Chase Visa - My experience
AUSTIN, TEXAS -- I have never had any trouble with Chase, in fact they were very helpful when I lost my card (which the finder/thief) used! I had absolutely no trouble having my card replaced and having erroneous charges deleted while they pursued the "perp".
My positive experience may not outweigh others' issues, just wanted to add to discussion.
Generally the use of credit is much more complicated than in years past.