I RECENTLY OBLITERATED AND DESTROYED ALL OF MY CREDIT CARDS, MAINLY BECAUSE OF THE UNCONTROLLED USEROUS INTEREST CHARGES. ANY AMOUNT OVER 12 PERCENT USED TO BE CONSIDERED USURY AND WAS A CRIME.
SEARS WAS THE LAST TO GO, IN THE END THEIR 39.00 LATE CHARGES ON A $200 AMOUNT DUE WAS JUST TOO MUCH, THEY CAN KEEP THEIR CARDS AND THEIR MONEY, I USE CASH AND MAINTAIN TOTAL PRIVACY AND BEST OF ALL NO OUT OF REASON CHARGES. NEEDLESS TO SAY THAT I HAVE NOT SHOPPED AT SEARS FOR THE PAST FIVE YEARS, MUCH BETTER AT P.C. RICHARDS, BETTER BUYS AND LOWER PRICES.

AS FOR BANKS, COMMERCE IS GREAT, NO CHARGES FOR ACCOUNTS, ATM OR MANY OTHER TRANSACTIONS, GLAD TO LEAVE BANK OF NEW YORK WITH THEIR GROTESQUE CHECK PRINT CHARGES, 220 PER YEAR ACCOUNT MAINTENANCE, UNCOLLECTED FEES BECAUSE THEY CANNOT PROCESS OUT OF STATE CHECKS UNTIL FIVE TO FIFTEEN DAYS LATER, CHASE THE SAME WITH THEIR UNCOLLECTED FUNDS RETURNED ITEM FEES OF $35 ON BOTH SIDES, DO THEY REALLY EXPECT TO STAY IN BUSINESS. BRAVO FOR EVERY NEW BRANCH THAT COMMERCE BUILDS, IN WILL BE ONE LESS, BANK OF NEW YORK,CHASE OR CITY BANK IN OUR NEIGHBORHOODS.

Craig,

There has been a shift in thinking in the credit card industry over the past 2 years or so. Interest rates have soared, even for customers with good relationships. My father has a $50,000 credit card. His provider just sent him a notice stating that the interest was going from 5% to 16.9%. It isn't due to his not paying on time, or previous history of late payments (He's never late). They just changed their policy.

I have cancelled 2 of my cards since the beginning of the year over horrible interest rates. My credit sucks, due to problems in the past, but over the last year and a half, I have 1) Paid my bills every month, 2) Not been late for 3 years on any card. They just chose to make the cards high interest cards. Bzzzzzt! Gone. I don't need them. I don't have any high credit limit cards (wish I did), but I have enough that I don't need the HIGH interest rate cards.

The fees... well, that is where they have figured out they can make one helluva profit. Read up the fees on your different cards. Many probably sent you new fee schedules that started on Jan 1 (I suspect something in legislation either allowed them to charge higher fees, or mandated the notices). Capitol One will generally waive a late fee once per year, but not many other companies will anymore. Chase apparently didn't value you as a customer any longer, or they would have waived it.

I'd be inclined to write a letter to the CEO or President of Chase and let them know what transpired. They might not care, but it might help you to vent a bit more. :-)

I have been with Chase since 1995, as well. Part of this can be blamed on the Bank One merger. Bank One always had high rates and poor customer service. Prior to the merger, Chase had low rates and great customer service. Once the two companies merged, I knew they would go the Bank One route to pay for the merger. Sure enough....

Interesting comments. I should clarify how I came to be a Chase card holder, as I never intended to be. I originally (back in 1995) obtained a GE Rewards Mastercard, one of the first to pay you back a % of your expenses. GE Rewards accounts were taken over by FirstUSA, I think around late 2002. FirstUSA was then acquired by Bank One in late 2003. The Chase acquisition of Bank One then happened in late 2004. So I experienced four different credit card providers in 5 years. Bizarre.

Sounds familiar... I opened a checking account at Glendale Federal Bank... it got bought by California Federal... which then got bought (swallowed) by Citibank.

So... Do you know of any good/fair/cool credit cards out there?

I am looking for a good one. There aren't many to be found.

Though I have been fairly please with AMEX service.

Chris, I actually really like my Discover card. I know, I know, how 80's can I be? But they treat me right (they waived the late fee last time I was a few days late in scheduling an online payment), I get 1% cash back on all my purchases (5% on some), and it's accepted *most* places I try to use it. I've carried it since 1990 (was my first personal credit card) and it's always the first one I put in my pocket. HTH.

Oh, and you can choose from about a million different card designs, some of which are really cool (and there are even puppies and rainbows if you're into that).

I just cancelled my Chase card because of unbelievably crappy service.

In January they called me because I was "behind" on my payment. I found that very odd because I pay all my cards off in full every month.

After some investigation we discovered that we had never received a statement for the last 2 months.

Well they apologized and waived the fees.

Today they called again. "You're late".

In the meantime they jacked my rate up to 29.9% and froze the card.

Guess what ? They (again) hadn't sent a statement in the last 2 months. They verified that they had the right address and that I was on the list to be sent paper statements.

They tried to blame the Post Office (4 months in a row ?)

I paid it off and closed the account.

Fuckem.

I had two British Airways (issued by FirstUSA, then became BankOne, and then Chase) VISA cards. The total credit line was close to $9000. The cards started at 12% after the special introductory period. Although there are times I was over the limit, I always had paid on time. Two incidents caused me to cancel the cards.

Back in Febuary 2004, I was checking my statement online and found that I suddenly owed $600000 on one card and $9000000 on another. In total I had a balance of $1.5 million! I checked after two days and it was still the same. I called the customer service and they had no idea. Later they told me it was a system error. How ironic that the "system error" always happen in their favor and not the customer's? Why couldn't it be $1.5M *credit* to my account instead of debt?

Then, for no good reasons, they raised my interest rate from 12% to 24%. Effectively doubled it. Plus some other fees like over the limit fees, I was paying 30% ro 40% of the total monthly payment to finance charges.

I called them to complain and they were unresponsive and apathetic. I had a bitter discussion with two representatives who displayed such attitudes. Afterward I immediately paid off both card in full and cancelled them. Funny thing, they also terminated my cards on their side about the same time. That's the last time I'll ever deal with them again.

I sympathise with Craig's painful experience and speaks the volumes about the greed of banks. Chase is one of the worst banks to do business with. I had a lot of bad experiences with that bank. DONT USE CHASE CREDIT CARD.

Folks, lets fight this late payement fee greed. Lets beat them at their game. Everybody setup recurring online payments. Schedule online payements of $50 everyweek as a safety net. If you dont like this idea, come up with your own idea. But folks never never give in to the banks greed.

When we used our Chase-Visa card to wire money to our son, who had moved to another state and couldn't get his money transferred for the 10 days it took to establish an account in a local bank (another issue!), we were not apprised by Chase that there would be fees attached to this transaction. It seems that it's connsidered a "cash advance," and there are not only service fees, but automatic late fees, which we would have to pay every month for the rest of our lives if we did not stop using our card. REason? A cash advance is the last thing paid off, so when we pay our bills each month, if anything is charged after this, a balance will remain, which will be considered late.
I've written to our state attorney general, and to my state and federal legislators--if this isn't illegal, it should be. Would like to write to the CEO of Chase, but can't find name/address. Anyone know it???

I found this site, only because I was pissed of with Chase Credit Card and its late fee policies towards loyal customers.

Yeah I try to fight but .... ?

1) credit reporting advises against cancelling credit card whom you have good record with, it could lower your score. i know unless you are 60 days late, one late fee does NOT get reported.

2) good credit score means you must have revolving credit - thats the plastic card. funny but true.

3) the customer services probably wouldn't give a damn about your case and/or helping you close your account.

So ..what we need is to complain higher level to the bank and have them grill those cold fish customer service rep, for offending loyal customers.

And you know what, each time you receive those prepaid envelopes from them card companies, put some trash in there and mail it back to them.

it feels good.

I just had a similar experience with Chase. I have been a customer with chase for well over 4 years. I missed last months payment because of the month of Februaury, the billing cycle changed coz of the 28 days. I always pay my bills regularly with Chase, my accounts were never delinquent. The payment was due on the 30th of last month and I called the customer service to request a waiver. The rep was very cold and refused to waive my fee of $15! I said I wanted to speak with the supervisor. The supervisor was just as discourteous and did not hesitate for second when I said I wanted to cancel my card. She was willing to let go of a customer for $15!
What cheapskates! I told her that other companies waive fees for their customers and her answer was 'We are not one of them', how proud she must be....to be such a penny pincher!
I am in the same position as Ellen, I have to think about my credit score, damn these credit card companies!!!
I hope those reps have such an experience in their lives and realize how frustrating it is.

Chase sucks. I am just now experiencing the awful bite of the Corporate Chase monster. They apparently need my measly $39 late fee (and an additional $39 Returned Payment Fee - WTF is that?) because they don't make enough billions of dollars as it is. I have never had such bad customer service. I have been a customer for over 4 years and have never missed a payment. I always pay my balance in full - which they probably hate. Greedy, money hungry bastards.

I've bought and will bring online - www.chasecreditcardsucks.com.

Once it's up - I welcome all of your stories.

I had a very poor customer service experience with British Airways Chase credit card reps recently.

I typically pay all my credit cards in full on due date. I had been a member of this card for more than 5 years with a clean record of payments on or before time over this time period.

In April I did not receive the statement. In May when I got the bill they had appended a late charge. I called up and explained the situation and requested another statement and immediately arranged to pay the outstanding amount. We requested a one time removal of the late fee charges since we had not received the bill and given our on-time payment history to date. The reps were rude and not willing to do anything. In addition they kept telling me that I could go ahead and close the account if I liked. I was extremely disappointed that after talking to multiple reps, I could not get them to resolve the situation. Ultimately I was forced to cancel the card.

I just had a very bad experience with Chase. I paid off a $5000. bill on April 26, 2007, Payment was posted on April 29,2007 it was due April 30, 2007. Received statement for May charging additional interest. When we called we were told they have every right to charge fees even if it is paid in full before due date. While we were disputing the charges they have know added a late fee of $15.00 on the interest. I called to try and resolve this and was told in no uncertain terms would this change. So I told them I wanted to cancel my card of twenty years. The response of the representative was , you will be forfeiting your twenty years and will never be able to get that back. We have to stop letting them intimidate us into thinking that we need them.

I just canceled my Chase Freedom Card. I didn't receive May 2007 statement and a $39 late fee was on the bill that came in June. I called the costumer service and a lady told me that I should call back 48 hours after the account was paid in full and costumer service would be able to waive the late fee since I have no previous late payment history on this account for over 7 years. So I called back after 48 hours and another representative and her manager refused to waive the late fee and insisted that there was no record of the phone conversation 48 hours ago. I immediately canceled the account since this company is not trustworthy.

You may think you are a profitable customer for chase, but if you pay your balance in full, then-oops-miss a payment, expect them not to waive a dime. You're considered non-profitable, (since they make no money off of that no interest) and if they have a chance to make money, they are gonna take it.

Don't set up reoccuring payments through chase. I did and even after I payed off my account and cancelled my reoccuring payments, chase still tried to take money out of a closed bank account. They denied this and still charged me a $39 returned fee on a payed off account, $15 late fee for a $0 balance. So in short every month they charge me $44 in fees on a closed account.

Chase card, through Amazon, just got my wife with the bogus late fee and interest charge because either the post office didn't get them the payment until two weeks after it was sent or they had it floating around within their office for that time before posting it. They finally cashed the check I know I sent out in plenty of time to get there by the due date, and when I challenged them on the phone to look at the stamp cancellation date by the USPS and the check date, they merely replied that they only go by when they post it. And of course, after years of paying it off month by month, they didn't put any stock on the record either, and wouldn't admit to the envelope date or the check date. So I'm cancelling, and they could care less. From here on out, all my credit cards get paid online, because I can't tolerate the USPS or the crooked Chase and company gyping me of $39 and interest on the monthly bill (which is usually another $45). I advise any and everyone to discontinue their Chase cards, even if you think it helps to get the Amazon points. Use Discover instead and take the cashback bonus, which you can then turn $20 into $25 at Borders, if you want discounts on books that bad.

I've suspended use of my Amazon.com Chase-issued VISA. I autopay the account once a month--more than the minimum payment. Despite the regular once a month payment, I was assessed late fees for the last two months, because my payment was not received within a Chase-defined payment window. The first Chase representative I spoke with was not helpful, but transferred me to a person when I asked them to close the account, who agreed to reimburse me for the two so-called late fees and move my payment due date to solve the problem. I still don't understand--if I regularly pay more than the minimum once a month, why is it necessary to move the payment due date?

Chase has deliberately established a system that generates junk late fees for the unwary and uncomplaining. This is unethical in my book, so I won't do business with them. I have kept the account open, since cancelling it might affect my credit score, but won't use the card.

Credit cards are a rip off! I have a CompUSA credit card, and these asses require you to pay your bill 2 days before the due date. For example, they'll have your due date posted as Jan. 1, but you actually have to pay on Dec. 30 or your payment is late and they charge you $35.00. Oh, and if you just happen to remember that your payment is due on Jan. 1, and you try to pay on Dec. 31 or on the day of Jan. 1, they charge you $15 and claim that this is a way to avoid the $35. Aint that some B.S. !@#$ credit cards man!

The Credit Card companies need us more than we need them.

My story is similar to others on here, I forgot to make a payment in the month of January (it just slipped my mind) on my Chase Amazon.com credit card.

When I called asking to have the $39 late fee removed (which they used to do in the past) the CSR told me the bank won't allow it. I asked for a manager but he said they would say the same thing.

So I asked what was the point of having their card if 1 or 2 late fees erased any cash back I get. He offered to set up automatic bill pay but I asked instead to have the card canceled.

I forgot to pay my American Express bill as well and they waived the late fee.

In the end we don't need these companies, a checking account that works as a Mastercard or Visa is just as flexible and there are never any late fees.

The only way to stop this late fee BS is to boycott these companies. I will never do business with Amazon.com or Chase again. I would advise everyone else to do the same.

P.S. Don't worry about your credit score. An excellent credit score will not lower the interest rate on a loan any more than a good score.

Credit scores are only used to determine if someone is a real dead beat and charge them a higher rate.

Fkng credit cards, pay them off and cancel all of them. This is the key and you will be a free bird. such freedom and so much less headaches and stress.

It is absolutely not true that you will improve yor credit or anything else by having a credit card and charging it etc...absolutely not true.

It all has to do with your salary [steady money etc] and if you pay you car payments on time, rent blah, blah..

Dont be fooled.
If you can, pay off as fast as possible [sell furniture, car] whatever just to pay them off asap and cancel immediately!

Chase is one of the worst companies btw. Crooks, especially in the last 3 or so years.

Is it me - or are the "due dates" on bills getting shorter all the time? I am someone that pays his credit card in full and on time, every time. Banks don't make money off of guys like me - so it makes me wonder if they intentially shorten the payment cycles for those that always pay in full. All you'd need is to be on vacation just one time and you could miss the payment window.

(another Chase customer, I'm afraid)

Yesterday I was going to pay my Citi card and found out that the due date was 3 days ago. I only forgot because I'm so busy with school. Anyway, I pay my balance and hope for some miracle that they won't charge for any late fee since I'm always on time in the past years. Today I check my online account and the $39 late fee is charged on my balance. I wasn't so shocked since I expected this will happen. I called the customer service to give it a try and ask her to waive the fee for me and she did! I think I will stick with Citi card (in addition to my discovercard) for my whole life.

Craig & others - same thing happened to me. I've been a loyal Chase Freedom customer for years. My payment was late by ONE DAY. They tacked on a $39 late fee PLUS interest! I always pay on time and I figured this would be a "no brainer" for Chase customer service to refund this fee because of my payment history. They wouldn't budge!!! I spoke with three representatives, including one supervisor. Nothing! I cancelled my card on the spot.

These Credit Card companies DO need our business. Without US they will not make any money. Even if they act "cold hearted" they dont want to lose your business. Keep cancelling the cards and eventually they will come around. Remember, credit card companies make money not only from interest & fees on the users, but they also make money by charging the seller a fee (usually a fixed amount plus a few percent). So everytime you use your card they make money. Losing loyal customers is NEVER a good idea for ANY business.

Get rid of all your credit cards ASAP!!!That's my suggestion to all of you. You do not need them in this day and age as they are just bankrupting the whole of the country.

Chase offcourse is the worst. Closed two of their credit cards this year,,,,those scumbag thiefs.

BTW, I have perfect so-called credit and records but they still behind my back raised interest to both my crdit cards from about 9% to 28% [never late or any problems ever]...I'm one of those people that is intentionally quiet when I see someone is messing with me and therefore I did not call and complain just immediatelyy few months later paid off both of the cards and now I'm a free man. Load of the chest. breathing much better when pay things upfront with cash or deit card as know that it is actually mine.

When buying with credit card you actually are sort off like renting that item until you pay it off fully [usually you pay double its price once you pay it off!]. Why give them the money for free.

Just suck it up for a while until you pay off cards and immediately cance all of them.

I can go on and on about all the scams and rip-offs that Chase has pulled on me to steal my money, but do your self a favor.

Without credit cards, now I can actually save 1-2 thousand of dollars for myself and not have to send all that money for credit cards. offcourse the hard part is paying off those cards [especially some peol really went overboard] BUT suck it up, be cheap whatever and pay them off. do not use those companies that payoff your debt. You got to use your own money or borrowed from cousing etc.

Be free like a bird without credit cards. Ohh, its nice to be able to not those frkn bills at home from those chase animals.

I have the similar experience. I am a long time customer of Chase too. They charged me a fee for overlimit. I asked them to waive it as a courtesy. They refused, so I closed the account.

Chase amazon credit visa card charged me 39$ returned payment fee because of the incorrect payment information,I inputed my checking account and lost 1 digit,I didn't mention it until I got he bill again.there was no warning about that and I never got informed of the returned payment fee,so it is so unreasonable ,but this is chase bank.
I will never use this chase bank ,and never reccomend it to my friends.they are so tricky and rob your money via all kinds of excuses!

similar experience here, used the chase united visa for several years, always paid on time. when i missed the last statement due date by 2 days (it was due on a sat!) and called in for a waiver she flatly refused to do it. citi's better at this so Im going to cancel my chase united and switch.

sucks..

I hate Chase, go figure its midnight looking for action against them. Someone must be able to do something about them... I will look into BBB

READ THIS AND BELIEVE IT : I just got stiffed the $40 late fee. Today is Friday October 31 2008. I was under the impression my due date is always the 1st of the month. I pay my balance (online) in full every month, always have. I also have paperless billing. I get an email on the 10th of the month to say my statement is available online.

Reason for the late fee - the fuckers moved the due date to October 27th and I didn't know.

ALSO, I HAVE HAD NO EMAILS OR SECURE MESSAGE CENTER MESSAGES FROM CHASE ABOUT THE CHANGE OF DUE DATE.

I have the statement-available email messages from JP Morgan Chase saved since I went paperless many months ago. I have read the emails for September 10th and October 10th again, looking for any mention of a change in the payment-due-date. Guess what? Not even a fucking hint.

In a standard form-letter reply received today via the online Secure Message Center, a Chase representative states: "We are adopting a business standard used by many card issuers in adjusting the due date for Cardmembers who have
a promotional or introductory rate on their account or pay their balance in full every month. If your new payment due date is not convenient, we would be happy to adjust your statement date to allow you to select a more convenient due date at your request. This adjustment ensures that the amount of time between the date your statement is printed and the date your payment is due is not less than 20 days. We want to assure you that this
adjustment does not affect the way finance charges are calculated on your account."

JP Morgan Chase fuckers can all rot in hell, and I'd love to take them their.