My credit card account was with WaMu (Washington Mutual) which now has been taken over by CHASE BANK USA. What happened honestly in my case is that I, a disabled senior became ill and before my husband drove me to the ER, I paid some of our bills that would be due at the 1st of the month and made a payment to WaMu, but apparently didn't press the enter key. I didn't want my husband to have to worry about anything in case I was admitted, which I was. 2 weeks later I looked up my account online to find that my payment was not credited. I called them immediately and told them (CHASE) what had happened to me and the fact that I have had my credit card with WaMu for several years, never been late, pay more than the min due, have a good FICO score and was concerned they would report this to the credit bureaus. I made a payment over the phone. The next thing, I receive my statement from which is now CHASE and they have put my APR at 27.24% (default rate) up from 11.94% which it was with Wamu. The customer rep was cold as ice... I was in tears... It didn't matter! I was told the following, " You now have to establish a good relationship with CHASE, it may take 1-2-3-4 yrs or more, IF AT ALL. I have written to my State Senators, The Attorney General etc. The lesson I have learned from this is to pay off the credit cards... May take time but I will do it... in addition to the "Bail Out", they are finding way's to take more money out of our pockets. Be watchful of your credit card statements and be active when you need to be. Ck out also / link removed / and you can see all the complaints against CHASE. I understand from a radio program this am that there is a law firm in New York that is planning on filing a class action suit against them. I live in Nevada. If there is anyone from New York that perhaps see's an article re this in your newspaper and it names the law firm, please let me know.
Many Thanks!
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