Chase Bank Mastercards

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Run, don't walk away from this reprehensible company!
Posted by Metech00 on 08/19/2005
I've had this particular card since 1998. I ran up a large balance but was fine with it. Because my 'credit score' changed, they bumped my interest to 21%. I've carried this balance for years and never missed a payment. So I dutifully paid off my balanced and stopped using the card. My new card came and I didn't activate it in the time period so the card was cancelled. As you may know, having a long credit history with an account -- especially if all the payments are made on time, does impact your credit score. When I called and asked that they reinstate this card for that reason they said no, to reapply for a new card thus wiping all that credit history.

I would safely say that this organization consists of blood sucking leaches and I would avoid them at all costs. They have no morals and ethics and have reprehensible customer service. But, as they were fond of pointing out, they are one of the biggest banks in the world. I guess that means the individual doesn't count.

I, personally, will never do business with them again. If I am in a position to get others to avoid them, I will most certainly do that.

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Credit Cards
Posted by Grumpycpa on 02/03/2006
Chase stuck it to me. They slammed my MasterCard bill with a Payment Protector charge that I never ordered. Of course now they plan to bill me monthly for this useless plan. I guess bumping up their “fixed” rates wasn’t enough for them.

Maybe I misunderstood one of their Bombay calls. I’m pretty sure they we just going to mail me information and I could choose to enroll from that. Anyway, I know I threw it out along with all of the other credit card solicitations.

You can’t dispute the bill on-line, nor can you initiate a charge back. You have to call them during “business hours.” It’s funny how they are perfectly happy to call you during your dinner, but you have to call them when it’s convenient for them when you have a dispute.
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Posted by DebtorBasher on 2006-02-04:
Well, they can tell you to call them outside business hours, but if you want to reach them, your best choice is to call "during" business hours.
Posted by jik on 2006-08-24:
The whole "call from an incomprehensible person in India at dinner time" thing is indeed pretty darn annoying. I finally told them point blank that if they ever called me again with any telephone promotion, I'd cancel my card. They haven't called since. One cannot help but suspect that they use people with strong accents on purpose because that'll mean that more people will "agree" to enroll during the phone call without actually understanding that that's what they're doing. Furthermore, the script they use is clearly designed to make it hard to understand that they're enrolling you in a program.

The other way they get you enrolled in these programs is by sending you a check which causes you to be enrolled if you cash it. I cash these all the time, then wait a couple of weeks and call to cancel the enrolment. It's free money. Unfortunately, it doesn't always go completely smoothly. I've written more about this on my blog at http://blog.kamens.brookline.ma.us/~jik/wordpress/?p=45 .
Posted by Malikeye on 2006-09-22:
you are pretty stupid to fall for that, if you dont want the product say no, never ask for information on a product that YOU have no intention of buying. it is your own fault as to having the charges put on your account. the companies will not sympathise with you
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Canceled Card
Posted by Gbiehl on 07/15/2009
I recently returned from a local retail store empty handed due to my Chase Mastercard being denied. After calling customer service, I discovered the card had been canceled due to a high balance to credit limit ratio. I have not been behind on my payments and I pay more than the minimum. I use the card while away from home on business and carry a large balance but also pay big sums of the balance each month. I have just lost a ton of respect for this company.
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Posted by madconsumer on 2009-07-15:
best answer alley!
Posted by tnchuck100 on 2009-07-15:
How can you claim "best answer" when its the ONLY answer. Under these conditions it also the worst answer. As you say, Sheesh!

No reflection on you, AlleyS. You are absolutely right.
Posted by Anonymous on 2009-07-15:
Best answer mad! on that best answer for Alley's best answer.
Posted by bargod on 2009-07-15:
Bartender, Best answers all around!!
Posted by Anonymous on 2009-07-15:
Usually that means that you have multiple cards with balances, in other words,while they have no reason to doubt that you can pay them, they do question whether you can pay all those cards. I wouldn't take it personally.
Posted by Anonymous on 2009-07-15:
Usually that means that you have multiple cards with balances, in other words,while they have no reason to doubt that you can pay them, they do question whether you can pay all those cards. I wouldn't take it personally.
Posted by Anonymous on 2009-07-16:
The bank may be contractually correct, but that's still messed up, especially if you have made all of your payments on time. The irony is that it hurts them because they can no longer rake in interest from your high balance. If you have another card then just use that and forget about them.
Posted by TheUnemployed on 2009-07-20:
I am out of work due to the economy. I have written off six cards that will never be paid, the fees they have added are orbiting Pluto! I have told the two I plan to keep for the future when I have an income (AND I KEEP THEM PAID ON TIME WITH PERFECT HISTORY) that if they ever close the account, it will be the last $ they will ever receive from me because I will refuse to pay them and eventually they will lose it all in Bankruptcy. If they work with me, I will eventually pay them and they will be excluded from the Bankruptcy. They have so far listened to this logic. I also have told them if they reduce my credit, I will consider that the same as closing the account. When the account ceases to be useful, it will cease to be paid. So far, Discover and AT&T Universal Card have listened and they have in one way or another not only worked with me, but done things that were financially helpful to my economic situation. I would prefer not to be more specific than that in a public forum, but they have actually helped me. The UnEmployed
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Chase Mastercard
Posted by Milli on 04/19/2006
NORTH AUGUSTA, SOUTH CAROLINA -- I have had it with Chase Bank! They are as Clark Howard says "customer NO Service" and I will not deal with any company that even mentions their name. I was given a low interest rate in 2003 if I would keep the credit card open and received a letter from the V.P. stating the rate would be 5.99%. This rate continued till 2005 when I noticed my interest rate had increased on my April 2005 statement to 8.74%. In July it jumped to 9.24%. I contacted their useless customer NO service representative and was told that there was a notice sent out in February stating interest rates were going up and that I would have to close my account. I informed them that I received no such notice and asked for a copy. They were unable to send one. I was also informed that obviously my credit history had been reviewed and there was something negative showing. I pulled my credit report and there was nothing new that has not been in place since before I kept the account open. I was extremely puzzled about this whole situation. I wrote a letter to complain in Sept. but received no response. I contacted Chase again when my interest rate jumped to 28.44%. I was told in December that if I closed my account my interest would return to 12.99%. Unbelievable! I closed the account as instructed.

I have yet to see the interest rate lowered as promised. I contacted Chase again April 2006 and was told that whomever I spoke with in December had told me incorrectly and that I would not be receiving any change to my account. When I asked for a copy of the conversation transcript I was told they use them only for training. What bull! I have now written them again, but with cc's to the Comptroller of Currency, BBB, and the Attorney General's office. I am going to pay this card off and never deal with them again.

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Posted by CrazyRedHead on 2006-04-20:
How are they going to lower something that has been cancelled??
Posted by miketech on 2006-04-20:
I don't know what Chase's master plan with their almost 30% interest rate is. They did it to me about 3 years ago. It seems to be happening to more and more people.
Posted by Ponie on 2006-04-20:
Red, I think he means he canceled the card but still has a balance owing. Just my opinion. And I don't believe the baloney about not receiving the notice. Too many people just toss out what they consider 'stuffers' that come in that envelope. As far as these huge jumps in interest rates--perfectly legal. If you don't like it, just transfer the balance owed to a new card with a lower rate. But, many people make a habit of 'shopping' credit card companies for this reason and this doesn't reflect too well on their credit rating.
Posted by wary-consumer on 2006-04-21:
I agree with Ponie all the way here. Chase is perfectly within there right to raise your rate. If you didnt do anything wrong(universal default), than Chase is legally obligated to give you 15 days notice before imposing the new rate- which they probably did by disgusising it as junk mail look-a-like. They tried this on me, but I cought it and paid off my balance and cancelled my account before the outragous rate went into effect. As for Chase's master plan with the 30% APR, it's GREED!! They hope they can catch someone in a financialy vulnerable situation who can't make a large payment or balance tranfer- Preying on the vulnerable-SHAME ON YOU CHASE!!!!
Posted by alfaqual on 2006-05-16:
With regard to Ponie's comment. I received a letter that looked like it was a one page document with all sorts of advertising on it--talking about their rewards program for my card. I almost tossed it. It looked just like the random junk mail. But for some reason I scanned it and when I turned over the page there was some print stating that my rate was going to increase from an APR of 7.99% on purchases to 19% unless I sent a letter rejecting the changes. I sent the letter and they closed the account. I saved the document in my files and warned my husband not to throw anything out without letting me quickly review it. It is definitely intentional. I am preparing a file to send to the Office of the Comptroller (not that they will do anything about it). I HATE CHASE!!

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Chase Is A Ripoff!
Posted by Doublea on 01/01/2006
OKLAHOMA -- After a couple of years of having the Chase Mastercard and paying like clockwork, the interest rate went mysteriously from 9.9% to 29.74%. They say there were derogatory marks on a credit report but all the credit reports that I saw were very good and had not changed since the card was new.

Don't bother calling customer service as you will get nowhere. Does anyone know if any legal action is being taken about these predatory practices?
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Posted by wary-consumer on 2006-01-01:
It is disgusting that they can change terms of a loan midstream. Unfortunately they are perfectly justified and within their legal rights to do this for whatever reason they feel since it is an unsecured loan (no collateral like a car or home). They usually say there are negative items in your credit report as a standard excuse. This is a subjective judgment and has no real criteria in deciding someone is now a higher credit risk as it is an internal company secret (or so they claim). I think they do this just when someone piles up a large balance and they think they can’t transfer to another card or get a home equity loan to pay their balance of when the interest rate skyrockets- In other words prey on the financially strapped. You see, they have all of this info on you, how much you make, and what your other monthly financial obligations are within your credit report. This is called your Debt-to-Income Ratio, which you should keep under 20% to be considered a good credit risk. Anything over 36% is considered impending financial disaster and usually results to outrageous APRs like the one you are experiencing from Chase. There is another ratio that you should try to keep low, and that is your Revolving Credit ratio. That is the amount owed on the credit/ charge accounts to you credit limits. You should keep this below 30%. In other words if you credit limit is $1000, only carry a balance of $300. Anything over 30% is considered over-extended and immature use of unsecured credit. The most important thing to do, however, is PAY YOUR BILLS ON TIME!!! If you have a late payment with any of your creditors this will be recorded on your credit report and once the credit card companies find out they will invoke the “universal default” clause of you card member agreement and charge you upwards of 30% APR indefinitely. And one more thing you should be aware of as on Jan 1st 2006, the Federal Office of the Currency Comptroller is enforcing a rule that minimum payments on certain credit card accounts be raised from 2% to 4% of the balance. They claim it will help people get out of debt…HA!!.......What a joke!!! It will force people on a limited income to default, and be charged 30% APRs (not to mention $39 late fees), as they will no longer be able to afford their now doubled monthly minimum payments!
Posted by miketech on 2006-01-02:
Yeah Chase is one of the worst in my opinion. I wish I had known how terrible these credit cards would be. I wouldn't suggest one for anyone. I told my kids if they ever got a credit card I'd beat them.
Posted by got screwed by chase on 2006-01-13:
There is a class action lawsuit being considered - please see (raphaell's post under Lawyer Contact Info dated 5/16)- The lawyer also indicated that they are looking into an additional claim against Chase - let's help the cause - I contacted the Lawyer, Michael and he is extremely helpful and will email you ... hope this helps you!
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$39 Late Fee
Posted by Hoobab on 05/14/2005
DAYTON, OHIO -- These people are something else! I opened my account in 12/04, paid all of my payments ontime (as with ALL of my credit cards). I always make them early too. My due date was 4/03/05, and I completely forgot this account for some reason, so I made a payment right away, and it posted on 4/06/05. My bill closing date was on 4/07/05. With most credit card companies, that payment would not have been considered late, however, since Chase is a giant anus, they charged me $39 late fee on 4/08/05, 2 days AFTER my payment was posted.

I called, and they refused to credit the fee. Later, after reviewing my bill online, and noticing the closing date, and that I had paid before then, I emailed Chase. The email that was sent back was completely pointless. It read back some information on my account such as balance and payment due date, and had nothing to do with my question on the email. They don't even read customer emails, as it became apparent over my next 9 emails, trying to get them to actually read my email rather than responding with everything that doesn't apply to my question. Finally, the last email I received was from someone who said that I was emailing the wrong department. Really? I emailed from my account homepage, not my problem he wasn't the person to answer it. I told them this, and to forward it to the people in charge of that department, and like a moron they are, they did nothing.

I finally sent a letter in the mail, requesting the fee be credited. I explained that I was a former customer service rep for a major creditor, and I dealt with requests for late fee credits all the time. I explained that it was our company police to go ahead an waive the customer's late fee, provided that it was their first time late, and that they were aware that future late fees would not be credited. I received a letter back today from J. Fernandes stating that they understand that sometimes customers make late payments for various reasons... and goes on to say that unfortunately, they are unable to credit my late fee at this time. They understand, but they cannot credit, interesting. This company is all about the money!

So, I finally files a complaint online with the BBB. I do feel better about that. Those incompetent, soulless drones at Chase do not have 1 ounce of customer service skills, because if they did, they would have credit my account the fee in question, instead of losing me as a customer for life over a $39 one-time profit. It makes more sense to develop a long-lasting business relationship with customers, rather than pissing them off, sending them to competitors.

I truly hope Chase looses so many customers, they are forced out of the business. No company that treats me like that will keep my business. My sister received an offer in the mail from Chase, and after telling her the story, she ripped it up and threw it away. Ha! They lost another customer!!

As a footnote, they raised my interest rates from 12.99% to 20.49%, go Chase!
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Sears Master Card
Posted by SandiP on 04/10/2010
I have tried in vain to reach a mutually agreeable resolution to the fraud activity on my Sears master Card account. I had approximately $2,300 of fraudulent charges - primarily cash advances. The Fraud Department insisted that the withdrawals were made by someone I knew. Since the card was in my possession I found this impossible to believe. It was a long and frustrating negotiation with Sears MC. At no time was their Fraud department able to prove to me that the fraud charges were made by someone they claimed I knew.

I wrote on several occasions, phone numerous times and the final call, I was told my fraud claim had been closed. Everything took forever and I had been told videos were requested. My last call was to, yet again, ask what was happening with this request. Over a year wasted and I was not reimbursed for any of these fraudulent charges. I think we all know the sophistication of credit card theft, and have all heard the incredible police busts made on card hackers. But my pleas fell on deaf ears.

I am offended and insulted at the treatment I received. I do not feel my request was treated with the dignity it deserved. I do not feel fairly and honorably compensated.

As a result I am ending my financial relationship with Chase and Sears Master Card.

I have however paid for over $2,000 in fraudulent charges as I want to keep my credit rating in good standing. But now I am DONE. My account is paid out. And I want everyone to hear my story and I hope as one single consumer I might have some influence on others.

*Please note I did do due diligence: I did file a police report but nothing came of that. I chose not to hire a lawyer due to the emotional stress.
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Posted by bcd on 2010-04-10:
Did you file a police report?
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Posted by Tina77 on 09/10/2009
Continental/Chase MasterCard offered a reward program to its members that ended 5/31/09 wherein if you reached any of the 3 milestones, you would receive bonus travel miles as well as a voucher of some sort, highest milestone being the reward of a companion airline ticket. I met the milestone for the companion ticket, which I intended to use for my honeymoon in November 2009, only to receive the voucher which required travel to be completed by 07/31/09. It also required a 14-day advance ticketing, therefore leaving a cardmember with maybe a month or so to plan, use & benefit from the free flight. Such a SHORT deadline to benefit from this reward should have been disclosed to members in the promotional fliers & prior to enrolling in this promotion where they would intentionally opt to make purchases (up to $4,000.00 over a 3 month period) to their Chase card (over other possible c/card reward programs) to only come out receiving nothing but a useless reward. Not everyone can just easily pick up and fly out of town in such a short window of time!! I feel victimized because I chose to use my Chase MasterCard, and pay Chase's higher interest rate, over my other cards in order to obtain this benefit and now all I have is an expired voucher, higher interest rate payments, and must find another way to cover for the cost of the additional airline ticket for my honeymoon. If Chase's customer service is reading this complaint, I ask that they please re-activate my voucher. Otherwise this Chase reward promotion was nothing more than a scam.

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Posted by tnchuck100 on 2009-09-11:
"Not everyone can just easily pick up and fly out of town in such a short window of time!!"

That is the very type of thing they are counting on in these "come on sucker" promotions. Promise as much as possible...do not disclose the 'gotcha'....deliver as little as possible.
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Chase more than doubles my minimum payment
Posted by Pissed NEW ATT customer on 09/04/2009
P.O. BOX 15298, WILMINGTON, DELAWARE -- I have great credit and have always paid my bills on time including my Chase MasterCard. Because of a job loss I was forced to run up my MC to $15,000 and was able to make the $310.00 min. payment on a promotional 5.99 rate that was supposed to last until I paid the card off. The min. payment was based on 2% of the card balance. Well, Chase did a switcharoo recently and raised my min to 5% of the card balance raising my min payment to $764.00! This is an increase of $454.00 a month! I am now in the position of not being able to pay this and my credit being destroyed! These big banks are unbelievably unethical. My advise is only bank with credit unions and other smaller lenders. Beware!
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Posted by clutzycook on 2009-09-04:
Have you contacted Chase and explained the situation to them? I know these banks aren't exactly known for having a heart, but sometimes they'll work with customers to make payment arrangements. At least they'll get most of their money rather than being stiffed for the entire amount due to a default.
Posted by saj80 on 2009-09-04:
Don't blame the bank; recent government regulatory changes have mandated that credit card companies adjust their minimum payment amounts to reflect a "more" realistic repayment period. This new piece of regulation is going to push many more over the edge, financially.
Posted by madconsumer on 2009-09-04:
the days of living on credit cards are long gone.
Posted by JR in Orlando on 2009-09-04:
saj80: Exactly right. Banks would love people with good credit keeping money longer, because even 3.99% is more than short term government bonds.

Also, before banks applied payments to low interest parts first, thus resulting in high interest loans being paid last,e.g. $5,000 of 3.99% and $3,000 of purchases at 14%. Before, you paid the entire 3.99% off, before any part of the $3,000 would be paid. Thus while you are paying off the $5,000 at 3.99%, the 14% part would be racking up interest. Now the government is making some or all of the payment also apply to the high interest part. Banks want to get rid of these 3.99% loans.

Posted by Anonymous on 2009-09-04:
"I am now in the position of not being able to pay this and my credit being destroyed!"

Maxing out your credit card has already put a major ding on your credit score. As well as you debt to income ratio.

Your credit probably isn't as good as you think and not due to Chase.
Posted by Anonymous on 2009-09-04:
This is a result of the Congress' effort to 'help' consumers by getting them out of debt faster, with higher payments. See what happens when a bunch of multimillionaire attorneys step in to run things?
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Chase just lost another customer for life-My letter to them
Posted by Hunted4247 on 08/30/2009
I had been a Platinum Checking customer of WAMU for 10 years prior to your aquisition on both personal and business banking. I also had 2 credit cards that I have always used responsibly. I never went over my limit, always paid early, and always paid many times the minimum due. I have a credit score of 700, I haven't had a late payment on ANYTHING in years, I make well in excess of $100K. I have worked very hard to get and keep my credit and finances in good standing. In a time when a large segment of our society(Including a very large portion of your industry)is standing in line at the trough to get a handout, I do things the right and responsible way.

Imagine my surprise to learn that both of my credit cards with your company had been closed. I was never notified by mail (which is what I was told on the telephone by your CSA). I never was notified by phone, email, or message online. As a matter of fact, when accessing my accounts (even today) online to make payments it still shows them active with their available credit on each. There is no note or mention that the accounts are closed. Because I do all of my banking online that was the only way I would know about your decision without direct communication. It makes it all the more insulting that your company never had the decency or courtesy to contact me personally.

These are troubling times for many people. I am working very hard to keep building a small business in this economy. But these times will not be forever and what will remain is the memory of how companies we do business with treated us in this time.

The $13,000 credit line that I had with your company provided a little breathing room and life preserver. I didn't use it much but it was nice to know it was there.

It is with little regret that I will be closing the remainder of my accounts with your bank. I also never intend to do business with you or any subsidiary of your bank or investment firms. I will be sending this information out to everyone that I know and anyone else that will listen.

I know that this means nothing to a big strong bank like CHASE but I hope that when enough of your "customers" get tired of being treated like neccesary burdens you may be the next ones looking for a handout.

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Posted by old fart on 2009-08-30:
Hunted... I hope you don't think that Chase gives a rat's rear about any individual account...
I can guarantee you not!
Posted by Anonymous on 2009-08-30:
The only bad thing with these posts that declare that banks have lost a customer is this: All the disgruntled Chase customers are going to go to Bank of America, and BofA's customers are all going to go to Chase. Everyone will think the other will treat them better. Not going to happen!
Posted by BokiBean on 2009-08-30:
Hahahahaha just!!!!

Maybe some of them will run right into some of the others and "bank gossip" a little...
Posted by saucy_grrl on 2009-09-06:
I also had the same experience with Chase after paying off my account to a zero balance, and I owe not a penny to any creditor. When I relocated to another state and was hunting for a new bank the most convenient one was a Chase Bank but I will drive farther just to avoid giving them a single dollar.
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