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WARNING DO NOT open Amazon Chase Account!!!!!!!!!


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Initial post: Apr 14, 2010 7:38:06 AM PDT
Loves Books says:
I opened an Amazon Visa through Chase. It is a huge scam. I have had credit cards for 30 years, never once a late charge, anything. On this card, I had a less than $500 balance. I mailed the payment 9 days before due date. The due date happened to be Sunday. Chase posted my payment on Monday, but said it was late. Charged $49 late fee, and $8 interest fee for two months, even though I paid in full. There are much better credit card companies out there. BEWARE!

Posted on Apr 14, 2010 7:41:42 AM PDT
I agree. I love amazon, but I signed up for the amazon visa through chase because I thought I was getting 24 month-same-as-cash financing on a samsung tv (it was heavily advertised). Found out later that's not really the case. The whole thing is a big scam. I have to write a complaint to amazon now. I'm just going to pay off the balance for the Chase Visa and close the account. What a scam. I'm VERY surprised amazon would be involved in something like this. Yea, agree with you completely. Don't sign up for this card.

Posted on Apr 14, 2010 7:43:33 AM PDT
I love my Amazon Chase credit card. I earned my Kindle thru their awards program. I pay the balance off online each month and have never had a late fee or an interest charge. I guess you should be yelling about the mail service if it took 9 days for your letter to arrive.

Posted on Apr 14, 2010 7:45:19 AM PDT
I must say I have not had a problem with my Chase Amazon card. However I do schedule my payments online on paydays. However I would like to hear more about your experience Isaac as I am currently in the market to buy a Samsung TV and possibly through Amazon.

Posted on Apr 14, 2010 7:48:06 AM PDT
TheSeeker523 says:
I can't speak about the Amazon Chase card specifically, but I can speak to issues with Chase. I've had repeated issues with them as long as I was a customer there (about two years) until I finally found a bank that wasn't complete scum (HSBC for those who are interested).

I've had several offer for Chase backed credit cards over the years and have declined every single one simply due to the fact that I refuse to ever give them another penny.

Posted on Apr 14, 2010 7:48:35 AM PDT
VMan says:
Agree.
Banks are out to rip you off. No more cust serv.
They make, and lose on big bets and now they want to/need to rip the little guys off.
I never missed a payment, but last month I transposed the online payment - for example, I paid $345 instead of $435, and I made up the diff before the closing date, but missed the due date by two days - they won't waive the interest ~$15 because of all the charges....Closing out of my Chase accounts soon.
Yeah, I know, I shoulda paid by the due date, but hey, didn't we bail them out? How about a random act of kindness in return? Where is the love - it ain't at Chase.

Posted on Apr 14, 2010 7:50:03 AM PDT
SpeedoNJ says:
I feel much more comfortable paying credit cards online. It's very easy for ANY credit card company to claim a mailed payment is late, and it is usually due to their own slow (on purpose) processing.

In reply to an earlier post on Apr 14, 2010 7:50:52 AM PDT
My samsung LED 40" tv rocks and I am very happy with it. I have to check into what happened with the Chase card though. Basically, they had a deal on this samsung tv and some other models that if you signed up for the chase card and used it to buy the tv, you would get 24 month financing with 0% interest. I signed up for the card and used it to buy the tv, but didn't recieve any sort of notice that I got the "special financing". I called the customer support after being shuttled between amazon customer support and chase support, and finally a chase person assured me that I would get the "special financing" and I would get confirmation of it after everything posted (or something like that). I never got any confirmation of it and now my first statement just shows that I have to make the minimum payment and I assume interest will accrue on the balance. Which means I have to deal with customer support once again and find out what's going on. I think I'll just pay it off rather than hassle with it. It seems like a scam to me though. I just want to close it up and stick with my GM card that I've used for years. VERY happy with the tv itself though.

Posted on Apr 14, 2010 7:52:48 AM PDT
Last edited by the author on Apr 14, 2010 7:53:01 AM PDT
many credit cards have due dates on weekends. I READ my bill and MAKE SURE that I pay on the weekday prior to the due date. Heck even my power and phone companies do this.

Posted on Apr 14, 2010 7:53:33 AM PDT
Loves Books says:
Kno,
I find it very suspcious that the due date for my payment was on Sunday, and the payment was recorded on Monday morning. When I called Chase, they told me that it didn't matter that my due date was on Sunday, that if the payment isn't in the office by Friday, the late fee PLUS two months interest are charged. I was kind when I called Chase, but the lady that I talked to was exceedingly rude. I will never do business with Chase again.

Isaac,
I, likewise, am a loyal Amazon customer. I'm surprised Amazon, with their exceptional customer service, would partner with a company with shoddy, non-existent customer service.

In reply to an earlier post on Apr 14, 2010 7:55:15 AM PDT
[Deleted by Amazon on Jan 24, 2011 5:00:31 PM PST]

Posted on Apr 14, 2010 7:57:30 AM PDT
I haven't had any issues with the card. Who still "mails" their cc payment, srsly, its the internets.

In reply to an earlier post on Apr 14, 2010 7:57:49 AM PDT
BMC in PHX says:
Who mails credit card payments anymore? To avoid future problems consider paying your Chase bill directly on their website, or through your bank's online bill pay. If an issue does arise, you then have a representative of your bank to represent you and your payment.

In reply to an earlier post on Apr 14, 2010 7:58:27 AM PDT
Last edited by the author on Apr 14, 2010 8:05:52 AM PDT
It posts within a few hours when I pay online. On their site, it states that payments made before 5:00 pm eastern time will post same day for weekday payments.

The only dealings I've had with their customer service is when my card was being used fradulently. They telephoned me with a warning, removed the fraudulent charges on my word, and overnighted new cards to me. No complaints here.

When I had fradulent charges on my Capital One card, I had to fill out paper work before the charges were removed and it took two weeks to get new cards.

Guess which card I use most often now? Amazon Chase.

Posted on Apr 14, 2010 8:01:46 AM PDT
Loves Books says:
I do most of my banking online -- with companies I trust.

It seems very "convenient" that a payment due on Sunday, arrived on Monday morning, and was posted by Chase on Monday around 9:00 a.m. (checked with my bank, they received notice of withdraw on Monday at 9:12 a.m.). Voila! Chase "earns" an extra $64. SCAM!

In reply to an earlier post on Apr 14, 2010 8:02:25 AM PDT
Loves Books, I understand you are upset about this, but it isn't just Chase. Lots of banks do this. We had a late fee once (and I do mean once) because we hadn't received the bill. Not Chase - another bank. We called them and they said not their fault if we don't get the bill on time. It's tough to argue with that because sometimes the post office does lose/delay items. So we pay online now. That was several years ago, but in the past year or so, we noticed our due dates on many bills fall almost immediately after we receive them. Even utility companies do this.

It didn't used to be this way. It used to be when you received a bill in the mail, payment wouldn't be due for two or three weeks. Those days are over now. You have to track everything yourself, not just to keep from getting hit with fees, but to ensure your credit rating doesn't take a hit.

Posted on Apr 14, 2010 8:06:27 AM PDT
Pen Name says:
I've had my card for over a year and never had a problem. I pay online straight from my bank account, usually posts in one business day. Still havent cashed in any of my points. Seems more of a PO issue.

Posted on Apr 14, 2010 8:07:13 AM PDT
Turbobuick86 says:
I've never loathed a company like I loathe Chase Bank. I will spare the details as I've posted some of them here before.

http://www.chase-sucks.com/

Posted on Apr 14, 2010 8:07:24 AM PDT
Loves Books says:
Kno,
Good for you that you haven't had any problems. Others of us have. I believe it is worth a caution. I, likewise, have had not a single problem with a USAA card, which I've had for 30 years, and a Capital One card, which I've had for five years, among others. We had our credit card number stolen, and USAA took care of it with no charge to us, and with minimal contact. Since I've experienced 30 years problem free with other credit cards, but in only 2 months, I've had two separate problems with Amazon Visa, I felt I should warn others. They may use the information however they see fit.

Posted on Apr 14, 2010 8:16:34 AM PDT
What was the other problem?

Posted on Apr 14, 2010 8:17:29 AM PDT
Last edited by the author on Apr 14, 2010 8:40:30 AM PDT
T. Tom says:
Chase has never had good customer service and also if you are going to get a rebate card, it should be cash back and not tied to a particular merchant. You have a lot more flexibility that way.

I like the AMEX Blue Cash card myself.

Posted on Apr 14, 2010 8:20:43 AM PDT
Last edited by the author on Apr 14, 2010 8:22:37 AM PDT
I've had an Amazon Chase card for over 2 years now with no problems. In fact I've been upgraded twice now, once when I asked them to upgrade me to the new Amazon rewards card and just recently to the Signature Visa card w/o me asking them. So for me, personally, I have no problems with Chase. Of course everyone is different and has different experiences. Pick just about any bank and you find people complaining about bad experiences they have had with them and how evil they are. Be it Chase, BoA, HSBC, Capital One, etc. About the only ones that don't get complaints about them are small local banks and credit unions.

As for the exact complaints being made here... I question the issue raised due to the simple fact that it violates the new Credit Card laws. Due dates are no longer allowed (since Feb 22) to fall on a non-business day (weekends/holidays) and any CC company that sets a due date on a non-business day is not legally allowed to charge a late fee if it is received on the next business day. Also, the late payment fee per the cardmember agreement is => $15.00 if the balance is less than $100.00; $29.00 if the balance is $100.00 or more, but less than $250.00; and $39.00 if the balance is $250.00 or more. I've also taken a look at some of their other cardmember agreements (Chase has a number of different branded cards) and they all had the same max $39 late payment fee. Not saying it didn't happen... just that it doesn't match up with the law or the cardmember agreements.

Specific part of the law regarding due dates:
SEC. 106. RULES REGARDING PERIODIC STATEMENTS.

(a) IN GENERAL.-Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended by adding at the end the following:

``(o) DUE DATES FOR CREDIT CARD ACCOUNTS.-
``(1) IN GENERAL.-The payment due date for a credit card account under an open end consumer credit plan shall be the same day each month.

``(2) WEEKEND OR HOLIDAY DUE DATES.-If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail (including weekends and holidays), the creditor may not treat a payment received on the next business day as late for any purpose.''.

Posted on Apr 14, 2010 8:23:59 AM PDT
I've had my Amazon Chase card for about a year now, and love it. I pay the bill online and have never had any charges or interest fees. I've earned hundreds of dollars on their reward program. They're basically paying me to use their card, and as I pay off the balance each month, it doesn't cost me a thing.

Posted on Apr 14, 2010 8:26:43 AM PDT
C says:
Love, sorry, but you're just silly. You sound as if you feel the world is out to get you. You trusted the post office with your check more than you trusted a large, well-known bank with its online payment system. Next time, just pay your bill online or over the phone. The boogeyman won't steal your identity. I promise.

Posted on Apr 14, 2010 8:28:58 AM PDT
Vavalagi says:
For those who are reluctant to use on-line banking, why not just write a check and walk it into a Chase branch?
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Discussion in:  Gold Box forum
Participants:  377
Total posts:  571
Initial post:  Apr 14, 2010
Latest post:  24 days ago

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