Chase Credit Cards Reviews

In march 2010, my unemployment ext ran out (I'm a 99er). I contacted Chase to see if they had a program to help me. I was told no. Then I received letters about program that they have to help and a business card from A.Gordon Dennis payment assistance sup. When I called the no for help, it was in India and they had no clue about the programs. They act like a collector. On June 23, 2010 @ 6:50 p.m., I received a phone call from Chase. I explained my situation and he laughed because he thought that it was funny that I did not have a job. I'm paying Chase the best that I can with no income. They called my home over and over but they cannot tell me about the program that they have sent me information about to help consumers. Something needs to be done about this company. They will send you letter about helping but when you called you never speak to an American only someone from India or the Philippines that laugh.

I have had a Chase credit card for over 2 years. During that time, they have raised my credit limit twice. It had a final limit of 2800.00. Without notice (they claim they sent a letter), Chase reduced my credit limit to 500.00! I paid the card off on July 12th, and they "reviewed" my account and dropped the limit. I made absolutely every payment on time and this is the thanks I get! I will never have another Chase account! Took my open limit from 2800.00 to 500.00. Impacted my credit score. I find that Chase business practices are bad!

Chase Credit Card sent a new card to replace the one I've had for years. This is something called a Freedom Card which I did not request. I was told my old card is not a product they support anymore. It’s more like they want to find a way around all the government restrictions by forcing me to take a new card with new onerous terms. I have never been late. I have a balance with 7.99% which obviously is too low for Chase. I received no documentation of the change in terms from the old to the Freedom so that I could compare.

Received a Chase credit card bill that included a $1.50 minimum interest charge. I normally pay the chase bill in full but used it once for credit and then paid it in full after the second billing including all interest charges. Chase charges a minimum $1.50 interest. A charge that you can never get rid of! They charge interest for the 10 day wait period before they receive your payment. Since there is a $1.50 minimum interest charge, mathematically you can never get rid of the $1.50 monthly minimum charge ($18.00 per year). I raised hell with Chase about this and they took the $1.50 off the bill. Another solution, when you are paying off the full amount after accruing an interest charge add $1.50 to your payment. This amount will be shown as a credit at the time of the next billing and eliminate the $1.50 monthly charge.

I had a credit limit of $5,000. The interest rate was jacked up to almost 30% (29.99%) which made it hard to pay the interest down, less alone, the payment. I made a large payment to Chase of $3500, so that $1500 is left over. Then I traveled out to Reno for a seminar with my family; 4-month old, 6 years old and my fiancee. When I went to pay for the hotel, my card was declined. I called Chase to find out why and their system is down. So I used the internet at the hotel to find out what was going on. To my surprise, they lowered my credit limit. To where I only had $300 left to use after paying down the $3,500. When I called to get it resolved, the manager told me he hates to be the bad guy but he can't help me and that he was sorry that my family was in a different state without shelter or food, but he can't help.

I paid my balance in full before the due date, $1413.68 and closed my account. Now they send me a bill for $18.44 in interest. I have paid off credit cards before and have never been charged if the balance was paid. They are the worst credit card ever. I am going to complain to the NYC District Attorney's Office. They are a bunch of crooks.

On a timely monthly basis, I have been making payments ($58 or $60) to Chase. Yes, my account was maxed out, but still, all my payments were made on time. With a 31.48% APR, I was unable to reduce my account balance. The ending balance amounted to $2,565.63, to which, I sent in a check on July 19th for $2,565.63, early enough to avoid late payment. On July 30th, I called the company after giving them enough time to post my payment to my account, and to close out my account.

My interest went up because I missed a payment by five days. Yes, this was my fault but I think a bit drastic on Chase's part. I tried to call and speak with a service representative on what I could do to get my account paid off ASAP and also reducing the interest rate. Every time I call, I am transferred to India and I speak with someone with no authority and also who is of no help at all. 10 months have gone by and I finally decided to complain on Chase's website after speaking with customer service representatives overseas and getting nowhere.

Chase has elected to raise my APR to 28.95% without warning or reason. It's totally ridiculous. I pay to my card every month. There is no reason for this other than their own greed. I was originally a Washington Mutual customer before it was purchased by Chase. My card had a 9.9% APR. This is ridiculous. Chase is nothing more than a legal Mafia group.

I have not been a customer of Chase for several years now. But I am receiving Phone calls for someone completely different on my home number for about 2 years now. Mind you, I have had this same phone number for over 3 years. I keep asking them to stop calling my house looking for a person that does not live here. My answering machine also lists who resides in my house and that person's name is not listed. Since they use computers to call, they don't hear the full message on the answering machine. I find that after 2 years, they would have gotten this fixed by now but haven't. How many more complaints will it take to get this problem resolved?

I, too, can relate to the other complainants about Chase Card. They raised my interest to 29.99% and I cannot get anyone to lower it. I'm 70 years old, my balance is $4400 approximately and my balance will be paid off in 2035 if I continue to make minimum payments ($143). Good luck Chase. If I'm alive by then, I'll be glad to pay it off. My husband is disabled, I am the breadwinner so to speak. I'm 70 and still working. Where is the Federal Government when it comes to banks, insurance companies, etc.? They are ruining many lives, as I'm sure if I don't pay them my credit will be severely damaged. You know, I might even say "so what" and not continue to be raped by Chase.

With banks not lending money and no equity in my home to do a refinance, I am stuck paying Chase 29.99%. When life and finances is hard enough in this economy.

A payment was sent in error to Chase Credit from my Bank of America Credit. I accidentally paid them through my Bill Pay. The account it was sent for at Chase was closed. I tried contacting Chase the day after the money was settled from my bank to them and they said they could not see the money yet and told me to call back in 2 to 3 days. In the meantime, my mother, who has the same address as me, receives a letter saying they could not find an account number under the information sent through Bill Pay so they applied it to another account she has with them. The account they were referring to in the letter was my account, which of course they could not find because it was closed.

After months of trying to get Chase Bank to lower my interest rate on the credit cards they took over from Washington Mutual, and getting a no answer each time I called, I have paid off the cards, and want nothing more to do with Chase Bank. Last week, to my utter amazement, I got a phone call at my place of employment from Lana at Chase Bank. Lana wants to know, since Chase Bank and I have such a good relationship, if I would like to open a Chase checking account.

These 2 credit card companies on almost the same day arbitrarily lowered my credit card limits to the balance I owed them, which in all cases I had reduced by 30% since the start of the financial crises when every bank seemed to be doing so. I have never been late on any payments in my life (I am 65) and nothing has changed in my financial picture other than obtaining a reverse mortgage so that I could pay off my cards even faster. Two of them are business credit cards and not having this credit available is extremely troubling in these uncertain times.

Chase is offering a program to receive 5% cash back on certain purchases at different times of the year. For April 2010-June 2010, you could have received 5% cash back on home improvements, lawn and garden, home furnishings, and drugstore purchases. I called and enrolled in this program and proceeded to purchase two beds, a dresser, and a nightstand.

I had Washington Mutual and Chase Bank took over so as of Jan 2010, they raised my interest rate to so high I can't get it paid off on my credit card. I am trying to pay this card off but it is hard. I do not remember getting anything saying they would. Well, I have never missed a payment and I am doing my banking on line and I guess I forgot one payment. One payment. They called me 2 days after it was due. I did not believe them so I wanted to check my bank account because I was sure I paid it. I could not find it but could not find my statement. I told them on the phone I forgot it but would check and would pay as soon as I could but it said it was due 8/23.

This month, I received a letter from Chase canceling my credit card. My credit record is in the highest category of credit ratings. In my 24 years of credit history, I have never missed a payment, and I never had a late payment on any credit card or loan. I have had this credit card for years (my United Mileage card). This year, I have been making payments significantly above the minimum payment on all my credit cards and have been bringing my balances down. I had 2 years left on the card before being issued a new one.

I just got the new Chase Slate Credit card with a small $4500 credit limit that offered a 0% balance transfer. So I transferred a balance. They told me I could transfer other balances as well. I used it for groceries, travel expenses, cash advances and bill payment. They reduced my credit to $2000 without notification, saying that my debt ratio did not warrant the $4500 originally issued. My debt ratio is almost zero now, however, at the time my debt ratio was the same debt ratio they claim when they originally issued me the card. They did not tell me they were reducing my credit limit.

WaMu/Chase card have never been late on this account, since I have had for 4 years. Somehow, I missed a payment and noticed it on my bill. They charged a late fee of $39.00. I called and talk to a so-called supervisor who refused to help at all and said that it's not in their policy to help with late payments. With every other bank or card, when you are late, they will help with the late fees, except Chase.

The rate increased from 13 to 22 began in January. I had no late payments, no over limit; I called in April when I realized available wasn't improving. They indicated that I was advised in October and it was too late to close the account at the old rate but if I paid $300 per month for 6 months they'd give me $200. I called again as I could find no record of this notice in any of the mailings shown online (I do all my correspondence and billing with them online) and was told that they had mailed a letter in October. There was no notice on any bills before the increase took effect.

Do not do business with Chase credit card services! I had two active chase credit card accounts, one product formerly owned by Wamu (loved them) and one that was always a Chase credit card. Although I experienced a similar issue as many with Chase, changing the APR via a letter in the mail with the only option to secure the existing fixed APR was to close the account - that's not what I'm writing about today. My problem today is that I received an email offer from Chase called "Chase Pay and Get", an offer branded to be a debt reduction offer from Chase. However, they would only extend the offer to my (former Wamu) low fixed APR account and not to my Chase high fixed APR account.

I had had a credit card with WAMU/Chase for several years. Throughout the whole time, I had made my payments and never was one of those "bad customers". Late last year my fiancee lost his job, and my hours were cut in half. I was stressed, and overlooked making a payment early like I usually did. Instead I made it on-line the day it was due but 2 hours late (it was due 4 pm Eastern time and I made it at 4 pm Pacific). They then decided to raise my interest from hardly anything to 33% I knew that I would not be able to make the full minimum payments, so I contacted their customer service. I informed them that I was currently unable to pay the full amount and asked if they could help. When they refused, I decided that the least I could do was pay a partial payment.

My credit score was over 740 three months ago. Since then Chase has dropped my available credit in half causing me to be considered high risk even though I have never been late , missed a payment or had any derogatory remarks. I've recently found out my credit score is 659 due to this practice and unable to refinance a home/car or get good rates on a new loan.

I had a credit card with WAMU for four years before Chase took over. My husband was unemployed for over a year and 2 of my other credit cards at two other banks were run up close to their limit. However, my Chase card and one from another bank never had more than 40% of the credit limit charged on them. My Chase card had a limit of $10,300. As of last month my balance was $3,492.00. This week I got a letter informing me that my credit limit was lowered to $4,200.00.

On July 6, 2010, I paid off the balance shown on Chase website for my credit card. The total balance paid is $1830.69. Today I received a bill from Chase for a purchase interest charge posted on July 20th (after payment was issued) for $22.97. They are stating the interest is posted on the 20th of each month. So, if I believe this charge from the 20th of June to the 6 of July, when I paid this credit card in full, there are 16 days and they charge $1.43 per day.

I am just furious at the amount of service charges and interest that credit card companies can get away with charging. We are a family owned truck stop towing company and have been in business for 60 years. I was off work during the week of July 4th and overlooked the due date of July 10, 2010 on credit card ending with **. When I returned to work on Monday the 12th, I noticed that I was 2 days late paying.

I was checking my balance with this company to see how many payments I need to make before I had 0 balance. When I went online, there was an asterisk saying that this account is closed. I called the company and they had told me that they felt in the best interest of their company that they would close the account and not renew me. I have been making payments on time and double what my minimum payment was and they had told me that since I am closed, they will continue to charge me interest until the balance is paid. I still owe $800.00 and would like to know what I can do to either lower my interest or stop the interest altogether so I may pay this off.

I have very good credit score in the mid 700's. Chase is charging me 29.99 percent on my credit card. Called and spoke with Alma **, recorded the entire conversation. She stated she did not know why the rates are so high but they have gone up for everyone.

After reading about the experiences from previous individuals I was ready for a less than positive experience. My assumption was wrong. Tanya was pleasant, knowledgeable, and very helpful. The end result was a win-win; I'm a satisfied customer and a positive story about Chase was shared. I hope this gets some press too!

Two years ago, I began using a Chase credit card with a guaranteed rate of 8.9% on unpaid balance each month. 7 months ago, after I ran my card up to $15,000, Chase raised my interest rate up to 19.9%. They tell me each month the minimum amount I have to pay, which I do. However, the monthly interest is almost as much as my monthly payment. At this ridiculous interest rate they are now charging me, I will be indebted to Chase forever. Isn't what they did to me illegal? Please help me!

I received a letter on July 11, 2010 stating that Chase was not renewing my credit card. They stated they based this on my credit report, though when I pulled my report, the last date they checked anything on it was 11/19/09. It just so happens this card that they are not renewing was a WaMu card. I never paid late, had over $350 available, and always paid more than the minimum payment. It seems I'm now another WaMu card victim.

The address provided was provided by the representative I spoke with and was provided very quickly so I apologize if any of the information is incorrect. I had just recently noticed that the interest rates on my cards (I have 3 with chase) have increased and in some cases almost tripled with no notification. I was told by the first representative that I spoke to that they looked at my account and figured the best interest rate for me (as if somehow they were doing me a favor by increasing my interest rate).

I have been trying to cancel my credit card for some time and all I get is a phone tree. I have had this credit card for years, paid a balance off of $12,000 and they are now charging me $29.00 per month fee. How do I cancel this? I have paid this, on time, but not happy.

I had a Chase personal credit card for many years and always paid my bill on time. Last August (2009), they raised my interest rate to some absurd amount, so I paid the entire balance on August 27, 2009 and cut up the card. Yesterday (July 19, 2010), I received a letter from Chase stating they were closing my account because there have been too many credit inquiries and some other lame excuse. I feel this will unjustly put a ding on my almost perfect credit score and I'd like this retracted. Unfortunately there is no way to get in touch with them and they keep disconnecting my phone calls to them. These banks have to stop these fraudulent practices.

I have had my card for a couple of years. I had a $2000 credit limit. I had credit protection on my Chase visa along with all my other credit cards. I have four major cards total and none were maxed out. I owed $1100 on my Chase. When I was laid off work in February 2009, my credit protection kicked in. Two months later, I received a letter stating they'd lowered my limit to $1200 due to a random credit check that they do on their customers. I had excellent credit in the mid to high 700's prior to my layoff and had to use a couple of cards to live by until EDD would kick in (three months after my layoff).

I just called Chase to see if I could get my APR lowered. I was told in no uncertain terms that the 22.24% is the lowest that can be done with this account. I made the comment, not in an angry voice, that I am glad that I have closed this account because this company used to be good. Last year, in 2009, I was laid off twice, and yet I still made my payments. I knew better than to call them to let them know. It would have been a lot worse. I was told by the CSR that they look at a variety of different things. I just recently got 2 copies of my credit report and both of them show that I am in good standing.

Mr. ** was okay to deal with, but couldn't really help me. I have been receiving credit card solicitations for over 9 months and have tried on 3 occasions to get them stopped. Each time I am told it would take about 90 days for them to stop. Is there any agency I can contact to "report" them and to get them to finally get me off the mailing list?

I pay my bills on time, and regularly to Chase Credit Card Co. I paid off my debt and then received a statement with a $1.50 balance. I then called and asked why, and was told it was because I had no balance, and they charge for that. I told them that I didn't want to pay for doing the right thing, and they said okay we'll take off the charge this time. Is what they are doing legal? I would like to continue using my card, and if I don't, they may cut me off, and then it would affect my credit rating. What can be done? I am just trying to avoid a future problem for me and anyone else who may be affected.

I had 3 Chase cards, 1 that was WAMU that was taken over by Chase. In March of 2008, I had made a double payment to WAMU and I tried to get the check back for $6,800 that was scheduled for April of 2008. I begged and pleaded to let them know that I had made a mistake and I needed that back. Lo and behold, they cashed it and threw me into economic turmoil that still hasn't been resolved. I owed $49,000 to all my other creditors because I had to close my bank account to pay them back and live off my other credit cards to survive.

I was sent a notice by mail on May 27th that my credit limit would go from $6800.00 to $3000.00 due to credit report reasons. The problem is, my balance was around $3400.00! This gave them reason to hike my interest rate from 5.65% to 27.4%. I had made one late payment due to human error but otherwise was a good customer for years. On the phone, they told me that the interest hike was due to the late payment but that it was not reported.

I have had 2 Chase credit cards for close to 10 years. Chase continued to raise the limits based on good history. Last summer, they attempted to lower the limit dramatically. So in effect, it made it appear that I was using up all available credit, which ranks poorly on credit scores. I argued and was able to save some of the available limit. My balances with Chase and other creditors was high in total than it is today. I have never been late on any payments to anyone and secured a $500K mortgage for my home with the best rate in the market due to good credit.

Back in 2007, I was having trouble making credit card payment as many were. I was speaking with someone who would call me at home at night and let me know what the absolute minimum was that I would need to make each month, once it was as low as $17.00.

My overdraft line of credit, which I had since college and has been in good standing for about 15 years, has been closed after I made a payment in full. Keep in mind that they did not give me any notice that the account would be closed, so if I had over drafted, I would be paying some ridiculous fee. I am also aware that my dad gets better treatment when I know he pays his payments late frequently. He was just given a new credit card when my credit accounts are being slashed. This is because they know he is more likely to make a late payment and get charged high fee.

I had a very negative situation with Chase and WAMU. Had a $147,000 credit line tied to my house. It was suddenly reduced to $28,000 and I withdrew $26,000 and paid it back within three months or so and then borrowed $25,000. and paid that back within four months or so never ever late. Refinanced my home, had to pay everything off and it was about $3000 then and they closed the account. I reapplied with Chase to open it again and was denied. I have a very high credit score, never late and have income and savings to offset any loss they thought they might incur. It just irritated the hell out of me that they won't even reopen any home equity lines for me. They suck.

I had a total of $8000 in four Chase credit cards. I cashed out a CD to pay for a friend's surgery. I paid $4000 towards that $8000 debt and was only going to need $1500 of it for the procedure. Instead, less than one week after I made the payment, they closed one of the card accounts. When I called to complain about that one, they closed all the others citing first credit report and late payments; when in the years I've been with them, 99% of my so-called late payments were 1-2 past the due date. I was never 30 days late. I am not aware of any derogatory statements on my credit in the last 5 years. As a result of this, my friend's needed, not elective, surgery will have to be either postponed or canceled entirely unless I can figure out a way to get the money.

I am a chase credit holder for a long time. I haven/t used this card, so activities now are just the payment which I always pay on the 2nd of the month way ahead of the due date and pay more than the minimum amount. I just noticed that the finance charge does not change. On July statement the finance charge was $30.07, June statement $30.09 and May statement was $31.08. Is there anybody who can help or assist me on this issue. I'm retired and money is really tight. Thank you for any assistance or any business bureau can look into this.

Chase notified me that even though I have never missed a payment, or late for one (Always on time and I carry a balance but always pay above minimum.) that they were canceling a credit card of mine. That has rewards points. Not based on any negative information and they took all of my points that I supposedly "earned.” This is an insult to my credit and extremely disturbing, I fancy myself on being responsible and always paying my debts this is absolutely upsetting!

They are doing it again. Last year they closed a bunch of Wamu accounts for bogus reasons, citing information they got from Experian. Lo and behold, they didn't pull a report until 7 days after their claim.

Chase Bank/Credit Card Servicing is the worst company ever. They will cancel your cards with perfect credit, no lates just because they want to. They will tell you it's because they pulled your credit as an excuse. Be forewarned that they are dirty and have shame. I hope the bank goes under and they get sued for their shady practices and poor customer service. It can't get any worse than Chase.

I purchased travel accommodations on my Chase/United Miles credit card on 4/20/10 for $1030.60. I waited until the charges were posted to my account, then I checked online to be sure. I made a payment to my credit card on 4/25/10 for 1030.60. Knowing that the minimum payment would be applied to my balance first, of which I had a payment on 4/16 to cover this, I thought that his payment of 1030.60 would be credited toward this balance.

Same as other posters, just received notice that Chase was cutting my credit limit based on "information" from my Experian credit report. Well, I just got my Experian credit report, and there is "no negative information." On the report, Chase even says I pay on time. So they cut my limit, which raises my debt to limit ratio, lowers my rating and I can't wait until they tell me their raising my interest rate because of what they did, not me. All because I have done nothing more than pay my debt to them. How on earth can they get away with this?

Chase lowered my credit card limit from one card 20K to 8K and an other one from 16K to 2K without notice. My balance in the first one was $2450 and the second one $ Zero. Six months later after I paid off the $2450 + interest, my both accounts was closed. My score was 776. One year later I checked my credit report and my score, I found an inaccuracy account with Chase was Charged Off, I called immediately the Chase, the agent told you have to file a dispute through to the credit reporting company.

Today, I was thinking of using my Chase reward points and was declined. When I called Chase Card services, they told me my Chase card was cancelled because of a report they pulled from Experian. My ex-husband had his truck repossessed; I have not had any late payments, all payments were in full for the total amount. I have divorce papers showing he was responsible for that truck and it was specifically listed. Chase closed my accounts without notice. To top it all off, all my reward points from these cards are now lost and they never sent me any notice on any problem, before it was killed. When I faxed the divorce papers in explanation, I was treated like a criminal. I will vote against any politician who saves another big bank, especially JP Morgan/Chase.

Today, I started getting notices from reoccurring charges have been declined. When I called chase card services they told me all 5 of my chase cards where cancelled because of a report they pulled from experian. I have not any late payments, all payments are way over the minimum and I never had a problem before. Chase bought out the banks that I received the cards from and now they closed all my accounts without notice.To top everyone all, my reward points from these cards are now lost and they never sent me any notice on any of these cards being killed.

I tried to use my Chase credit card today, and it was declined. When I called in, they told me all 5 of my chase cards where cancelled because of a report they pulled from Experian. I have never been late. I owe them less than $5,000, and my credit is good. They forfeited all my reward points associated with one of the accounts, and I never got notice of this. When I went online to see the accounts, there was no notice of this either. I still had credit lines open. This is very frustrating, and I do not see how people who are paying their bills, have good credit, and never been late, are being thrown to the dogs based on the decision of a computer. Chase is an awful bank to work wit,h and really do not care about their customers.

United Air charged my credit card without my authorization. I tried to get Chase to remove the charge. The fraud department said they would reverse the charge, close my account and send a new card. I received the card, called to activate the card, found that the charge had not been reversed. I spoke to several people and asked for a supervisor. She told me the charge was valid because that was the way United Air did things, I had used the card to book a round trip flight and was unable to make the return flight. United Air gave parameters to meet honoring the return leg. When returning, they said that the parameters did not need to be met, everything had been taken care of.

I have been a customer of Chase for a long time. I have always had my 3 charge accounts on auto payments so that I don’t miss a payment or be charged their fees. I recently switched banks and using the other banks check. I had made sure to change the auto payment bank info on my account; however, the bank check did not clear until the following day and bounced. As soon as I saw that the next day I paid it again to make sure there were no issues, as the funds had cleared. Well 1 month later I tried to use my card for a small purchase and it was declined.

I have a credit card account which was closed over a year ago because Chase advised us that there would be an increase on my interest rate. I was able to close it and still pay off the balance monthly at the original rate. I am being charged not only the interest rate, but also an annual membership fee of $98 for a card that I cannot legally use. I assume the interest rate paid is for the use of the credit card's money. What is the annual membership for? It only appears to be a way for Chase to increase my interest rate under another name.

In June 2010, I accidentally made a double payment on my Visa. Since I pay it off every month, Visa then had funds that technically belonged to me. My experience in trying to recover these funds has been overwhelming but I just refused to give up. I found most people within the company, do not know the processes so you get a different answer from almost everyone you speak to plus, they try to pass you off to someone else and then you go in la la la and and can never speak to the same person twice - they are masters at it.

This is regarding the changing of the due date by Chase Credit Card Services. My credit card payment was due the 28th of every month. So every 25 or 26th I logged online and make a payment. No issues. There was a last payment made before the 29th to close the account. To my surprise, the next month statement still had balance in it in addition to a ridiculous late fee. They changed the payment due date from the 29th to 21st without any prior notification. The only notification was on the statement of the last month when the final balance was paid.

I received a letter in the mail from Chase informing me that my credit card had been closed due to information obtained from Experian. They based the closing of my card on three factors from an Experian report 1. total available credit too low 2. Average length of time since accounts opening too short 3. Bankcard balance grew too fast compared to credit limit and time on file.

I had been a Chase credit card user for over 3 years, and I have not missed any payments. Last month, my payment reached Chase late by 1 day, and they charged me $44 for it. I requested their CSR to reverse the fees, since this is the first time that it ever happened. But the CSR was so rigid and refused to consider. I feel the charge is outrageous, when they cannot concede even a 1-day delay in payments despite maintaining clean records for 3 years.

A balance of $90.02 was due on 5/28 and the payment was posted on 5/29 (one day late). I was charged a $39.00 late fee which they agreed to remove "as a courtesy". On 6/3, I was charged $11.22 "purchase interest charge". When I called to contest the charge, they claimed it was justified because of a "30 day billing cycle". My next bill was for $1,457.97 and was paid in full several days early, yet I was billed another $10.89 "purchase interest charge" on 7/2/10.

On June 28, 2010, I wrote a convenience check drawn on my chase credit card account in the amount of $1063.51, a sum that was less than my available credit at the time. I deposited the check in my checking account. On July 1, I found a fee on my checking account for returned deposit ($10) and confirmed that Chase had returned my convenience check unpaid. I called Chase Customer Service and the CSR informed me that my credit line had been reduced. So that's why the returned check: lack of available credit.

I just received a notification that Chase will be closing out my credit card account due to information obtained from Experian, listing one of these 3 reasons: high balance on account(s) compared to credit limit, credit report shows to many active bankcard accounts, and total of credit. I have had all the same accounts that I had when I got the Chase card at the time. I aslo have a $0.00 balance on my Chase card. I also checked my Experian credit report and found that Chase did not even make an inquiry to Experian. This is going to damage my credit rating and lower my credit score even though I did absolutely nothing wrong.

Check your statements. Recently, I have been attempting to pay down the principal on a Chase letter of credit (LOC). I mailed two separate checks with the statement one for the monthly fee and the other for principal balance. For the last six months, Chase would accept the minimum payment due check as is per our written contract. Even though the second check was made payable to "Chase principal reduction," the home office would credit the next month minimum due rather than full principal.

I agree with every person's complaint here that Chase bank is the "scum of the earth". They think they are cool and business like with their tactics and just cutting off credit cards, lowering credit limits and charging bogus finance charges. I hope they go under and burn with their manipulative tactics. For years, I've had been 800+ FICO, never late and always paid more than min. But, recently, I decided to pay off one and just leave it. Then the business card I've had for maybe 13 years left about $300.00 balance to be paid off with a credit limit of 17K. But, then they lowered it to 10K and now they have closed the account with no real explanation.

i have a Chase credit card account. I have noticed that I am being charged a balance transfer fee every month to the tune of $150.00 each time. I have not transferred any balances or credit cards on this card. I have emailed them to ask what it is for, and to this date, I keep getting charged but no answer or refunds are in sight. Is this another way for Chase to mess with their customers? I am also being charged an interest charge, which I understand, but the balance transfer charges leave me stymied! I cannot find an explanation on their website either. Is this legal?

I have excellent Tier 1 credit with a FICO score of around 750. Two weeks ago, I leased another Lexus, when I turned in my old Lexus, just on my signature. Yesterday I received four individual letters from Chase Bank essentially lowering my credit lines on the four accounts I have with Chase, none of which were initially Chase accounts, but handed over from Washington Mutual and Best Buy, etc. For example, my Best Buy credit limit (I owe $500) was reduced from $6,000 to $900.

I'd been with Washington Mutual since before their takeover of Great Western Savings and never had any reason to do business with anyone else since, unti now. When Chase took over, the first thing they did was cancel my credit card. I accepted the excuse they gave me, but since then, they have continued to charge me interest on this card that was canceled over a year ago.

I wrote a check ($5000) supplied by Chase/Speedway credit card to my daughter for education expenses with the understanding that the interest rate would be 2.99% until Aug 2011 if the check was posted before the beginning of May 2010. My daughter deposited the check in her Wachovia account on April 7, 2010. When the check showed up on my statement from Chase/Speedway, they were charging me the standard rate of 18.24%.

Without consent, Chase Card Services raised my interest rate. They sent a letter stating that if I did not call, my interest rate would increase. This is unacceptable. I should have been notified on my account or called with this information. When I called to get help, they explained to me that I had not missed any payments so they were unable to help me. When I asked about a hardship plan, I was informed that I would not ever qualify for the program. After bail out, money was given to credit card companies. How can they take advantage of people trying to do the right thing and pay their bills.

On a credit card, originally WAMU, the interest rate was raised five fold. When I called to find out what happened, a very rude representative said that I had become a major risk. Even though payments had all been timely and I had not applied for, nor asked for additional credit. It created additional burden on my small business, deferred needed equipment replacement and cut back on staff hours to conserve cash. This helped to increase the recession in my world.

I am writing regarding because of a letter I received dated May 24, 2010, in notified me that my Buy.com credit card account was going to be closed. My initial concern was whether I could have additional time to accumulate points so that I could go ahead and redeem my points, as I was only two points away from a $25 Buy.com reward.

One year ago, as with many other customers, Chase increased the minimum payment to 5% of the balance on my account, which had a low for life of the balance rate they wanted to get off their books. I've made those higher payments for almost a year, my balance was going down rapidly. My utilization on this card was now only 30%, so it had a good effect on my credit score. So what does this ugly corporation do now? One year after pulling the payment stunt, Chase has now decreased my credit limit just to make sure I still hate them. I do. Obviously, this is another lowlife tactic to get people to pay off balances faster. Chase hopes this will cause me to pay off the low rate balance faster. I want to assure them it will not. I intend to keep making the minimum payment until it is paid off that way because I know how annoying it is to Chase for them to keep their agreements on these BTs and they would prefer me to pay it down faster. So I never will.

I mailed in my credit card payment in full in time as I have previous 4 years and over the course of 25 years I have had a credit card. I have never been late for a payment with any lender. I receive the amount due and the payment is in the mail that same day. Unfortunately, Chase Card Services sent me an email, one day after the payment date due (payment was a mere $7.06) and I immediately called Chase to rectify it. I make an automated purchase directly to my account from Checking account that same day to avoid, what I believed, was going to be a fee.

I have been with this credit card company for several years. My interest rate is now 27% and I pay it on time monthly for more than minimum payment. I called to get a lower rate and told not available. I was given no options to resolve. I just refinanced my house on my good credit score of 680 without issue. I cannot pay off the amount without reducing this extraordinarily high interest rate.

I wish to add my voice to the many thousands of people (on this and other sites) who are dissatisfied with the customer service and unreasonable fees charged by Chase. As a 25-year Visa customer with a high credit limit and an excellent credit score (over 800) who pays in full on time, I was distressed to be charged a $14.95 fee to call in a BP Visa payment on the day it was due on June 3, 2010. Due to the long Memorial Day weekend (and bank closings), my wife had failed to correctly pay the bill online as she usually does. The curt Chase representative in India, Jabesh, who needs to work on his American English, had no sympathy with my quarter century support of Chase or the many thousands of dollars they have made from my business.

I received a bill from Chase bank regarding repayment on a private student loan for $97 due on June 14th. Unfortunately I missed that date and wasn't able to pay till the 21st of June. When I contacted them, they added $100 onto the bill because my guess was I was late but it was only a week late and I believe no loan company charges $100 late fee. I have already paid them to stop the calls. What can be done about this matter?

Chase Credit Cards raised my interest rate without my knowledge. I called them when I realized the change. They agreed that they would reduce the rate to what it was before. Then, 30 days went by and they said sorry. They refused, so I canceled the card. Additionally on my interest deposit accounts, they again make changes to the account without my consent or knowledge and start charging $25.00 each month, because the account doesn’t have $75000 balance.

I noticed that I had a late fee on my credit card. I hadn't used the card for several months and had an automatic payment set up with my bank. I called and spoke to one of their representatives. He was condescending and very rude. He told me that my interest rate had gone from 12.4% to 19.24% and I wasn't making the proper payment amount. I closed my account on the spot.

Well, Chase first raised my interest rate, which I accepted because I still had lots of credit left on my four cards to use in an emergency. Then, right before 2/22/10 (the day the Credit Reform Act went into place), Chase cut all my credit to what my balance was. If I knew they were going to do that, I wouldn't have accepted their rate increase and closed my accounts. Any way to screw the consumer. My credit score dropped 100 points because of their actions, through no fault of my own.

Chase found a new way to collect late fees and interest charges--they simply don't send you the bill and then charge the penalty. Really dirty rotten tactic. They got me once but I just cancelled my account rather than deal with their new tactics.

I was levied yesterday by Chase Bank on a credit card account. I had no advance warning, never served any notice and they proceeded to zero all of my business, personal, and joint children’s' accounts. I believe the 16K is half interest when my payments became late and interest was increased to 30%. I have never been able to speak with a representative that did not threaten my lively hood. I am married with three children and self employed with little work. I believe these are illegal practice by Chase Bank. I have filed the Motion to Vacate on the basis of failure to notify. We are surviving, like most Americans, and have no cushion to fall on. This bank has ruined my business and has forced my family to extreme hardship.

We opened a credit card with Chase in 2005, in my husband's name. When the credit card was opened, he had no credit, had never had a credit card at all, etc. The limit was $500. Since opening that card with Chase, we've never been late on a payment, missed a payment or paid less than double the minimum payment at least! We even bought a house in October 2009 and he has an over 700 credit score. In March 2010, we received a letter from Chase saying our credit card was up for renewal and they were cancelling our card. We had even turned down the option of having our credit limit increased every 6 months, because if we don't have cash for something, we usually don't buy it.

I just finished a call with Chase's Credit Card Services and they didn't answer my questions about my payment made in a Chase branch yesterday. It is still "in process". Well, the bank that I wrote my personal check from, has already cleared my check, and the funds are out of my checking account. Seems that Chase feels they can apply this payment within the next 1 to 2 days, that was the answer from the Credit Card Services people. Their practices are very annoying. The statement says the payment is applied on that business day if it's made by 5 pm "local time". According to the phone rep, it's 5 pm Eastern Time. Why don't they put that on the back of the statement instead of "local time"?

We used two credit cards on a recent trip to France. Chase charged us a hefty fee for the exchange and Capitol One did not. Travelers need to be aware. I called Chase and they said it was an industry norm to charge these fees. I had called them prior the trip and they had not advised me they would charge such fees. Amounted to probably $70 worth of fees.

I had a United card through Chase for over 10 years. My credit score is right around 800. I had paid off the balance in April (about $400) but used the card again and forgot to make a May payment. About 15 days past the due date, my charging was suspended. I have a $41k spending limit but rarely had the balance over $500 and usually paid it off every few months. When I called them to ask about the declined charge, I was told it was suspended due to my late payment. Fair enough. I paid off the balance and canceled the card.

So I guess being a loyal, prompt-paying customer doesn't matter anymore. I just noticed that Chase raised my APR several months back from 8.99% to 13.24%. While that alone is enough to make me furious, what's worse is that it's across the board on all future and existing balances. Are you kidding me? Must not matter to them. I told the phone rep that I'll pay the balance and cancel the card then. His reply? Simply, "Okay." The consequence: nearly $20/month extra I have been handing them for paying my bills on time.

This is in reference to Chase Bank’s ruthless dealing with their customers! I was a Providian Credit Card holder, which became WaMu, which became Chase. I have never missed a payment, been late, and always paid the minimum or more. When Chase took over, it has been a consistent battle. I believe it begin with Capital One canceling my credit card for not being used, and not informing me. From there I believe that Chase using information supplied by the not so credible firm "Experian" lowered my credit limit and raised my interest rate. This does wonders to one’s credit to debt ratio. Basically, it destroys your credit! They did this once and then again! Having conversations with them is a useless waste of time and so is computer communications which always results in a computer generated response offering their sympathies and a phone number to call again to repeat the inane process.

I had a nice credit card with WAMU, reasonable interest rate like 9 or 12%. They were taken over by Chase who promptly without cause raised the interest rate on my previous balance of $2000, to 30%. They then proceeded to close my account. So I am left with unconscionable interest and payments with no way in hell to get out from under. I do not understand how they can raise rates on previous balance like that. It is like pouring money into a sieve. As I said, the payments have increased and the balance goes down quite slowly.

In 2008, Chase lowered my credit card limit from almost $20K to $8K without notice. I went to use the card and it was declined. After this, they sent me a letter saying that I could close the account or my interest rate would be raised from 11% to 22% and that if I closed the account it would only be raised to 17%. I closed the account. I was late on one payment a few months back and the rate was raised anyway to 29%! I recently called to reopen the account because I cannot get credit, Chase was my only revolving account to transfer to a zero interest account. This has damaged my credit and my ability to get another account. Every time I've called to try and dispute, they completely dismiss my requests. When I have the card paid off and the economy has picked up, I will not return to Chase. They are losing so many customers by their horrible treatment. They've totally taken advantage of the downturn of the economy by their opportunistic tactics. It's despicable.

Today, 6/14/2010, I received in the mail from Chase Credit Cards a statement stating my Visa (opened 1989) and MasterCard (opened 1996) are cancelled due to "inactivity for the past 6 months." Then when I made a call to their "credit/lending" department, they said they would review and attempt to reopen my accounts. However, instead of using the original reason to cancel my accounts, Chase said they will not reopen my accounts because of a late fee on my accounts back in 2004. Huh? They said they reserve the right to go back and review the entire history of the account.

On 6-13-2010, I attempted to buy gas with my Chase card. It was refused. Does that mean I should discard my Chase card? I had other credit cards which were used.

Chase calls me 3-4 a week, and hangs up when I pick up the phone. This has been going on for months. I opened a credit card with them, that had an introductory interest rate of 0% for 12 months, and a credit limit of $5,000. The only reason I opened this card, was so that I could leverage the money. I spend on every day purchases to pay down my student loans, and decrease the amount of interest paid. I have never been late on a payment, and have a credit score of over 700. When I hit a balance of $2,730. They sent me a letter, stating that they ran a credit check on me, and were dropping my available credit to $2,800, because I had "an insufficient credit history".

We are very dissatisfied with Chase. We applied for a card from Amazon and were never sent the statement, We called Amazon many times about the statement, but they do not know anything about my orders and my statement. Now ,Chase sent me a letter to pay them exorbitant interest and payments. Now Chase is bothering to telephone all the time for us to pay. I never applied for a Chase credit card. I applied to Amazon. This situation is horrible. I want to pay, but I do not need to pay the interest that has been generated by the irresponsibility of Chase.

I was current on all my debt and I had been with only a couple late pays over the years caused by my paying a bill online on or before the due date, which happen to land on a weekend. When Obama announced plans to reign in lenders, Chase was the first to review my accounts and decided I was over-extended. So, they reduced my available credit to the amount I had out.

I called Chase a year ago trying to get my very high APR of 29.99% reduced. At the time I was told very bluntly that they would not be able to do anything for me so I swallowed that pill and continued paying my cards every month on time and usually several hundred dollars more than the minimum due. Mind you that I have a credit card with another company which is about 15% and my credit score is 660-705 depending on where you look.

** called me and wanted me to apply for a credit card. I said that I did not want one. She had all my information ready and pushed the credit card application on me with no disregard. When I got denied, she no longer wished to help.

A year ago Chase, without warning, reduced my 2 credit card limits from unlimited to 3300 (balance on card) and 10,000 to 1,000 (nothing on card). At the time I called and was told it was due to late payments which was not true. Today, I received a call from a revolving charge that it got declined. I went online to check my account and see what happened and Chase has again reduced my limits without notice. The 3300 is now 2100 (again the balance of the card) and the 1,000 is now 400. From 10,000 to 400 on a rarely used card that is paid off in full when it is used. It’s unbelievable. I told the Chase employee that when all this credit card craziness settles down and they ask me to come back, I will not be a returning customer.

In mid June 2009, I received in the mail a notice that Chase Visa would be increasing the interest rate on my card, but that I could opt-out thereby closing the account and locking the interest rate. I opted out both in writing (right away) and then 2-weeks later verbally over the phone since they had still not sent a letter confirming that I had opted out. On July 9, 2009, I finally got a letter in the mail that stated the account was closed and the interest rate had been locked in. I then received my July bill around July 20th and noticed they had almost doubled the interest rate (from 8.24% to 13.24%).

I called today, 6/7/10, around 1:30 pm. I told them that I received a letter dated May 29,2010. I was questioning them on the issue why they have closed my account when I have a zero account balance since last July 1009. I have never been late with all my payments way back then. The person I spoke with was also surprised because of the closure since I don't have any balance and have never been using the card. He tried to "reopen" the card and asked for my social security number but I was told that he can't reopen it because of the my high debts, as what was seen on my credit history.

Today, I was informed by Chase that they have closed both of the credit card accounts that I have with them. I have 2 small Visa accounts with Chase; one was originally with Washington Mutual. When I opened these accounts the interest rate was < 10%, one is now at 26% and the other at 16%. I don't know when or why the rates were increased. I have made on-time payments on both of my accounts of more than the minimum payment due for the past 4 years. When I called Chase because they had been calling my house, the "account manager" said that they reviewed my account and that there was something in my credit report that indicated that I might be in some sort of financial trouble, so they closed both accounts, effective last week with no notification. They gave me no opportunity to keep the accounts open by paying down the balance or increasing the amount I pay each month.

I have driven from Billings, MT to Raleigh, NC because I am going to be starting a new job in the coming days. I have been unemployed since September 2009. I planned to arrive in Raleigh with my wife several days prior to my start date in order to see the area. I made a $900 payment to my Sony card account (Chase) and called to notify the company that I would be traveling across the country and would be using the card in many areas. I used the card for two days while traveling and had no problems. Then, when I reached my destination, I went to check into my extended stay hotel and my card was declined.

My account was closed about three years ago. It had a 0 balance for about a year when my husband used the max $5K to fund his business. I waited (and waited) for the bill, which never came. 2 months later I get a call saying I was late, and during that call I paid directly via my checking account. I told them then that I never received the bill and they mailed me a copy.

I've just been reading the complaints against Chase Credit Cards. My complaint is apparently common. I've had my Chase cards for many years. I have always paid on time and often the full amount. Yesterday, for no reason at all, Chase lowered my credit limit from $54,000 to $20,000. I have excellent credit, so I have already acquired a credit card from another company but one of these cards was my British Airways card, which I charged much on so that I could get the lovely air miles.

I am a good customer from chasefreedom credit card for over many years now. Today receiving a new credit card statement notice there is a late fee charge to the account for $39.00 plus interest $2.21 because owing last month of $56.91. However, I never got the previous statement in the mail telling me I owed $56.91. I had called ChaseFreedom credit to explain about this problem not sending mail out to me yet they blame on me for not receiving it as I spoke to Mrs. Tracey ** around 12:45PM PST. She clearly said she wouldn’t remove the wrong late fee charge even though it is not my fault. I want to complaint of Chasefreedom fraud on late fee charge. Why would I let a $56.61 to get charge of $39 late fee with interest? That would be unreason thing to do and Chasefreedom should have taken into consideration to remove but they still refused.

My original card was taken over by Chase. In August of 2007, I made a payment to the card through Chase's website 3 or 4 days ahead of when it was due. They processed it the day after it was due, charged me late fees, and over limit fees as the late fees pushed my card over the limit, then raised my interest rate from 10.99% to 28.99%. This was the first time ever late, and I was only late because the processed the payment the day after it was due. This sent my card payments out of control and eventually I fell behind because of the huge payments of $400 or more a month. I borrowed money from my parents to get the payments down again, but they still kept payments high. Soon my credit limit was reached and then I was penalized with over limit fees. Since my payments went out of control, I defaulted on payment and now it has been handed to a law firm to try and receive full payment of the charges they applied.

I have been made aware that on my credit card there is no grace period after the due date.

I have been a Chase card customer for several years. They took over one of my cards through Washington Mutual. After some time, the interest rate went from 8.99% to 24.99%. I was upset about this but not too concerned because I had a $17,000 credit limit and the card was paid off. Within the past year, my limits have been decreased several times and with the other cards. This card had the most impact because my credit limit is now $600. It was lowered to $16,400 in a card that was paid off and never had any late payments! I am extremely upset about this because my credit is now being affected. My credit score keeps going down. It has decreased almost 100 points. Chase stated to me that they cannot increase the card's limits because my other cards are close to being maxed out. Yes, they are, because the card companies keep lowering my limits. My credit score used to be almost perfect (760).

Yesterday, I received my monthly statement in the mail and saw I was being charged a late fee for not having paid the prior months bill. I called Chase Card Services and after holding 20 minutes, explained that last month's statement must have gotten lost in the mail as I never received it. I also made point of the fact that I have always paid my statements in full and on time since I began using this card years ago. Chase refused to to acknowledge that the statement could have been lost in the mail and blamed me for not calling them to see why it did not arrive.

Suddenly, my Chase card credit limit got reduced from $5100 to $1100. After a week, I got a letter from Chase stating that my account will be closed in a month and until that time (for 30 days) they are giving credit limit of $1100. I have used this card for the past three and a half years and never missed my payments. Reason stated in the letter is insufficient amount of credit information as reported by Experian. I have a score of 725 (as of May 10) so I pulled a report from Experian and it gave me the report with entire information. Report contains up to date information.

Credit card payment amount due was $386.00. Due date was 5/22. I paid on 5/22 on time to the Chase Bank branch. However, I made an error on the check and wrote $376.00. So payment was short by $10.00. For this minor error Chase charged me a late fee of $39.00. I explained to Ms. Clarice** that my intent to pay was quite clear since I made the check for $376.00 and I had not missed a payment in 5 years. She agreed will all of that but still refused to recognize the human error aspect and insisted the charge could not be reversed. So for a $10 error genuine human error I ended up paying $39.99, that is a 390% profit for the company. Just imagine how many of us humans make similar errors and how much the companies ** their customers with this atrocious charges. There is a serious lapse in moral values in these companies that permeates down to their employees. I just hope for Clarice's sake that she or anyone in her family does not make the same or similar mistake with any of their credit cards.

I paid my Chase Visa bill on 05.16.2010, mailed and postmarked on 05.17.2010. Payment was due on 05.19.2010. Chase processed check on 05.20.2010 and charged me $39.99 late fee. I called Chase on 05.28.2010 when I received the next bill and inquired about late fee. They told me it's not their fault if that is when they processed the payment they consider the payment late. I told them it was cut on 05.16 and paid as far as I was concerned on time. I told them I had been a customer for many years and that it's ridiculous if they didn't process my payment in time it should not be my fault. The girl I was speaking to told me to blame USPS! I was so outraged!

Chase collected $42 in fees and interest for a $5.95 late payments (over 700% return in a single month). The real kicker has been the recurring $1.50 minimum interest fees that keep hitting our account on a monthly basis even on a zero balance.

Since the new laws went into effect, Chase Bank is not crediting the extra payment amounts to the higher interest balances, as they are now required to do. When I called them on it, they refused to correct the problem and I also said that, in reviewing my account, it was in excellent shape and history, my credit score is over 800, that now, had to lower my credit limit. This is outrageous. Check your statements and anyone that knows of a class action suit against them for this, please post. Loss of money to credit card interest.

They advertise 5% cash back on home improvement, gas, etc. on their Chase Freedom Credit cards. Once you get their credit card, they let you know that you have to register every quarter on their website in order to qualify for 5% and that one quarter you get discount on groceries too. The next quarter you get discount on gas but not groceries, etc. This was never mentioned in their dozens of offer letters in my mail. Once I get the credit card, the let me know the stinky details. I can advertise that I want to give people $100 once you sign the contract. I'll let you know the detail that the offer is only valid if you pay me $120 first! Another example of credit card companies screwing consumers and our government is either dumb enough or acting dumb enough to let these companies get away with these rules. Now even if I cancel my credit card, my credit score will get dinged because I opened an account and then closed it! Where is the credit agency that takes points away from companies when they screw people, and if they have a low enough score, they are not allowed to do any more business and screw anymore people?

I had to activate my PPP when I was laid off from my job. They activated my plan for one month. Then I received a letter asking for verification for my unemployment. What I sent was not sufficient, but they did not notify me until the time limit had past. I mailed my info in plenty of time for a response from them. I called when I received a letter of cancellation, I was told to submit a copy of my bank statement showing the unemployment deposits, which I did and I also sent a copy of where I filed the latest unemployment payment, plus the state confirmation that it had been processed.

I enrolled in the payment protector plan and had the fee added to my card each month. Not long after I enrolled in the plan, I became very ill and couldn't work. Chase Bank denied me and didn't pay my monthly bill as the plan was suppose to do in the event of my becoming ill. We argued back and forth and they still would not honor my payment protector plan. Now they have filed a lawsuit against me for not being able to pay the bill. Help!

Chase keeps charging me more interest than my total balance. It is now time to call my AG about this matter. I’m 75 years old and she doesn’t take kindly to ripping off the elderly. Thank you.

I paid a Chase credit card off in full in February 2009. I went to a Chase branch waited 10-15 minutes while they called for a pay off balance and wrote a check paying the account in full and requested the account be closed. More than a full year later I get a credit report showing an account for $1 with a late payment history. I have not received any statements, etc. notifying me of the $1 balance. Of course Chase says they sent them; maybe the USPS is in conspiracy with them. I went to the local Chase bank to find out what the issue was and they were beyond rude and unhelpful. I requested the $1 be waived and that Chase notify the credit bureau that this account was paid in full and not a delinquent account. They refused said it was my own fault I didn't pay my bills. Unbelievable. No wonder congress has had to step in with regulation reforming the credit industry. The entire time I had the account I was never late and always paid more than the minimum balance and they report you for $1 that is their error.

In 5 years, I was late once paying my bill by 5 days (forgot to change my automatic payment date) and my interest rate was raised from 14% to 29.99%. The result is the company takes half of the 500 monthly payment I send and puts it to interest. I am losing a lot of money trying to pay this off.

I am being charge for late fees within two to three days after the due date because of the mail. I was informed I had no grace period. I was told I should send my payments in ten to 12 days before the due date. That causes a problem as there is no money to cover this.

I looked at my credit report today and was shocked to see it had dropped 57 points. Chase had reported that I was late on my May payment 30 days. It had been paid on the 14th, plus May isn't even over yet. When I called to see why they did that and asked to speak to a manager, they put me on hold till I finally hung up 20 minutes later. Chase is the worst mortgage company I have ever dealt with. Your credit report is very important, for someone to go and put a negative info when it has been paid and not late is not right. How do I know they won't do it again?

My Southwest Airline Visa card is through Chase Bank. I paid my April statement balance in full, so there was no carry over balance on my May account. My credit card bill in May was $1341.17. I paid $1109.96 prior to the due date, leaving a balance of $231.21, knowing I had a credit coming on the next statement. My next statement came and I was charged interest not only on the $231.21 balance from the which I expected, but I was charged interest on the entire balance of $1341.17 which was never 30 days past due, nor was my payment late, nor was any of that balance a carry over from the previous month. I called customer service and was told that their policy is to charge interest on the full balance on the statement regardless of the payments made. I fail to see how anyone can be charged interest on a non-existent balance. For Chase to add interest to an additional $1100.00 is criminal and absurd.

I accidentally grabbed my blue Chase debit card instead of my blue USAA credit card (they look similar) to take on a business trip out of town. I had a balance of about $100 in the account, which was my "emergency" money if I needed access while out on the road. I was using it inadvertently as a charge card on the trip, and with non-sufficient fund fees, it soared to over $1,000 (I actually had probably only charged about $300 to it). When my card was finally declined at the hotel 4 days later, I was horrified and noticed I had the wrong card. I called the customer service number on the card to report what had happened. I about died on the spot when the representative told me how much I owed in fees! This is robbery! There was no attempt made to contact me by email or cell phone, both of which Chase Bank had on file!

Charged unreasonable $39 late fee "plus" additional charges b/c I paid online at 8 am Monday. Bill was due Sunday. I am a longtime customer and never carry a balance. I pay in-full every month. I feel this fee should have been waived. Please note that if I had scheduled an online payment for Sunday, the bill would not have been paid until Monday anyway. There is no 'flexibility' with Chase, however Chase customers must have flexibility with Chase. Please also note, that if you choose to pay by phone, you are automatically charged a $15 fee, even if paying early.

I have spent the past 10 yrs building my credit up, because I know how important good credit is to get a house or just to survive now a days. I have 2 credit cards with WaMu. Now, Chase bank and I have never ever been late on a payment. I either pay it off each month or pay more than the minimum payment. I paid $1,000 3 months ago to give me some breathing room and lower the interest each month. Chase lowered my limit below my balance owed and is charging me an over the limit fee each month and the interest is outrageous.

I had a credit line of $4700. Now they tell me that they have lowered it to $3300. When I called, they could not give me a good reason since I have always paid on time. Can they legally do this?

I am a former Washington Mutual Customer, I have 2 credit cards with Chase, and I have set up automatic payments with their website, so I know my payments were not late. However, after the change from WaMu to Chase, I, like all of us ex-Wamu customers, started getting "the letters". First they are going to reduce the credit limit, next I received one stating that they were going to increase my minimum payment "so that they could help me pay off my cards faster", next they were going to close or cancel my cards. Now I see that my APR is currently 29.99% when I had started at around a 9% or a 4% APR, all of this according to them are due to my credit report. I don’t think it is fair for them to base their actions on my FICO score, or if I’m late on another account, that has nothing to do with them. I have tried calling them to change my APR to a lower one since September 2009. All the agents say the same thing, "We’re not changing anybody’s APR at this time."

I did not agree to the credit card terms stating that the interest percentage/fee would increase so I opted out with the WAMU-Chase credit card terms about a year ago and closed my account. For months now, I've been paying at least $100 monthly instead of the $68 minimum. In April, I made 2 payments of $100 (= $200) on 4/09/10 and 4/23/10 in an effort to pay ahead and to whittle down the balance. Chase charged a late fee ($39) on 5/21 because I didn't make a minimum payment of $68 within the billing cycle 4/24-5/21.

First off Chase took over Washington Mutual and then within that month they say a letter saying they were raising the interest rate. No reason. My account had 1900 on it with a limit of 3000. I was never late. I didn't opt out. The next 3 statements appeared normal and then I went to make a small online purchase and that’s when I found out they closed the account right after they raised the rates. They say it was because of my credit score, which at the time was 690-704, depending on who you checked with. I have 5 credit cards and all have something on them but none over half the limit except Chase and I have one that is up toward the limit.

I have been a Chase credit card holder since 2003 (Amazon.com-branded Chase Visa credit card). I never missed a single payment, always paid on time. However, I received a letter on 5/20/2010 that Chase was closing the account. I had over 6500 Amazon points accumulated, worth $65 Amazon gift certificate that could have been redeemed. I called, and I was told the points were forfeited when they closed the account. I'm fine with them closing my account, but they took away my accumulated points without any warning whatsoever.

I was charged a $29.00 late fee for being one day late on a balance of $50.00.

Last year, Chase cancelled a card I had recently paid down to only $400. I was told to take it up with Experian as it was their recommendation. A month ago, Chase reduced the limit on a card by $400 with the same excuse that Experian told them to do it. I have since researched to see if this is a common thing for Chase to do. I have read dozens of complaints from people who pay their bill on time and pay more than the minimum and have always done so. Yet, Chase treats us like dirt.

I had a Washington Mutual Visa card for 4 years when they were transferred to Chase. My rates went up once Chase took over which was bad enough. That was approximately one year ago. My card with Chase has an expiration date of May, 2010. I had not received a replacement card and wondered about that but figured it would come by June 1. On Monday, May 17, I received a letter from Chase Bank informing me that they had chosen not to renew my credit card with them and if I would like to know their reasoning to contact Experian?

I have had a Chase credit card for 25 years and have always been a member in good standing. Then they raised my interest rate to 29.99% and I promptly paid off my balance and stopped using the credit card - keeping the credit card for emergencies. Now, a year later Chase notified me that they are cancelling my card and my card cannot be kept open and I cannot open this card in the future "because of the type of card" - whatever that means. Basically I have to accept this and I have no recourse and this is a horrible way to conduct and keep clients - which I guess they do not need anymore.

I have a Chase Visa Credit Card that had a payment due on May 9, 2010, which was a Sunday. I took the payment to the a Chase Bank location on Piedmont Road in Marietta, Georgia on 5/7/2010 and put it in the deposit box, knowing that it would be processed the next day. I have never been late because I know how these banks like to charge those outrageous late fees.

I have a Chase Visa card with due date on May 09, 2010 and I scheduled a Bank of America bill payment in April 2010 to pay the bill of $28.52 in full on May 09, 2010. The payment went through on May 10, 2010 and the Chase Visa card charged me late fee $15 plus interest $1. I called Chase Visa card customer service number on May 18, 2010 and they said I should use Chase bill payment service and my payment will be timely paid on May 09, 2010 (Sunday) instead of May 10, 2010 (Monday) and there will be no late fee.

I enrolled in the Leisure Rewards Debit Visa program for $25.00 a year. The program offers you 4 points for every $1 you spend using your card as credit only. I had about 13,000 unused points in my account. I had left my bank card at work on Saturday 5/8/2010 weekend and was nervous someone could use it, so I called Chase and asked if they could just put a hold on the account until 5/10/2010 that Monday. They informed me they would be able to inactivate the account for up to 48 hours, after that the account would close and that is all they said. I called first thing Monday to reactivate the card. I was then notified that my points would be affected; I was transferred over to the Leisure Rewards Department which was not even open yet for me to speak to anyone.

I have had Amoco gas credit card since 1977 with good payment history and use. I was appalled at the treatment and mismanagement of the Chase/BP, which forced me to deal with Chase. I was changed without approval and they sent stuff to the wrong address and they are unwilling to work out helpful plan, for a very minimal balance. It was something under $20.00 at the end and it was ridiculous.

But they refused my reward. They insist their reward that's why I used their reward cards. Please make them pay me a reward money. I didn't close my accounts, they closed them for whatever reasons. They should pay me the reward. I'll never be their customer. Reward details are attached two statements; 3406 has 3,478 points and 4853 has 3,265 points. Their account close reasons are current loan amount on all open accounts, number of bankcard accounts and too many requests for/reviews of credit.

Last month, I received a call from a collection agency informing me that I had an outstanding balance on Chase Visa Card. I had not received a balance statement from them either by mail or electronically for over a year.

I paid the balance in full, on time. My interest rate is 29% this month. I get a bill for 3.78 for interest and they want more trying to tell me something about the billing cycle. I shouldn't be paying 29% interest either so they are waiving the charge, which tells me the charges were bogus and now I wonder how long I've been getting ripped for. If 100,000 people pay 3.78 in bogus interest charges, the bank makes 300,000. It doesn't seem fair to me. Also, they told me if I had a complaint that I had to put it in writing, but wouldn't give me a complaint #. I'm tired of being ripped off.

I was told by Consumer Affairs that my account was being closed because I owed WAMU money. I opened an account with Chase with the only money I had left in the world from an insurance policy from my deceased mother. $1100. I only wanted to cash the check, but was talked into opening an account. I was put on the phone with Yvette ** by a banking specialist so she could explain my money being taking for a debt. I explained to Ms. ** that I was homeless and this was all the only I had in the world. She laughed at me, literally laughed on the phone in my face. I owed WAMU money.

I am a Florida resident, but I currently live in Okinawa, Japan working for the US Marine Corps. I am currently visiting the US on a TAD (Temporary Assigned Duty) trip under military orders and I am experiencing major problems with my credit card company, Chase Bank. The government gave me advance travel pay to go on this TAD trip and I paid it all into my credit card account in order to pay for my hotel room and rent-a-car, which is what the advance funds are intended for. Now that I have just arrived in the US, I tried to use that credit card for my rent-a-car and it was declined. I then tried to use it for my hotel room and it was declined there, too. I then called Chase to learn that they reduced my credit limit by $1,100 and that did not leave me with the money needed to pay for my room or car. Basically, almost all the money that I had available for this trip is no longer available. I know they reduced it because I had a "high balance", but I have been paying more than the minimum balance and on time. I asked if based on all this, if they could temporary increase my limit just to cover my hotel room at least (about $600). I was just trying to work with them for asking only for part of my credit limit back and only temporary at that. They declined my request.

I currently hold 3 credit cards with Chase, as well as a savings account and checking account. And prior to paying in full, I had an auto loan with them. Yesterday, I received a letter in the mail notifying me that my credit line was being reduced to $400 (from $1200). I had recently paid my balance in full!

I have been a customer of Chase Credit Card for over two years, and I never was late in any payments. I usually paid more than the amount due every month. I do have a good credit report. About four months ago, they have decreased my limit on the card without any notice and also left me with no room to make purchases.

I been a Chase customer for 15 years. I never had a problem with them until now. I had 2 credit cards with them, and I have never been late on payments but always on time before the due date. I also pay the cards in full. Last month, I tried paying $156 at a restaurant for a dinner with some associates. The card was declined, and I asked them to try charging the card again. There must be some mistake that the card was declined again. Thank God, I had had other cards to pay.

I had been a loyal Chase cardholder for years (BP gas card). Never a single late payment, excellent credit score. I forgot one afternoon that I had a payment due logged on to my account and was 2 hours late (deadline was 5:00PM). I contacted the company and was told that I would have to pay a $39.00 late fee. I told them I would cancel the card and they told me "no problem" and did! When I received my statement the following month, they not only charged me the $39.00 late fee, but also a $8.00 interest charge. Determined to shut them completely out of my life, I paid the amount in full at the end of billing cycle. I got yet another bill today stating I owe $5.61 in interest.

I paid for 2 round trip tickets. Approximately $1,400, I paid my entire balance off. While I was away, I had to change my existing flight home. When I came home, I received a new bill. This bill said that I owed $600.00 for making one change.

I received letter from Chase on May 13 that my credit card would not be renewed. The expiration date on the current card is 05/10 (which I assume to mean 5/31/10). I currently have a $212 cash rewards balance on this card which I tried to redeem online immediately after receiving their letter. When I was not able to do so, I called a customer service rep and was told that the account had already been closed and that my rewards dollars had been forfeited. I assume that my account was closed because I pay my balance off each month and that they were not making any money off me in finance charges. I don't so much have a problem with their not issuing a new card. My problem is that I did not receive any advance notice of the account being closed so that I could redeem my rewards dollars.

I was sent my new Chase credit cards in the mail. It came with new program rules rewards/rates etc. I called the 800 number to understand what was going on. They told me I was upgraded to the new "Sapphire" program. I told them I liked the old program and wanted to stay on that program. I was informed that I was sent a form advising me I can stay with the same program, but I must positively respond this decision or I would be "upgraded". Since I did not respond by the 4/15/10 deadline, there is nothing they can do. There is no way I was sent a letter giving me a choice. I asked, should the "upgrade" be something I determine with a positive response? It was obvious they wanted me off the program and gave me no notice, they just made the change. I thought these type of practices are now illegal.

Chase closed two of my accounts yesterday without notifying me. They say that they don't have to notify me in advance. I asked about the third account I have with them, "Are you going to close that too?". My credit specialist said, "No, but if we did, you would still be given time to pay off the balance." I said, “Is that your policy or the law?”, she said it was their policy and didn't know if it was the law.

Chase reduced my credit without informing me. They say they sent out a letter on May 1st. It's May 12th and I have nothing! Never a late payment, I always paid over $1000.00 a month on credit card. I have no security for emergency.

I paid off my balance in March 2010. I was then charged with a $60 membership fee for the upcoming year (my anniversary date is May 2010). Within a week of being charged the membership fee which is for the rest of 2010 to May 2011, they cancelled my account for not having enough credit card debt. This was a United Airlines credit card so I am out the $60 fee for a membership. They are not going to offer me and the frequent flyer miles I would have gained throughout the year.

They sent me a notice that they are raising my annual percentage rate to 29.99%. This is horrendous for Chase to do this to consumers. Are they telling me in their own way to claim bankruptcy?

As of today, Chase has closed my account and has refused to give me my bonus points ( 20,000). They sent out a notice to me dated the 4th of May which I just received today 11th. The envelope is not dated so I'm really not sure when it really got sent. I really can't understand why they closed my account. They are saying too few open account with time on file greater than 24 months I've had this account for 3 years, total available credit on bankcard is low. I used this card daily for my business. I used to pay off in full almost every time. Recently work has slowed but I'm still making the payments, not missing any. Some time ago, Chase had lowered my credit limit and raised my interest rate. I have three accounts with Chase and when I called to merge them together, I was told they can't. I tried to raise my credit limit. I was told no. I'm lost on how this is legal or if there anyone I might be able to contact to further this.

Chase credit card has been adding on every month to my highest interest rate and telling me even though I pay the interest and $200.00 more, the balance is still on the books and all the money I pay is going to the lowest rate per the government's new ruling. In July of 2009 I owed $8.175.98 on 12% now I owe $9,096.56 on that rate. I don't use the cards and the balance is going down on the lower rate, but going up on the higher interest rate.

A couple of years ago I had set up an account with Chase Health Advance that was converted to a Chase card. Chase specified the payment due at that time at $140.00 a month on the first statement. I set it up to automatically pay from my Chase account to the Chase Health Advance. Well, two years later I see that my balance is $280.00 and I was excited that this account could be finalized and closed. Then, I get a statement that is $900.00 where they applied 2 years of interest. I called them and got the same song and dance. I spoke with a supervisor and got nowhere. I have had an account since 1983--at this time too long! I paid every month on time at the payment they specified. I never missed a payment even after sustaining $20,000 in damages from hurricane Ike. They have not recognized the loyalty we have had with Chase by accommodating a one month exception so things would get amicably resolved.

I paid off a Chase credit card. I was shocked to find out that they added a $30 interest fee after the account was paid and closed. It is useless to talk with anyone on the phone. They give pat answers.

Stay away from Chase credit cards. I have been with them for 25 years and never had a problem. Towards the end of last summer I accidentally switched my paper statements to online somehow and never saw the 9/09 and 10/09 statements (balance was less than $100). When I finally realized what had happened I called them and paid it right away. They told me they would make a note on my account so that my rate would not go up. I have not used that card since until this past weekend. I went online to check the balance and saw the interest rate had went up to 29.99% from 6.99%. I immediately called them and they refused to put the rate back to what it was or to even put it down to 10%. I have A1 credit and this is ridiculous. After I use my rewards points I’m going to close this account out. I’ve never had this problem with chase before; their customer service was always wonderful to work with.

I have 2 credit cards that originated at other banks, the most recent Washington Mutual that are now Chase. I paid off my account in full on March 30, 2010. This account was closed. To date I have received 2 additional bills of interest. The first for $37.11 and the second for $1.00. How can they charge interest for an account that is paid off in full and closed? Well, try to get a response from their customer service department. I was told they can do this. I have another credit card with Chase and when I pay off the balance, it's paid off. The person I spoke with, Travis ** had no response and was not helpful at all. The latest bill I received was for $1.00. So what will next month bring? Another bill for a credit card that is closed and paid off! They have to be stopped. I cannot imagine how many thousands of dollars they are stealing this way. Someone needs to do something. I have nothing positive to say about Chase at this time. Every time I see a bill from them I cringe. It is emotionally taxing.

Chase only offers two auto-payment options - full amount and minimum payment due. I've recently realized that making the minimum payment, I progress backwards on the higher interest balances on the card. I'd had high hopes for the new credit card law, but in the fine print I see that only what I pay above the minimum payment is applied to the higher interest balances. So I tied to set up a higher monthly payment on line. The option doesn't exist, so I called. An agent said I could set it up, but it had to be in writing. He sent me out paperwork. I received it. Still, only the two options appear.

Recently, I had to reduce my hours at work for health reasons. I signed up with a credit counseling agency, called all my creditors and told them my plans, and thought my problem of behind payments were solved. I would now be paying through the credit counseling center. Out of all my creditors, Chase has harassed me with several phone calls a day, seven days a week, even on holidays. I do not know what more I can tell them. They refuse to listen. I do not answer my phone when I see that the call is from them, but they still call. It's harassment and plain ridiculous!

I cannot believe how many people have had a similar experience to mine. I have been a Chase customer for over 20 years (all banking, savings, IRA, etc.). I had a WaMu account that transferred to Chase. I charge significant sums every month but pay them in full. The other day, I was reviewing my statement and saw an interest rate of 29.24%. I explained that I was a customer in very good standing and in fact have another Chase card with a very low interest rate. The rep read from a sheet about policy. I asked to speak to a supervisor and he gave the same answers (which is how I know they are reading from a script).

I had a credit card through Amazon with Chase. I found out in March that I had a balance that I had never received a statement from them in over a year. The bill was $876 with 12 months of interest charges. I went to the local branch and spoke with branch manager, Crystal **. After numerous hours, I made a final payment of $622 closing the account, and I was told that this was the amount due. Today, I received a bill from them for $166. I called to find out they had not closed the acct. and have been charging me residual fees for the past 3 months on an acct. I had closed out with final payment made. I called and spoke with Lisa ** and she told me I was misinformed and that this was due. I told her I could fax all the info the local branch gave to me, but she said these were fees due and it didn't matter. How can they do this to people? I am concerned that I will always get a bill from them on this acct. How can I stop this and get these charges removed?

My card "turned" into Chase when they bought out Washington Mutual. Up to that point I had no problems with my card. Chase without reason, lowered my credit limit and shortly after closed my account altogether. Then they had the nerve to close my checking/savings account as well. I never particularly liked Chase before, but after this "slap in the face," I would never use them again. I am paying off (in full) my balance with them today and will never do business with them again. I will use one of my other cards for emergencies, car rental, airline tickets etc.

Chase lowered my credit limit on two accounts on two separate occasions. The first time, they were raised back, but not less than they were. Second time, they didn't want to correct at all. It happened right after I made big payments on both occasions. They lowered the credit limit without giving me any kind of notice! I always made more than minimum payment on time. Extremely unfair practice! Do not open an account with this company!

My husband and I had credit cards with WaMu and they got bought out by Chase. It has been a nightmare ever since. They consistently charge us late fees for payments that are sent up to 20 days before the due date. They blame the bank, the post office and whatever else is convenient. They lowered our limits and doubled our interest rates. Do not get an account with them!

I have contacted them in regard to late fees and tripling of my monthly payments. Was refused any help at all and was also refused the opportunity to speak with a supervisor. Kelly ** is Senior VP of Customer Service. Have sent a letter. No response. The economic damage to me is that due a $35 late fee my payment went from $38 to $112 then $109 then $142 and now $175.

My hardship is real, but I am weathering it with integrity and diligence. However, this particular company is not respecting my long standing relationship and seems to be marking my credit anyway it can to lock me down. 2009 balance transfer to very low interest, with stipulation of our normal interest rate if we made a late payment. Late payment occurred, but they raised our rate to 29% and started hitting the credit reports. We caught up but had a medical disability end of March for one week but paycheck delayed by a month.

Chase lowered my credit limit to $2700 when I owe about $2000 in balance. Even though I have been paying the minimum on time every time, my credit line before was $6500. I guess the reason they do it is because they want you to pay more instead of paying the minimum every time. That's what I think the reason they lower people's credit limit. So beware, people. Be sure you are working and have money, so you can keep paying your credit with Chase.

I see I wasn't the only one. I paid the full amount of my bill as I normally do. Chase said they got the payment a few days late & charged a late fee plus interest. On next statement, the only charge on it was the late fee & interest. ** wouldn't reverse. After a very long search, I got through to executive office & ** reversed the charges but then I got a letter from them. They are lowering my credit limit. I had the card for at least a decade, seldom use it & always pay the full balance. Clearly, it's now a negative mark on my credit report & likely resulting in a lower score. This action was purely retaliatory.

I have read the comments and complaints below and I have experienced some of them myself. Chase (and others) are grossly unfair in their practices and cause damage to good credit. My theory is that they are freeing up cash by lowering our limits so they can lend at higher rates to those who don't have such good scores. Complaining here is cathartic but does nothing. The place to complain is to the Comptroller of the Currency and file your complaint there. Then you will get some action.

I originally had a Washington Mutual Credit Card that was taken over by Chase. My interest rate was immediately changed to 29%. I was paying almost 17% because I had a prior bankruptcy (due to 2 job losses in a 1-1/2 year period) and Washington Mutual was the only credit card company willing to give me a second chance. Unfortunately, I lost my job and was struggling to make my monthly payments of $212 a month on a $5,000 balance. Chase was not willing to lower my interest rate or work out any kind of lowered payment. When I mentioned that I felt they were discriminating against me for a prior bankruptcy and they wanted that noted on my account.

Do not ever get a Chase credit card!. They are nothing more than a scam artist. I have always paid my payments on time. In April, I mailed a payment to them 8 days before it was due. They claim they did not get it on the due date, but the following day, which was a lie. They charged me 39.00 late fee, plus interest on the late fee. I called and after talking with 3 different people, a supervisor told me they would waive the fee as I had never been late before.

I had thought we were through with the tricks, traps, and games from the credit card industry after last year's stampede of interest rate hikes, account closures, end of fixed interest rates, and credit line reductions, but I was wrong. Chase is up to no good once again. After sticking me with nearly triple the minimum payment on one of my accounts, and interest rate increases on others in several rounds of account change notifications. Chase just slashed credit limits on two accounts, one with a former $15500 credit limit (with less than $1,000 balance) which is now $2500 and the other which used to be $8000 which is now $1100 (and has zero balance). Reasons: "balances owed on revolving accounts too high" and "balance too high compared to credit limit." Of course, that's nonsense.

I had my Chase credit cards for at least 10 years and majority paid on time or paid balance in full. After my layoff and employment switch I paid on time and they lowered my limit which brought my balance to close. Then I went to use my card and they decided the other day to close it due to some reporting by an outside source. According to state of CA law, they have to give 30 day notice of intention which was not done. Also, if I am paying them on time it is none of their business what else is done out of this parameter. Since there is a privacy law for HIPPA, there should also be one for credit cards after you have them. Lowers my good credit score plus puts me out of two credit cards.

On February 24th, I made a final payment to my closed Amazon-Chase Credit Card for the amount of $1363.98. This account was already closed! After making the final payment of $1363.98 and assuming that I was finished with this account, on April 27, 2010, I received a bill for something called "residual interest" for the amount of $9.96. How can this interest accrue when I had already made the final payment on February 24, 2010 for the entire amount on my statement? After making the entire payment of $1363.98, the balance should have been $0. What is "residual interest"? This is nothing more than a scam! When a consumer receives a statement for the total amount due, and pays that total amount in full, why isn't that consumer's balance left at $0. This makes absolutely no sense to me! I went ahead and paid the amount for residual interest of $9.96., confirmation number is **. I filed a complaint with the Federal Trade Commission and the Better Business Bureau to investigate this and thousands of other complaints against Chase.

In February 2010, I paid $20 less than the full balance on my credit card. This resulted in an interest charge of $49.14 on my next statement. The complete balance on that statement was paid in full and on time including the $49.14 charge. The following month another interest charge of $33.47 was added to the balance. When I spoke with the customer service rep named above, he explained that the balance shown on my statement was not the amount the bank claimed was owed. And even if I paid the new balance due, there would be additional interest charges added to my next bill because I would have not paid the secret amount the bank wanted me to pay.

Enough is enough. I had two Chase Credit Cards. Paid my payments on time and for more than the amount owed, every single month. Back several months ago, when all the credit card companies started to drop their credit lines, I decided to go ahead and pay off my Chase card with the $8900 credit line (which they had dropped from a higher amount) and close the account thinking this might keep them from lowering my credit line on my second card. Wrong, it appears now that as soon as I paid off my other card, they decided to drop my credit line to $400 over what I owe on the existing one. I asked them why and they said because of feedback they received from the Credit Bureau.

Excessive lending. My daughter opened a credit card account while she was a student in college. She worked part-time earning $7.65 hour, with her annual income for 2009 being filed as $6585. Her initial credit limit was $8000, which was recently increased to $11,000. Originally, I thought it was an error, but when they increased the credit limit, it obviously was not. My daughter has now graduated, and is looking for employment, but is in debt (besides her student loan) slightly over 3K, and although she has no issues with this, I do. Our children cannot afford to be targeted, and allowed to be debt stricken for bank to profit of their inexperience in credit matters. How can banks be allowed to extend credit to Children (or adults for that matter)that exceed their annual income? The credit act of 2009 addresses some of these concerns, but what about the children affected prior? Although I cannot find anything, this has to be an illegal practice.

I had a $13,000 Washington Mutual credit card. They got bought up by Chase. Chase raised the rates to near 30%. Usury laws put you in jail in Texas at over 18%---unless you are a credit card company or pay day loan outfit that can bribe the corrupt republican legislators. When I paid it to zero and kept it there, out of the blue with no notice Chase simply cancelled the entire credit line. Aside from the obvious waste of my time and effort in establishing the $13,000 line in the first place, Chase damages my credit when they take an action like that. There needs to be a law striking them down every time they do such unethical things.

My complaint is similar to those I just read. We were formerly with Washington Mutual who just got taken over by Chase and prior to that, Home Savings of America. This has been the worst acquisition from a customer experience standpoint ever. While the website/portal is decent, their policies and how they treat customers is *terrible*. They don't understand customer loyalty. We have an excellent credit rating, have been paying customers for 20+ years, they just treat us like a herd of cattle and levy fees like there's no tomorrow, feel like extortion.

I have always paid my Chase credit card on time, usually well before the due date. I have never gone over my credit limit of $2500. I have never used my card for cash advance. I have always paid more than the minimum due. I was shocked to learn from my latest statement that I'd been charged a total interest of $128.27 since January 1, 2010. I have not used the card in several months, just paying it off. On my statement the APR, which suddenly turned variable, went from 15% to 23.24%! I didn't care until I got my April 2010 bill. I'd paid $100 and was charged interest of $42.87 which to me meant that Chase was bilking me way beyond their own stated 23.24% APR. My monthly interest charge now averages 40% monthly even though Chase states its APR (variable) is 23.24% annually!

Raised my interest rate to 27.24% on one card. On my 2nd card to 24.24%. My cards were on auto pay, so always on time. They say they have a freeze, yeah right! They give people who are late on payments 2% interest and take advantage of people paying on time. It is unbelievable what is happening in our country. I plan to pay these off and never use Chase or American Express ever again!

Received statement, was assessed interest charges and a late fee of $39. I have excellent credit rating. Called and requested a courtesy removal since I normally pay on time and the payment was received on the 14th in lieu of the 13th but the statement cycle was not even closed. Asked to dispute the charges and said no. Asked for manager and said no. It was policy that they waive no courtesy charges. Refused to allow me to speak with a manager. I have been a client since early 90's. Said I could sign up for online payment, draft or pay via phone. This is not for me. Not comfortable with that at all. Needless to say, I will be using my other credit card and then cancel this one soon. At least as soon as it is replaced with another card at the same values. I pay my charges off every month and they evidently do not value a good customer.

I have a Visa credit card account through JP Morgan Chase. Believe me, I have many friends that have closed accounts with Chase because of how they conduct business. When I would hear their stories, I told myself that I would never do any type of business with Chase. If you hear a negative statement about a company from one or two people, you typically do not take their word for batum because the number is too low, but when you are constantly hearing this from a large number of consumers, you tend to say to yourself, this must be true so you believe it and not do business with that company. Well, I got stuck with Chase when I originally held my Visa credit card account with WaMu (Washington Mutual). I received a letter from Chase stating that on March 9, 2009, consumer accounts will be converted into a Chase credit card. Needless to say, I was not happy at all, but I kept the account open.

My husband was out of work and I was having financial difficulty. I was unable to pay my Chase account for several months. I called Chase to try to settle with them for a fair amount. They refused to settle. So I took out a loan on my 401(k) and paid the account off. My statement showed a balance of $9,920.33 with a payment due date of 02/17/10. I paid the balance in full on 2/04/10.

After paying $4,000 off my Chase credit card, I received a notification front mint.com informing me that my APR had jumped to 30%. I never received notification from Chase (though they claimed they sent me a notice, which seems like a lie seeing as 4 different reps gave me 4 different mailing dates). Why did my APR jump to 30%? My payment was 3 days late. The first late payment I have made in 6 years. The customer service reps, both on the phone and via e-mail, have been incredibly unhelpful. All they do is spout corporate drivel and read from their script. I have now been waiting on a call back for over a week.

Chase lowered all my credit accounts to right above the balances. This is ruining my credit score. I never missed a payment or have been late on any of my credit. They stated I have too much credit. If they are getting paid every month, what does it matter? The customer services representative doesn't care. I called about two accounts. Before the conversation was over, she said she will be lowering all my accounts.

Thanks Chase. I was on a trip to drop off my daughter in Arkansas and I knew I had over $4k in available credit on my Chase #1 card which I had over $8k in credit on. I also had Chase #2 card which had over $3k on it. During my trip I had used my #1 card once when all of a sudden, I received an email notice to my Blackberry that my credit line has fallen below $1000. I almost had a coronary and went into a panic attack.

I went to call Chase because my interest on my card had gone up to 27.74% from a previous rate of less than 10% and I wanted to request that my account be reviewed and my interest be lowered, as I recently received an offer from a competing company for a much lower interest rate. I had assumed the reason for the increase was due to an error on the part of their automated payment system in which the payment did not process until after the weekend of my payment due date.

I also received a letter from JP Morgan, Chase Bank regarding the closing of my account on February 25, 2010. Here is why I believe they closed my account and I am not sure if anyone has had the same situation. I was recently unemployed since February 12, 2010 and I called Chase Bank to see if I can go through their hardship program since I lost my employment. This will help lower my interest from a 29.99% to 6%, paying monthly $86 vs. $150. Well, because my UI benefits was not enough, they said I did not qualify for a hardship, I would need to go to their credit counseling agency to lower my interest.

I negotiated a settlement with Chase because they had deducted the money from my account in January of 2010. I received a statement showing a past due balance and started getting calls. When I spoke to Chase, they informed me that they don't show any paperwork for a settlement and the payment was applied to my original balance. Unbelievable!

The company will not accept payments for a credit card bill, even though it is under $3,000. What I find more interesting on this matter is when we do pay the card monthly fee, APR is jacked up so high and those same monthly payments will go up with it. So it begs the question, what the heck is the point of Chase doing this? Are they that desperate in keeping customers that they need to constantly raise the APR to prevent them from paying off a card?

I received a letter about dropping my credit line from $3750 to $500 USD. I never missed a payment, and I have been with them for over 10 years. My credit score is 700. They bought out previously my WaMu before Providian. Chase's reason for dropping line of credit to $500 USD was low usage (not credit score or missed payments, never carried a balance). I used it for a cell phone payment every month. They could not define to me what "low usage" means, let alone what "good usage" is.

Thank You. Loss of reward points valued at 150.00 dollars.