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Posted: Wed May 14, 2008 9:13 am Subject: Help with Chase Credit Card Company

I am at a loss on what to do with my chase credit card. I recently got behind on it when they added 400+ in accumulated finance charges. I have called and tried and tried to work something out but they seem unrelenting. Every month they are adding over 300 onto my account with different fees and interest. I don't know how to put a stop to this. I can never get ahead on this account with all the insane fees they keep charging me. Everytime I make a payment I turn around and look and more fees have just gobbled that payment up. I'm at a total loss on what to do. Up until the accumulated finance charges attacking my account it was always current and I had never had any interest and these people just seem unwilling to help at all. Does anyone have any advice on how I can deal with them. It makes me so mad when I make payments to only see them add double that in fees to my account. Any suggestions will would be greatly appreciated.

Thanks,
Johnita

Posted: Wed May 14, 2008 9:31 am Subject:

johnita, have you tried calling customer service and asking for a supervisor? Explain to them that you have been a good customer up until now, and are asking them to waive the fees. Some companies will do this once a year, and especially if you have always been a good customer.

Posted: Wed May 14, 2008 9:51 am Subject:

Also, sometimes if you get behaind, you can call them and see if you can get on their hardship program and stop or lower the interest so you can get it paid.

I had a couple of ones that did this for me, just don't be late on your payment or they will drop you from the program.

Good Luck..karen Very Happy

Posted: Wed May 14, 2008 10:01 am Subject:

Ok what does the hardship program do. Will it stop the fees because right now with all they've added it says my MIN payment is over 1,000.00. There is no way possible I could pay that. Would the hardship program at least lower my payment to something that is manageable. I really want to pay them but there is no possible way I can make a min payment of over 1k it's just not possible at all.

Thanks,
Johnita

Posted: Wed May 14, 2008 10:04 am Subject:

All it involved was asking them for it. They dropped my interest so I could pay it off. I told them I wanted to pay this off, but because of the fees, couldn't. They set up a reasonable payment plan, and I was sure to pay them first so I could stay on it. I did pay off several cards this way.

I had to call one cc company every day for about a week, until I got someone to work with me,. I did want it paid off, and knew I could with out the interest..karen

Posted: Wed May 14, 2008 12:16 pm Subject:

Thanks Karen I am absolutely going to try this and keep trying until I can find someone who is willing to work with me. I do want to pay this off but it's absolutely impossible with them adding more then 300.00 in fee's and interest every month. It feels like the more I pay the more fees they come up with to charge. I know if the fees and interst were gone i could easily get this card paid off which is what I want. Thanks again for everyone's help, I'm going to give this a try and I"ll let you guys know how it turns out. I'm hoping I can get someone who will be willing to help me with this.

Thanks again,
Johnita

Posted: Thu May 15, 2008 4:54 am Subject:

Were the misc. fees, etc. they added in the contract? If not then this could be a major truth in lending violation, also if they are accessing fees you did not agree to in the contract then you are not bound to them.

Posted: Thu May 15, 2008 6:30 am Subject:

I absolutely HATE Chase, I cannot WAIT to cancel the card I have with them. Their customer service is terrible, my dislike of them has nothing to do with finances.

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