Chase Chase Manhattan Bank ripoff Charges $14.95 fee to make a credit card payment via the internet or by phone if you want it credited same day or next day Nationwide

I think that it is safe to assume that you might have recieved your statement at least 10 working days before the payment was due, and I was wondering why you waited till it was due to make it. Escecially since the amount was $11.44. I do agree that the amount of $14.95 is a little much for a $11.44 balance, but you made a mistake and waited till the last moment to make it. And you have to pay for the convience of doing it on-line or over the phone. Would you be making a fuss if the amount owed was $1144.00? EVERYBODY has to pay for the little conviences in life. Did you ever wonder why gas prices are always higher at the busy intersections, or just off the interstate? For the convience of it. Or why 1 gallon of milk is less that 2 half gallons? Convience. I think next time you recieve a bill you won't wait till it is almost due to make it. Have a pleasent '05.

They merged this fall. The new company seems to be picking the most consumer-unfriendly terms of both to use. But it has always cost to have Chase take an online payment for the next day. Instead, I use the bill pay from my bank. You do have to plan ahead since that takes two days for no particular reason. It is a good idea to pay the minimum payment as early as possible. Then pay more to pay off the balance later when you have it. If you are late with that payment, you won't incur a late charge or damage to your credit rating. Of course you will "fall from grace" and have to pay interest.

The new Chase now has "two cycle billing." The best I understand it that means that if you switch from paying in full to carrying a balance, they will also apply interest from the month before last, which was previously forgiven. Chase, especially the new Chase, is not for those who are going to have a long-term debt commitment. Always be ready to pay in full so you can get out. This is really true of any card. As soon as they see you aren't able to vote with your feet, they will nail you.

I have a Chase card and always pay it in full. Once I was two days late because I was confused about the due date. They did forgive the late charge after I asked them to. I'm not sure if the new Chase would do that.

So scratch Bank One off the list of recommended cards as well, they're the same as Chase. Capital One and Discover have always been in a different league (bush) than the prime banks. Don't get a Capital One card, especially if you're qualified for MBNA, Citi, BoA or even Chase.