The overlimit fee that Chase charged me IS a ripoff! $39 in charges for going over my credit limit. Why wouldn't the card be set up so that you can't exceed the limit by default? Yeah, I really wanted that $39 charge for going over my limit by a hundred bucks. If only my previous month's payment went through two days earlier, I wouldn't have got the charge.
When I called CHASE, they said that it's a valid charge, and that they would be happy to change my account, so that there is no overlimit fees. But isn't it common sense that you would set up the account like that in the first place? If your credit card contract had a box to check to allow for overlimits for a $39 charge for each event, I wonder how many people would sign up??? Hmmmm...
Who need them anyways. Go cancel on CHASE because there are plenty other credit card companies to choose from, that aren't so shady (trying to make a few bucks on unsuspecting customers.) I bet the genius who thought up this fee got a fatty bonus for the millions CHASE makes off it.
Oh well. I guess they don't need my business.
If you don't cancel your credit card with CHASE, at least be sure to make sure your account doesn't allow for overlimit fees. Yes you have to call in to do this, and ask them to set it up the way your account should be.
Hope this helps out some of you, and thanks for reading.
In conclusion, usacomplaints.com is a great site! Thanks for letting me vent off some steam.
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