complaints about customers

I work for Chase Credit cards. What people comment about how Chase is ripping them off is not the entirely the whole story. Remember there are two sides to every story. Before an APR is raised due to something being reported to the credit reports, we do provide the card member a letter 60 days in advance (we are only required 45 days by law) letting the card member know the reason why we are raising the APR and they have the option to close the account down at that time to preserve the APR or except the change in terms. Most card members either choose to ignore the letter or they just forget to call and just say they never got a letter. The only time we don't send a letter is when the customer is late and that is due to the fact that is stated in the card member agreement that if a payment comes in late then we reserved the right to rise the APR. Again customers want a credit card so bad that they don't ever read the terms of agreement before signing their name. Another thing not receiving a statement, being on vacation, or someone else was to pay the bill is no excuse for not making a payment on time. We do not have to waive fees we do that as a courtesy. The last thing I have to say is when you call you credit card companies or any company you do business with NEVER treat them with disrespect by yelling at them, demanding things, or threading them! They are only there to help you. They do not make the rules. Remember the old saying "You catch more Bees with honey than you do with salt!"

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