickets from Stub Hub. I canceled my card.

Ever since I opened an account with Chase it has been a hassle making transactions. They have held credit and frozen my account several times claiming "fraud alert" but the one time I dispute a charge they decide to side with the merchant even though I had proof that the merchant made two charges for 1 product that I purchased. Beware if they transfer you to Amit **, he is incompetent and does not use common sense. After a couple months of playing tag on the phone he denied my dispute so I have to pay for the money they stole from me, so I'm closing my account and will tell anyone I can to not use Chase and their credit cards. They are not here for the consumer, they do not care.

I first called about a charge that shouldn't be on my account for $114.00. At first they acted very nice and told me not to worry about the charge, it will not reflect on my account. Then they send me a letter saying: We've blocked this charge from the merchant... and then it says "you shouldn't see this charge on your account in the future". First I'm told that this wont reflect on my account, and now I "shouldn't" see this charge on my account in the future. They say one thing on the phone, then they tell you about future charges in a letter.

Chase is NOT a good credit card company if you have an emergency - I took my son college and flew home. I maxed out my Chase card on the trip. I reserved a car to drive home but when I went to pick up the car they wouldn’t give it to me because all I had was a debit even though the reservation was made with a debit card. Called Chase to give me temporary emergency increase but they wouldn’t do it without a hard credit check. Do NOT get a Chase card.

7/26/2018 I opened a dispute with Chase. Case #: ** Between 7/26/2018 and 8/16/2018 - Marginal ** from Chase and I played phone tags. We left at least 5 voicemails for each other. She was looking for information. We were able to speak only twice and I provided information she needed. Once when I called, I didn't have credit card on me so I couldn't verify the CC#. As a result she didn't provide any service that day. 8/16/2018 - I called to report that I've misplaced my CC and also discuss this dispute with someone. Miguel was the new specialist that "tried" to help me.

I'm a longtime client of Chase. I am very frustrated! Every time I make a purchase from one of my merchant suppliers, using either my debit, business debit, or my credit card, I have to call the Chase Fraud Prevention phone number and go through the hassle of verifying my identity and attempting to run and rerun the charge for the purchase. It wastes hours. Instead of a quick click and done, I am clicking, waiting, calling... And then having to try to do the purchase again. This from a merchant I order from twice a week on average. Seriously?!?!

Where to start- initially I wanted to look into opening a new credit card, I have been using the same Wells Fargo account for about 12 years now and thought it would be nice to add a new account to my credit score. Heard about Chase offering a free balance transfer and 0 apr for 15 months, figured I would try it out and transfer over some money to have a 0 APR while it sat. For starters- I filled out the application and the card opened with a LIMIT of 2,500. Is that a joke? I literally am a homeowner with 2 cars paid off and 3 other credit cards with over 20,000 in limits. Chase opens at 2,500? And on top of that- they charged me a balance transfer fee of $100.

At the time I signed up for this card the promotion said that the card would be interest free for one year. I checked my bill and they've been charging me interest for months and I haven't even had the card a year yet. I called them to discuss this issue and was told that it was only interest free if you paid the balance off within 30 days. That's just not correct, every card is interest free if you pay it off within 30 days. That's not something that you'd advertise as being interest free for one year. This must violate some sort of Truth in Advertising Law... or are we as a society not even pretending that we're trying to honestly represent products and policies anymore.

So I was just denied a Chase Freedom credit card after a 20+ year history with Chase. I have AX, Capital One Quicksilver, Citibank, and the bank where I maintain my checking and savings does not see me as fit to have their card. My CS are 725 and 696. If I had known this would happen I would certainly not have applied as it will impact my credit score. I will happily continue to deal with AX who has been great as well as Capital One and Citibank. I have to maintain the checking account at Chase as it is tied to my direct deposit, however, I will be shopping around for a place to keep my savings account. They are not a consumer institution.

Tried to transfer rewards points from Chase to SW airlines. Online system informed me that only my husband (primary account holder) could transfer the points to a household person in good standing, or something. No way to put my name in. I, wife, have a card (Chase Sapphire Credit Card) and pay the bill. Somehow Chase removed me from the account, then put me back on... but didn't bother to fix the rewards information. Call them: nothing they can do for 10 days as they must contact the marketing department who will research it and send me a letter. Now I am paying $1200 in airfare instead of using my points. Chase has no one (NO ONE) who can override the mistake... only the marketing department. Will be research new cards. Not that Chase cares.

I recently paid off my account for $2600 in full. Every payment was made on time. In June my credit score dropped down almost 100 points. I thought someone used my card. Chase had put a $38.00 interest charge on me and never notified me. I never received an email, phone call or notice via US Mail. I had no idea it was due and it went into collections. I disputed it with TransUnion and they investigated it. Chase told them the information was accurate and I never had a chance to plead my case. I immediately closed my account and did not receive any rewards that were promised me. I will never deal with these crooks again. They are nothing but a crime syndicate and charge more interest than the Mafia.

My card only has $37.00 for a balance and I was charge $65.42 in interest fees, WTH is that. I filed a complaint and the messed up part is this card was paid off for a month so there is no reason for such a ridiculous charge. People we gonna have to keep watch on the interest we are being charged and for how much.

With Chase rewards program their customer service booked a ticket in March 2017 for my son and we cancelled it. They issued a credit with JetBlue for $1031.56. I called back Chase rewards program in January 2017 to book a ticket for myself using the credit and after waiting for 1 hour on the phone I talked to 3 different people telling me 3 different things. One telling me that I could not use the credit for someone else than my son, another said that I could use it for myself, and another told me that it would cost me almost 40% of the amount in the credit in penalties to use the credit to issue another ticket but that the credit will not expire!

I have been a member of Chase for 4 years and only carry their Chase Freedom and Chase Amazon credit cards. Over the course of 4 years, I would call in to request a credit limit increase and their policy is they have to perform a hard-pull on my credit reports. Out of all the other creditors I have, Chase is the only one who not only requires a hard-pull for a credit line increase, but they don't perform automatic increases. I do not need the extra money, but a higher credit utilization to bump my score. I might as well apply for a new credit card if I'm going to endure the damage of a hard-pull.

I am 67 years old and in all of my years I have NEVER dealt with a worse company than this bank. I was a victim of identity theft on my Chase card and they left me hanging out to dry and took the side of the hacker. That's all you need to know about these people. If I say more, I could only use curse words. A horrible, despicable group of cretins who would steal from their mothers to further their agenda.

I wanted to sent money to a friend using QuickPay like I usually do. This day, I did it the exact same way I always did. So far, no issue, my friend always received the money without trouble. But this time, nothing arrived on his bank account. I've been advise that the money is on a Chase bank account even though my friend NEVER opened a Chase bank account. The customer service opened a claim that they immediately closed, saying that it was my fault because the transfer has been initiated from my person. The only thing I don't get is how, by doing the exact same process, the money can end up in different bank accounts?! And, one precision: my friend didn't change his phone number and other people transferred him money since I did and it worked. Results: I lost $100 and Chase doesn't even try to help me recovering the found... A shame!

I set up an autopayment for my Chase Visa card a month or so ago, and when I woke up a few days ago, I received an email saying my credit card was never paid. Chase deleted my automatic payment without my authorization. I ended up with a 25.00 late fee and I ended up paying my credit card payment plus the fee. When I called, I never received an apology for THEIR mistake and instead of sending me a check for 25.00 they deducted it from my Visa account. Meaning... I have to use my Visa card to use it. I am furious and I plan to close my account. Chase bank is a SCAM!!

I have been a customer in excellent standing with the Chase Credit Card Company since and have had a recent dispute over the relatively small amount of $89.00. The dispute has taken a long time to be resolved, causing much aggravation and waste of precious time. I previously contacted customer service to inquire as to what paperwork was needed to resolve the dispute. I mailed in proof of payment and provided all information, as requested. Today I received another phone call from a representative who did not leave a clear message.

I was member of a Chase credit card since 2003, but didn’t use it much because unpleasant experience in the past. The past month I made a large purchase on the credit card, and had to dispute the transaction. On June 1 I faxed a request to open a dispute, and have a proof that the fax went through. On June 6, I contacted customer service, and was informed that they didn’t receive the fax. The same day I sent a message through Chase’s secure messaging with the request to open a case, and received a response: “We received your dispute for a transaction on your credit card account. We're working on it now, and we'll respond to you with a phone call or a letter through standard mail.”

My wallet was stolen. They drained my account. Called customer service and Gave them police report number and everything, based on their opinion. It was not fraud. Which it was. Clearly several different handwriting on a deposit slip. They say the joint holder, withdrew the money. Please someone tell me, if that was the case HOW COME HE WITHDREW OUT WITH MY NAME AND NOT HIS. (Flipping Dumbest ** I've ever heard). I also had someone hacked my joint acct holders card, we called about 4Xs in 6 months. The representative knew what happened and told us. But needed to talk to him, but he was working 7/16s hard for us to talk to them. It was too late, so I never got money back. My income tax completely disappeared and transactions taken out 2 checks ago are coming out this week's check. DO NOT USE CHASE!!! They flipping SUCK **!!! There are more details about this situation(s).

I'm new to the credit world. I apply for a few credit card to start building credit. Got approved for Amex and Chase Freedom. So I decided to apply for another Chase card. My application was under review so they told me to wait. So while waiting I broke my iPhone 6 so went to get a new phone. To get the deal on a new phone I had to get a new line with a new number so that's what I did. After my new phone I call Chase to inform them that I have a new number. They sent me straight to fraud protection which I have no problem with. They said they need more verification so I went to Chase bank (which I have a checking account with) to have my ID fax from a Chase branch itself.

I've had my Chase Credit Card for less than 2 years. Thank heavens this is the first time this has happened. I make my payments their website. The choices of payment due June 8, 2018 was: Balance $1,700.60/minimum $48.00/choose $?. On June 1st I set up my payment of $50.00 to be paid on June 5th. On June 5th I get an email alert from my bank that my account is -$1,363.93 because of my 'pending' $1688.01 payment to Chase. Three phone calls to Chase Customer Service Reps, they all say, they can't fix it, I messed it up, and the bank probably won't accept it. The bank said, "If you change the payment going through you have to pay overdraft fee, better off paying the stop payment fee." I did. How did I make a mistake like this??? My balance $1,700.60, so I didn't hit the 'pay balance', I don't see how the $50. was changed to $1688.01 by mistake. But of course Chase Customer Service claims it was my mistake.

Over the last 9 month my Chase United Airlines Mastercard for which I pay $ 450.00 and which has chip technology, has been compromised 3 times. In addition both cards were canceled by Chase, while I was out of the country for 4 weeks. In a lot of countries American Express is not accepted, so I carry a Visa and a MasterCard from Chase. I had checked with my Bank and was assured that I did not have to register my card for travel overseas. As I found out, because I tried to get cash in local currency from a Mexican Bank, both of my cards were canceled, without Chase informing me why.

I called customer service and asked if I can apply for credit line increase. I was told that it is absolutely possible and I was not explained that requesting a credit line increase results in hard inquiry which badly affects credit score. Unlike Chase credit card, a credit line increase for most of credit card services, does not affect credit score and it doesn’t show up as hard inquiry. I feel bad both about their credit service and unfortunately about their customer service. Never recommend Chase credit to anyone.

I recently made a payment on my account with Chase. I check my bank account frequently so that I know what is going on. I noticed that the payment did not show up on my account. So I called to verify that the payment had been received. They said they had received it and that it would post Monday because it was a weekend. I checked my account and it looked like they took part of my payment but the full amount. I was confused but at least I knew the payment was made because it was on my statement.

I'm trying to build my credit. I have a credit score of over 700. Credit Karma suggested this card to me, so I filled out an application and was approved on 4/26/18. On 5/3/18 I received a letter stating they've decided to close my account. I've had credit on my account for years and I've never missed a payment. Also I make 48000 a year, I also have more than the amount approved for in my bank. My problem is don't approve me and then close the account. They need to check all necessary requirements or whatever it is before approving. I understand they have the right to close any account they want but don't approve me first and then immediately close it. That's extremely unprofessional. I shouldn't have been approved in the first place then. I really don't appreciate this.

I have had two credit cards with Chase for a long time, and I have had a 5 year car loan with Chase. I've carried the card in question over 10 years. I was sent a letter end of 2017 stating my interest rate would rise from the current 10% to > 15%, a 50% increase. The letter was confusing to say the least - I could reject the offer of the higher interest rate and apparently close my account or I am guessing the inverse would be to accept the offer of the lower rate and keep the lower rate??? To this day I do not understand the letter - like do 2 negatives make a positive? I have had this card for it must be 20 years and have never missed a payment, never had a late payment, and the same is true for the other card and the car loan.

Received a solicitation offer from CHASE Bank telling me I was "pre-qualified" to apply for the CHASE Freedom Unlimited Credit Card. I have been a CHASE Banking Member and CHASE Ink Credit Card holder for several years. Went to CHASE Credit Card site. Completed application. During the online data entry portion of the Freedom Unlimited Credit Card Application process, I was asked if I would like to include any "balance transfer" amounts. I replied YES, as I wanted to transfer a moderate balance from the old, previously-paid-off CHASE Ink Credit Card (approximately $1,900 dollars) to the new CHASE Freedom Unlimited Credit Card. Upon completion of the online application, the CHASE / VISA site informed me "Congratulations! Your application has been approved". And I was informed I would be receiving my new CHASE Freedom Unlimited Credit Card shortly by postal mail.

Beware of yet another Chase Scam. Called Chase Slate. They advertise that the terms are 15 months however after you use it they stamp a different date on it of 9 months to hit you with a surprise interest rate.

I got charged an annual fee for $95 on Chase Sapphire Preferred credit card on the second statement. Even the promo states that I would be waived the first year. I called customer service and they stated "I signed up for another promotion". When they send you information via mail for your card, they do not include the pricing and terms and instead give a pamphlet of benefits and rewards therefore, there is no proof that you signed up for that bonus except what is on line under pricing and terms. I called customer service but they claim that the promotion "could change as fast as one day".

I had a Chase Mileage Plus Explorer Credit Card and had been a member for since Dec16. In Jan18, I was charged an annual fee of $94. I requested Chase refund the fee and close the account. They refused to refund the fee so I kept the account open and began to use the card. I have a $25,000 card limit. In Feb18, I charged about $4000 on the card which was paid off via direct debit in full and on time. It was the first time I had ever used the card.

I used a Discover card for years before getting my new Visa Southwest Airlines card through Chase very recently. They gave me a measly new card member bonus in points and statement credit, but shortly after I received an awesome new card member offer in the mail for the same card. I called them to ask if they would honor the better offer, and they said they would put a request in to the marketing department, which was then approved. Six phone calls and 8 months later, I was finally told that they "couldn't find" any phone calls in which I gave them the information they needed, and that it was now past the 90 period so they would not honor it.

Got my Chase Sapphire about 2 years. Things were fine until I had a dispute. I made a hotel reservation through Booking.com for Inn Hotel Hong Kong in May 2017 for a 3 days stay in November 2017. Booking.com advertised 'free cancellation' with big letters on their site. I booked a 4 night at Inn Hotel and inadvertently selected the first item (which was non-refundable) and also selected 4 nights instead of 3 nights. I went back to the site and wanted to changed the date but it was locked. It wouldn't allow me to change so I clicked the cancel button. It was a total nightmare. I got a message saying the penalty was the full amount.

They refused to reduce fraud charges on my 87 mother. They said it was a civil matter. The charges were made in a different city than where she resides. She does not drive or own a car. She doesn’t even own a computer. Worst customer. They are blaming my 87 year old mother when she is the victim!

I signed up for monthly parking at a garage and paid the initial month's fee (March 2018) online using Chase Freedom Card. At the same time I also applied for Commuter Card (a card through employer loaded with pretax dollars for parking) and planned to use it for my second month's parking fee (April 2018). However at the end of March when I was trying to schedule the payment for April online, I accidentally completed the transaction without being able to enter or verify any credit card information. I then realized the charge went on the Chase Freedom Card that I used once on that website before. For some reason it's been automatically stored after I initially used it. I intended to use my Commuter Card not the Chase card to pay for all parking fee so I immediately contacted the parking office to try to get the scheduled payment canceled since I was not able to do that online.

I'd had a Chase credit card for 34 years. The card was owned by different banks through the years from buyouts, etc. Chase owned it for the last 5-10 years or so. I received a letter from Chase telling me if I didn't start using my card they were going to close the account. So I immediately charged about $500 worth of stuff during Christmas holidays. They closed the account anyway. I called to complain and they said it was too late, the account was closed. They said I could open a new account if I wanted to. I said no. My credit score was around 825. After Chase closed my account it dropped to 750. I have a Chase Amazon card that I plan to close the account on soon.

Shady Chase Ultimate Rewards Program is making me re-think about using Chase card and even having this card open. I booked a Car via the Ultimate rewards program using the points. During the booking the "Rules, Policies, Cancellations" mentioned that a cancellation fee equal to one day of rental will be applied if cancelled within 3 days of booking but was not mentioned anywhere that this fees will be charged to the credit card and will not be deducted from the points used for booking the car rental.

I got a Chase Reserve card two years ago having an excellent credit score. Since then, I had no late payments or high spending on this. One month ago I applied for Chase Marriott and Chase British Airways - cards. I already knew those cards as an "authorized user" from my partner account. A computer glitch made my applications sent before time to review and check mark for “authorized user” with these cards. Chase analysts asked and check my credit report with these two cards already under my name -but again they did not mention "authorized user" –level of cards usage. Next Chase took decision not only to deny my applications, but to cancel my other account Chase Reserve card.

I have had a Chase credit card for many years (it was formerly another company that was taken over by Chase; now it’s a Chase Sapphire card). Several years ago, I joined the board of directors for our cooperative, and when registering as an officer of the co-op with Chase Bank (with whom the co-op dealt), I used my credit card as identity. Following that, they linked my credit card reward program to the co-op accounts without asking or notifying me, so that if I was not very careful, I might accidentally redeem my cash back as a deposit to those accounts instead of my own.

After making an accidental payment to Chase, I contacted their customer support to get it refunded. On the 13th of March I mailed in all paperwork that I was told was needed to get the process started. It is now the 17th and I was told it wasn't started because of paperwork that was missing; paperwork that was NEVER asked for to begin with. NOW I had told to submit that paperwork and the process will start. This is totally unacceptable!!! 6 reps later and I am still in the same spot with CHASE FREEDOM BANK.

I had a merchant fail to complete a job. When a mover drove away leaving my stuff (much of it broken) in the driveway, I filed a dispute for a portion of what I paid. The movers extorted money from me by threatening to sell my things, damaged many things, threatened me physically, damaged my driveway and landscaping with their truck, and left my things in my driveway in the rain. I had to pay another set of men to complete the move. After sending multiple letters, pictures, copies of checks, etc. Chase would not stand with a customer. Even though that same customer has had large balances, multiple mortgages and many accounts with them for over 40 years. They screwed me and I will never bank with them again. PayPal has treated me better much better. Worse customer service than Wells Fargo, and that is saying something.

I have 2 Chase credit cards. I have made payments every month on time - EVERY month. I received notice that they have significantly reduced my credit limits on both cards due to the fact that I have other credit accounts. Given the fact that I have never made a late payment on their accounts, my other credit card accounts, mortgage, auto or any other debt obligation I have nor have I spent over the limit either this "policy" pisses me off because they have knowingly significantly increased my debt ration thus reducing my credit score with no regard. This is not a sign of client appreciation, rather a clear picture that we are just a number on paper to them. As a realtor I'm asked about credit and "which credit card should I get". While I never make specific recommendations I will ensure that I share my negative experience with Chase credit cards with them!

I called Chase credit card because I had problems accessing my account online; the system automatically verifies you when you enter the account number and some other info specific to the caller... But when I get customer service on the line, these people will only give their first name. I asked for some further type of ID, either an employee number or last name and CHASE EMPLOYEES ARE SO UNPROFESSIONAL. THEY WON'T GIVE FURTHER ID! When I ask for a supervisor, they say "None is available".

Case customer for about 14 years. Have never had a reason to switch. Make all my purchases on my Chase Freedom Card and pay the full amount monthly with auto pay from my credit union account thus earning cash rewards. Why use a debit card or carry large amounts of cash or hold up the line writing a check for my purchases. Have had some unauthorized charges which when reported were immediately removed and new credit cards issued. I guess 14 years of being satisfied speaks for itself.

I have been using Chase Visa for over 10 years. I've taken advantage of the balance transfer promotions several times. Today I noticed they would charge interest on new purchases unless the All balances (the transfer and new purchases) are paid in full, even though you pay the balance transfer fee (3 - 5%) and the transferred balance does not incur interest a period of time (1 year for this promotion). All payments would only apply to the transfer balance, and not new purchases because they charge interest on new/old purchases unless all balances paid in full. Good thing, I got just under $30 new purchases which they charge $.27 per month. I'll stop using this credit card until the all balances paid off. I'll not use this card this card for anything else.

I currently have two Chase credit cards and they have been a good source of cash rewards. Customer service has always been courteous and efficient and has gone out of their way to assist in any way requested. Received a year without any interest on purchases when first obtaining the credit card itself.

I have had two credit cards with Chase for a long time, and I have my mortgage with Chase. I've carried the card in question since 1993. Received a letter a couple months ago stating my interest rate would rise from the current 10% to > 15%, a 50% increase. I have had this card for nearly 25 years and have never missed a payment, never had a late payment, and my current balance is about 23% of my limit. I contacted the bank after receiving the letter and the agent didn't seem to be aware of the letter when checking my file, and told me to wait and there was no guarantee the rate increase would go through. Well it did, so I contacted them again via phone.

I paid off in full 2 Chase credit cards 5 days before the due date and was charged over $200 dollars interest 3 days after the due date. Scott the supervisor in customer service says it’s because the previous months had a balance. I also paid off a Bank of America and Total Comenity card and they gave me credits. Chase claims it’s a revolving credit and credit accrues as soon as you use it. You’ll never pay it off if that’s the case. I won’t be using it anymore as soon as I use up my 200,000 points.

I was solicited for Chase Freedom Card and determined should have a card not joint. I have near 800 credit core, a 25 year professional career, perfect payment history. And was well within the limit. I had a close friend stranded in Dubai. I notified Chase I would have charges to help friend in foreign country - no problem. I used card to $9,000, well within limit. Without any notification the card was blocked and closed. I contacted the executive area and told I had used the card to fast (called prior) and told balance to close to line. The limit was $13k and owed about $9.5k. My only logic to closure is I was totally disabled by drunk. My entire career was in corporate banking with another major and made no sense. What other real reason could account for closure. Never denied any credit prior, how can this happen and it affected friend stranded. They give you line, but can't use - yeah sure.

On 1/1/2018, I was locked out of my house. It was about 9 pm 20 degrees. I called several locksmith services. This service told me the trip charge was $15 with a minimum of $50. I then received a call from the technician. I was told it would be $99 to open my garage. However, when the technician arrived, I was informed it would be $190 to open my front door. I said then open the garage for $99. I was then informed it would be $250 to open the garage. I stated I would pay the trip charge and call a different locksmith service. The technician informed me he would notify the locksmith services he was registered with to not send someone out so I said, "Go ahead and unlock me" - I asked for a receipt (none was given) because I wanted to note the issue.

I don’t use Chase Card but my husband is using it. He spends too much money on his credit card that I can’t control. I decided to take over the incharge payment all bills in our family, and I used my bank account to pay. I mailed out checks for Walmart & Chase the same date, Walmart has posted transaction on Jan 11 (due date Jan 17) but Chase doesn’t post the transaction today (Jan 19) while I mailed out earlier than normal 7 days. There is no way for Chase not receiving the check under my name. It is like a scam company when I read over and over people rated them. I, myself have not ever paid minimum amount, even some months I used my credit over $2,000. I am going to tell my husband to cancel his Chase card tomorrow.

Never a single late payment or over-credit limit with this card or any other. Today I received a call from Mr. ** with Chase credit. He was very aggressive and rude to me about recent activity on my credit report. He informed me that a "random" review of my credit showed that I was using over 50% of my available credit (I'm a student and use credit cards for school and for my business). He proceeded to demand why I was using that much of my credit and further proceeded to ask me about my job, income, etc. After this, he placed me on hold and come back to tell me they were dropping my credit limit due to my updated credit information (PS: They sent me a new credit card last May without prompt AND, my credit score is actually HIGHER now than it was when I got the card). Avoid Chase at all cost.

I cancelled my 9-year credit card account with Chase today. Over the years, I had very few, if any, missed payments on my account. I paid my outstanding balance in full in November via the website. I did not pay attention to the emails I received after the payment about a balance on my account because I had paid it in full nor did I make any charges to the account. I checked my account today because I feared a scammer got the number and charged something. The charge on the account was for the interest due from when I had paid my account in full.

I paid my monthly balance off in full. On my next statement there was a $10 Interest charge. After checking my account online and noticing this, I was quite surprised. I had $0 Balance that was reflected after paying online. This interest charge was paid 33 days after the due date because I receive paperless statements and had no reason to believe Money was owed. Chase reported this to the Credit Bureau and said that $10 Balance accrued days overdue from the Statement it came from that was paid in full. This interest charge was never known to me or shown on the statement. Yet Chase said I was over 60 Days late.

My wife and I monitor our credit regularly. Chase has not reported the information to the credit bureaus with my wife's payment or balance information since AUGUST 2017. That's 5 months and as a result her credit scores are seriously impacted. There is a zero balance on the account and the credit companies have her utilizing 88% of available credit. She is an authorized user on my account and Chase had to issue me a new account number due to fraud. Now they have been unable or unwilling to correct the reporting of the zero balance. I have spoken with Emily ** the supervisor who has been extremely pleasant but totally useless. Today she advised me that she could not guarantee that this will be resolved. Incredible.

CHASE allowed a hacker to purchase 10K of high end computer equipment on my card... never flagged it... and it's not like anything I've ever purchased. I'm not technical, this stuff is for hackers and gamers. It was shipped to me and I had to sign for it, because hackers aren't smart enough to change the mailing address to them. I opened it and didn't recognize anything in the box as something I'd purchased, so I figured I'd been hacked. Checked my account and sure enough, 10K was charged. Called CHASE immediately and told them what I just received. OK we will reverse charges... Transferred to fraud dept and told them the story. They confirmed charges would be reversed. GREAT. So what do I DO WITH THIS STUFF? I ask. I was told to keep it.

I do NOT recommend Chase Credit Cards, financial product. I used my Chase credit card to pay for auto-mechanic services. After discovering that the mechanic rendered incomplete and subpar services, I filed a dispute with Chase to refund me NOT the entire amount, but only 35% of the total paid. I paid the mechanic for multiple services, of which they completed half. I took the car back to this mechanic, he looked at it and said it was fixed. This wasn’t true. My oil gasket was still leaking, my fuses weren’t replaced, and the back drums still had issues. I had to take my car to another mechanic to get it fixed correctly. I filed a dispute for a refund with Chase. They asked for documentation from my second mechanic who worked on my car. I provided them with documentation. Yet they are still refusing to honor my refund.

I thought Chase Bank would be a good fit for me. Boy was I wrong. I have had problems with them from the beginning. In the last 9 months I have not received my bill at least three times. No biggie right. Except that once you miss your payment date by just one day they turn your card off, charge you $37 and report this to credit agencies which reflects in your credit score.

I’ve had several credit cards in my life and this is the only one that’s caused me so many problems. I had fraud attacks on my account, called to let them know and to completely close the account. I specifically stated I did not want another account opened. Several times. Yet they went ahead and opened another account and I’m still 4 months later receiving billing statements. I cannot believe that they would open an account without my authorization. I am completely furious and no one listens to me when I try to explain so that only angers me more. I would NEVER EVER recommend this company to anyone. In fact I’ve already steered a lot of my business people away thankfully. What a disaster of a company.

Here is my experience with them. Back in Jan of this year I was looking into getting a lower interest rate credit card. So I did some research online and found a Chase Freedom Card. So instead of entering my information online I called into the helpline. I went through all of the information with the representative. I was very thorough because I didn't want to get into something that was not right for me. My biggest thing was that I didn't want any balance transfer fees that most cards said that they had. If I asked him once I asked him 10 times, "There are no balance transfer fee correct," he responded every time, "that there were no balance transfer fees". So I had him process the application. After he processed the application and got my information on the balance transfer he went through all of the terms and conditions of the balance transfer.

I wrote a Cash Advance Chase Check for $500 and deposited in my bank account. Chase denied payment of the check but charged my credit card for the $500. I have been trying for 4 months to get them to correct the error and they refuse to take responsibility for it. I would advise anyone never to use their cash advance checks. I am not sure it is not a scam. I am still trying to get them to take the erroneous charge off my account.

What a Joke they have become. I have been a Chase customer (credit cards, saving, checking, car loan) for over 7 years now. I got mail promoting their new credit card and I applied. They sent me a letter needing verification of my identity, given that I applied with all existing information and I am already in the system. I fax them the documents they requested. 3 weeks and I do not hear back. I call back and they claim they cannot read my driver's license. I sent it again, then they claim my address is not correct. It has been 6 weeks, I have a "hard" hit on my credit score and I am not hearing back from them. This is a joke. I am a customer, they have my info, they know my address and it is becoming overly annoying and unprofessional. I get the double check for security, but when I have been using the same address for YEARS and all my info is the same and has never changed, why the whole "we do not believe your address" crap.

Very upset with Chase!!! I'm very careful to read all the fine print before signing up for a credit card. I have an excel sheet that tracks all of my credit cards and their credit limits, their annual fees, their benefits and the number of points I've earned. I'm not just some schmo who wants his $95 back. I am certain, beyond a shadow of a doubt that I was promised a $0 fee for the first year of their Mileage Plus Explorer card. I'm happy to pay the yearly fee of $95 upon the second year, as I agree to when I signed up.

I purchased a dress through Sears.com the second week in August 2017. The dress did not fit according to the vendor's chart. The paperwork stated I could return the item within 30 days for a full refund. I tried several times before the 30 days to get a return authorization. I was instructed to contact Sears and they would contact the third party vendor for the return authorization. Each time I contacted Sears, all CSR's told me, they had to allow 24 hours for the vendor to respond. After four attempts of the above situation, I called Chase Credit Card Services and disputed the charge. I sent them all documentation of conversations between myself and Sears.

I’ve been a Chase customer for a decade and have consistently paid my balance on time. Without my being aware of it, Chase changed their system of sending me paper statements and instead started sending statements by email, which were going directly to my junk mail where I didn’t see them. When I realized I hadn’t seen a statement in a few months, I checked online and saw that I had a small balance remaining on the account, so I immediately paid it off online. I then called Chase customer service to let them know I hadn’t been receiving the email statements and to request that I receive paper statements to avoid confusion in the future.

I called to cancel my mother's debit card because it was compromised. Instead, Chase cancels my own debit card while hers remained active. Customer service is horrible and has caused more stress for myself and for my elderly mother.

Trying to sign up for a Marriott Rewards credit card. I rate no stars with trying to obtain a credit card. I have been online - thought I was about there when told I had not entered birth date - numbers only. I have also dealt with 3 800 numbers - always asked for card number I can’t seem to obtain.

November 14, 2017: I have an excellent credit rating; my credit scores are however locked. I have three Chase credit cards: Amazon Prime, United Mileage Plus, and SW Rewards. An order on Amazon would not go thru because payment was declined. I called Chase. They said I failed to submit paperwork they sent me on time. I told the rep that I received the paperwork, which asked for a great deal of sensitive information, and decided to take it to Chase bank. The bank rep said he did not recognize it and advised me to ignore it. Did. Kept using credit cards (I pay off all balances on time each month). When I called about the payment denial, was told all accounts closed because I had not submitted paperwork! I filed a complaint with CFPB asking for my annual fees to be refunded to me. I also complained to Amazon, United, and Southwest. File a complaint! It still works.

I applied for 2 different Chase cards. Got immediate approval with high limits on both cards. Have made double payments on both cards since the start. I have a high balance on another card, they isn’t a chase Card. Chase closed both of my accounts due to high balance on Amex. Poor explanations and terrible customer service.

Phony invoices submitted by merchant and they paid him and refuse to credit me for the amount. They want thousands of dollars in bogus invoices because he does a lot of business with them on the Visa. I refuse to pay for services I never received. Customer service reps are all from Nigeria and I have spoken with and faxed the real invoice many times and they cannot speak English or understand.

I haven't had any problems with customer service for the last couple of years until today. I made 2 payments which were returned for no funds in my account. My fault for that, but I made a 3rd payment and received an email the next day stating that my payment posted. Then a few days later I received an email from Chase saying they had not received a payment. So I contacted chase and emailed proof from my bank showing that they took the payment out of my account and that the 3rd payment made was NOT RETURNED.

Applied for the card, used it a couple of times, Put the card away, NEVER received a bill (not online or hard copy). Received nothing, then card filed with credit company for non-payment. Brand new card, was not even aware a bill was due. Ruined my very high credit rating. Then got the worst customer service. Still have not received a bill, in any form. How can anyone pay a bill if you do not know where to send payment or do not know how much payment. Rudest people ever. 2 month card, cost me between 40 & 60 points on my credit rating. Do not get this card. Worst experience.

I paid this card in full and they punished me and charged an RIDICULOUS interest charge and called it dual interest - basically they're ripping people off - CUSTOMER SERVICE SUCKS!!! I called asked for a payoff - confirmed this would pay my account IN FULL – “Oh yes ma'am it will”, 15 days later I get a bill for what they call "dual interest". Tried to talk to a manager, waste of time! Closed my account IMMEDIATELY - NEVER AGAIN!!!

I had a Chase credit card for several years. Apparently, there was a charge of $12 which was unknown to me. Chase did not notify me. Cancelled the card, and stole around $800 worth of mileage. When called Chase rep was extremely rude, offered no assistance.

I work in retail and have noticed that Chase Credit Cards are TOO Thick for the credit card terminals. Now since all cards are now forced with EMV chips. Inserting these thick cards into the credit card terminals are spreading the contacts farther apart from another, causing chip malfunctions to occur with thinner cards. I thought there was a standard thickness that everyone had to follow. I guess not. I would never recommend Chase Credit Cards until they fix the thickness of the credit card. This reminds me back to the days of the original Nintendo and Super Nintendo System.