Chase Credit Card Tips
Author: diddlydudette
Posted: Sun Oct 09, 2005 7:13 am
Post subject: Me again....reading more fine print with Chase. Admin. fees
Does this hold true for most other credit cards?
I was cleaning out my desk drawers and found Rates and Fee Table that came with my Chase card.
I scanned it and saw at bottom:
Administative Fees: Copy of Billing Statement or other record - $5.00
They were going to charge 5.00 to mail me a statement? Glad I saw that and changed my preferences to online statement only. They sure do put things in small print and not so 'Screaming at You' online where we would be more apt to catch it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: CreditCardGuru
Posted: Sun Oct 09, 2005 7:27 am
Post subject: Chase Credit Card Tips
Not really with just Chase, LOL. Look at it this way, the Cardholder Agreement is the Bible for credit cards, LOL.
Author: diddlydudette
Posted: Sun Oct 09, 2005 7:36 am
Post subject:
CCG, This is really becoming exhausting trying to catch everything they might try and charge me for.
Can you think of anything I might have missed that they might charge for? Will they charge me to check my statement online? What if I pay my bill online? Is there a fee? What if I send in a check? Will they charge me 10.00 or some amnt to process my check? What if I ask a question via their site, are they charging me? Can I call them with a question, or am I getting charged by the minute to be on hold?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: CreditCardGuru
Posted: Sun Oct 09, 2005 7:42 am
Post subject: Chase Credit Card Tips
Phone support is always free, if you want to know of a bank that charges for that, WACHOVIA DOES, Wachovia will nickel and dime a poor man to death. Only allowed 2 calls per month to Wackovia or they will charge $2 per extra call. And Wachovia is full of crooks too!!! But as for online statement, no fees, and online payment is no fees unless its overnighted, which is stupid to wait til the last minute anyways, and also for future reference, if your payment date falls on a weekend or holiday pay it at least the business day before. Oh, yes, I read my credit card Bibles, LOL. And other than that I can easily waste my time talking to CSR's asking about all the terms and stuff. But Chase is pretty nice and upfront about their fees, some banks aren't, hint hint, WACKOVIA!!!
Author: JaneiR36
Posted: Sun Oct 09, 2005 7:59 am
Post subject:
I call Wachovia all the time and haven't seen a $2 charge yet. Maybe I have been lucky and timed the calls right? I also saw someone on another group counter this point and say she's never gotten charged for it. They did send something in the mail to me, though. This was a few years back, they said they would charge the $5 for more than two TELLER transactions per month. ATMs, direct deposit, online banking, etc are free so they must have been wanting to limit people coming into the bank (more expensive for them, obviously), to do transactions you can do elsewhere.
Hey, dudette, please go back to your paper statement if you want. The $5 for COPY of statement means if you lose your statement and you'd like an exact copy, they would charge you $5 for it. MBNA charges like $1.50 or $2.50 last I checked. There is always a fee for this service. Your regular statement, however, should not cost a dime.
I've never responded to those ads to switch over to paper-free statements, because a) the company should not be so damn lazy or desperate to save money that they can't send me a paper statement. b) my email expires after a while. When the server deletes the old mail, then what? c) I don't know if the "real" online statements contain everything, because even though I check my accounts online like a maniac, when the bill comes in the mail is when I go digging and a lot of times stumble on some good stuff. I think you should keep both the paper statement and the online statement!!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Sun Oct 09, 2005 7:13 am
Post subject: Me again....reading more fine print with Chase. Admin. fees
Does this hold true for most other credit cards?
I was cleaning out my desk drawers and found Rates and Fee Table that came with my Chase card.
I scanned it and saw at bottom:
Administative Fees: Copy of Billing Statement or other record - $5.00
They were going to charge 5.00 to mail me a statement? Glad I saw that and changed my preferences to online statement only. They sure do put things in small print and not so 'Screaming at You' online where we would be more apt to catch it.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: CreditCardGuru
Posted: Sun Oct 09, 2005 7:27 am
Post subject: Chase Credit Card Tips
Not really with just Chase, LOL. Look at it this way, the Cardholder Agreement is the Bible for credit cards, LOL.
Author: diddlydudette
Posted: Sun Oct 09, 2005 7:36 am
Post subject:
CCG, This is really becoming exhausting trying to catch everything they might try and charge me for.
Can you think of anything I might have missed that they might charge for? Will they charge me to check my statement online? What if I pay my bill online? Is there a fee? What if I send in a check? Will they charge me 10.00 or some amnt to process my check? What if I ask a question via their site, are they charging me? Can I call them with a question, or am I getting charged by the minute to be on hold?
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: CreditCardGuru
Posted: Sun Oct 09, 2005 7:42 am
Post subject: Chase Credit Card Tips
Phone support is always free, if you want to know of a bank that charges for that, WACHOVIA DOES, Wachovia will nickel and dime a poor man to death. Only allowed 2 calls per month to Wackovia or they will charge $2 per extra call. And Wachovia is full of crooks too!!! But as for online statement, no fees, and online payment is no fees unless its overnighted, which is stupid to wait til the last minute anyways, and also for future reference, if your payment date falls on a weekend or holiday pay it at least the business day before. Oh, yes, I read my credit card Bibles, LOL. And other than that I can easily waste my time talking to CSR's asking about all the terms and stuff. But Chase is pretty nice and upfront about their fees, some banks aren't, hint hint, WACKOVIA!!!
Author: JaneiR36
Posted: Sun Oct 09, 2005 7:59 am
Post subject:
I call Wachovia all the time and haven't seen a $2 charge yet. Maybe I have been lucky and timed the calls right? I also saw someone on another group counter this point and say she's never gotten charged for it. They did send something in the mail to me, though. This was a few years back, they said they would charge the $5 for more than two TELLER transactions per month. ATMs, direct deposit, online banking, etc are free so they must have been wanting to limit people coming into the bank (more expensive for them, obviously), to do transactions you can do elsewhere.
Hey, dudette, please go back to your paper statement if you want. The $5 for COPY of statement means if you lose your statement and you'd like an exact copy, they would charge you $5 for it. MBNA charges like $1.50 or $2.50 last I checked. There is always a fee for this service. Your regular statement, however, should not cost a dime.
I've never responded to those ads to switch over to paper-free statements, because a) the company should not be so damn lazy or desperate to save money that they can't send me a paper statement. b) my email expires after a while. When the server deletes the old mail, then what? c) I don't know if the "real" online statements contain everything, because even though I check my accounts online like a maniac, when the bill comes in the mail is when I go digging and a lot of times stumble on some good stuff. I think you should keep both the paper statement and the online statement!!!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 3:58 PM
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