Worst Credit Card Service Ever Seen
I started to use Chase since 2009. My first Chase account has been closed by unknown reason (Chase customer service can’t figure out any problem so they opened a new one for me). I was using Chase credit card and everything went fine till I found Two Late Payment records on my credit score. It seems that my payment didn’t go through successfully. I don’t know how does it happen but right after I received phone calls from Chase, I paid.
I called back to ask if Chase can help me remove the records. I explained that during the past 50 months, my payment records are pretty good. It doesn’t make sense I do late payments by intention, moreover, I paid right after I get their notice.
However, their customer service only told me repeatedly: “you are responsible to make the payment on time” “we can’t help”.
For me, this is an unreasonable claim: I am in charge of make the payment, however, I don’t know if the payment went through or not. Chase should notice me if the payment didn’t go through, then I make sure the money is paid in another way (or make the payment again).
I have several different credit card from different banks. Such late payment happens occasionally. Usually, after my explanation and payment the bank remove the late payment and late fee. It seems that what they considered is the common payment behavior: if the credit card payment is on time all the time, when late payment occur, there must be an acceptable reason behind that. Such judgement logic makes more sense to me.
I am not against anyone who use Chase. Simply don’t give them a very high expectation.