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1.0 out of 5 stars
4 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

2 out of 5 stars

1 5

These reviews were written by current and former cardholders in the last year.

Sep 17, 2016
Terrible customer service
Anonymous Cardholder

I have an 815 credit score and  pay all cards completely each month. They cancelled my one card due to inactivity, but the worst part was that when I questioned the reason  they kept repeating the same standard line and treated me as though I was a deadbeat. Funny they keep offering me a personal banker because I have a high savings balance!

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Feb 10, 2016
Worst customer service ever experienced.
Emilio007 Cardholder

Approximately 1 year ago, I applied for a Chase Freedom card and a Bank of Americard so that I could make a large purchase using the 0% interest offers they had.  Both accounts were approved and I made the purchase.  When I called Chase about 10 days later to find out what my billing date and monthly payments would be on the purchase, the automated phone system informed me that my account was closed.  After waiting for 10 minutes, I spoke to a Chase Representative who said that Chase "routinely reviews the credit picture of it's customers" and that they considered I had too much new credit and too much charged up on the card, so simply closed my account -- with no courtesy call or email beforehand whatsoever.  About a year later, my mother agreed to do a balance transfer of some remaining credit card debt onto a Chase Slate credit card so that it would be at 0% interest.  She went through the trouble of getting me added as an additional card holder on her account, gave me her security info, etc. and she called Chase with both myself and her specifically talking with the Representative several times and her stating clearly that she had applied for the card to help her son do several balance transfers.  When I later called back to actually do the balance transfers, the Representative took down all my card info and then told me it would go through in about 5 days.  Over a week later, they still had not gone through, so I called Chase and they said they needed the primary card holder to call in.  I had my mother call them AGAIN and explain that YES, these are balance transfers she is aware of and that she fully authorizes. During that phone call, we were transferred to a call center in India where a woman with a very thick Indian accent was attempting to assist us.  Multiple times during the call, she asked if she could put us on hold for 2 minutes because her computer was being very slow.  It took us over 10 minutes for the Representative to even confirm that my mother what who she said she was.  After the call, the lady then told her it would go through within 5 more days.  The NEXT day, she got an email saying that each balance transfer had now been cancelled because of suspected fraud and would need to be re-done and applied for newly from scratch!  My mother and I just called AGAIN (at least the 5th call for the same simple purpose) and re-applied for each of the balance transfers.  When the call was done, the Representative informed my mother that she would receive 4 separate emails (one for each balance transfer) within 24 hours and that she would need to call back and ask to speak to the Security Department in order to verify that the balance transfer requests were not fraudulent.   There is not a single person on Earth who I dislike enough to recommend Chase bank to.  I would recommend ANY financial instituion over them.

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Jan 16, 2016
Anonymous Cardholder

I have ended up with  5 chase credit cards because they kept buying other smaller companies.  Recently I opened up an United Airlines credit card and got my 5th chase card :(

I always paid full statement balance but thought it came with 6 months interest free, so I decided to pay a min balance.  After realizing I was charged an interest amount, I immediately paid off the balance, then called them if they could waive the interest charge amount for the first time, the rude customer service rep immediately cut me off that he tried but no way the system would allow him to waive it before I even finished up my sentence.

Now I know how they treat their customer.  I will not renew the $95 membership fee for this UA Chase card.

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Dec 22, 2015
Excellent Credit. High APR. Bad CS.
liljmia Cardholder

This company will try to raise APR's for no reason at all. They have no customer regard, and CSR's will speak to you in the most disrespectful way possible. There is no consideration of your credit rating or credit history. I have an 820 fico and was asking to have my Freedom APR reduced from a skyhigh 18.99%. Instead they raised it to 19.24%. Wow..these scumbags won't get anymore use out of me. No BK, no baddies on the credit report, nothing. I'll keep it open to milk the rewards and not lose the history. Chase won't make a dime on my account. Terrible bank towards customers. Not friendly and shouldn't be in business. Hope they're the next to fall. 

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