I carry 2 Chase Cards, a Visa $25K I use regularly for Internet and Emergency purposes and a MasterCard $15K that I keep open just for credit rating enhancement. The MC only had their "Fraud Alert" charges hitting it as I don't charge anything on it otherwise. Both have been kept scrupulously paid up on time. An out of state trip recently kept me from noticing the MC fraud charge was overdue and I paid it immediately upon returning. Chase just penalized me for failing to pay on time THEIR charge of less than $8.00 on time". My credit rating has been excellent +++++/. I use my PC regularly to check on all my checking and credit accounts?. Chase enticed me to use their "Fraud Alert" service after a very suspicious attempt they alerted me to involving my Visa card which very well could have only been THEM using a phony story in order to sell me on letting them add the Fraud Alert to my cards". I immediately had them drop that service as I will NOT keep rewarding Chase for skimming $8 roughly off monthly from my MC when they are going to turn around and run my interest rate up so high I'd be a fool to actually charge any major purchase on it/. The interest on the MC is over 2X that of my Visa from the same company'. That makes no sense whatsoever except that they want me to drop that MC/. I won't do it to spite them now:.
We charge a small service charge to your card, hoping one time you miss paying the 'peanuts' charge one month so we can run up your interest and damage your credit in the process ? Scum Bags !!!!!!
1284fd8
We charge a small service charge to your card, hoping one time you miss paying the 'peanuts' charge one month so we can run up your interest and damage your credit in the process ? Scum Bags !!!!!!
1284fd8
 Comments (3) |
| 1. Written by RMD on January 27, 2012 from silver spring, maryland, US That's actually not entirely true. I have a Chase card and I was 2 days late paying my bill and they reported me to the credit bureaus. Of course when I spoke to CS there was nothing they could do about it. And yes I am one of those responsible card holders who are rarely late on payments, such as the Chase account. I also HATE Chase bank! |
| 2. Written by not reported to credit burea on April 18, 2011 from richmond hill, georgia, US Actually, you must be 30-days past due before anything gets reported to the credit score company, so if you have missed your payment by Chase's deadline by a week or so, yes you have to pay the late payment/charges, BUT nothing was reported to the credit score company to damage your credit score. Like I said, they only post when you are 30days, 60 days, 90 days.. Hope this helps ease the pain  |
| 3. Written by Beaux Zeaux on March 20, 2011 from richmond, virginia, US I've been a long time Chase TravelPlus Visa card holder (~20+ yrs.) I accepted the offer for "Fraud Alert" a couple of yrs. ago, but when the pkg. arrived & I realized how much personal data on my other credit cards, etc. I'd be providing to them, it made me uncomfortable. My concerns of potential data breaches on their end could leave me in an even less secure state than without it. So I cancelled/opted out of Fraud Alert & never returned any of my sensitive data. I'm real glad I did because I've already got enough issues with them over their denial to credit fraudulent charges to my account. I intend to file my complaints with the FTC shortly & would like to find a class action suit against Chase to join concerning their failure to address my issues fairly. I've begun to wonder if they are treating customers with complaints unfairly since they instituted "arbitration clauses" into their Cardmember Agreements. Not to mention that the 2 businesses I have my fraudulent charge complaints on are some of the largest international merchants that Chase processes payments for! Might I suggest, there is a serious conflict of interest potential going on here folks!!! By the way, was your Fraud Alert program administered by Chase Visa servicing or through a 3rd party vendor? You know there's always the chance they'll spin off services (like they did with our TravelPlus program admin. to 2 different 3rd party subs. in the last 10+ yrs.) and then Chase Visa says they no longer have any responsibility for problems/complaints you may have with those 3rd party outsourcers. It's really scummy, but quite the norm now days I believe |
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