Chase Credit Card
Balance Transfer 0% APR Offer Followed by Finance Charges

Chase Credit Cards pulls a nice little scam, using their 0% APR as a hook to lure you into their trap. I bought into it, and transferred a balance to them under the guise that I would receive 0% APR for one year.

However, after transferring my balance, I did not receive my first statement until after the due date. When I called customer service (which incidentally has a call center in India, staffed by people who do not have the ability to communicate effectively in the English language) I was bounced around until they determined that their information about by address was incorrect. I then proceeded to forward payment by electronic check, but they went ahead and tacked on a hefty finance charge to my account anyway.

After numerous calls to complain about the situation, they eventually credited me a certain amount back, but my statements continue to reflect a finance charge. Calling their customer service number has been a constant problem, as speaking to a live person is a matter of being patient enough to wait on hold for 20 minutes or more, and when I am able to reach a representative, the thick Indian accent and inability to give me answers prevents the situation from being resolved.

In my opinion, this is just a big scam for the company to make an excuse to charge me their finance rates due to a mistake on their part. I have suspicion that my original statement was not sent to me on purpose, so that Chase could justify charging me for their finance rates even though they offered a 0% APR to me. I don't even want to think what the original late payment, which was not my fault in the first place, did to my credit score rating.
My advice to you is to avoid Chase Credit Card services at all costs, unless you enjoy being swindled and put on hold only to try to communicate your problems with someone from India whom you can't understand.

Company: Chase Credit Card
Country: USA
State: Arizona
City: Phoenix

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