ChaseReviews of creditcards.chase.com

I've had my chase credit card for 26 year's and when you charge something your interest rate doubles my minimum payment is out ranges for having this credit card this long. And the only solution they have for you when you call them is don't charge anything and then they have the nerve to put on your bill get counseling for you charging stuff all the time. I got news for chase I'm retireing in 10 years and if I have to I will file bankruptcy one of these days YOU SHOULD Not Be Allowed To Charge So Much Interest Rate!!!! My advice to anyone wanting a credit card do not do it

I have used Chase Credit cards for 15 years, and about 4 years with the Sapphire card. Simply put, do not put much "value" in the Benefits the card has, specifically the Trip Interruption reimbursement portion. Using this benefit for the first time after having unexpected surgeries and being released from the hospital the day before I was supposed to check-in a hotel for the night in a different state. Even after spending hours gathering the required mountain of documents and forms complete including providing hospital details, they still want me to get a "doctors letter" as well as "proof that I did not sleep at the hotel". All this for a $130 room. Why would I ask my surgeon to stop helping people to write such a letter for so little money. If you ever think you will need this benefit try filling out the forms ahead of time so you are prepared BEFORE it even happens, as getting it after the fact, can be difficult. Hmm, maybe they want to make it challenging to file a successful claim!?

Chase Sapphire Reserve offers Emergency Evacuation insurance, but refuses to provide a "Certificate of Insurance that the tour operator wants to prove you have coverage. They will provide for a car rental but not for evacuation? Since tour operators want proof, the coverage-which is an important part of justifying the $795 annual fee, it means you have to buy added coverage from a third party!!

We had good experience with this card for years in using the travel benefits like the lounges overseas, and getting airfare with points - then we tried to use their "travel protection." Two years ago I made a minor claim for trip cancellation and trip interruption where the international flight was delayed by a day when the luggage did not arrive for two days. I diligently kept copies of every piece of documentation available and explained why some just do not exist. Now for years I just get a run around. Then this year tried to make a claim for damage to a rental car in Spain. Again every piece of information available was provided to them. They keep asking for the exact same documentation (provided to them 4 times already!) and other documentation that again overseas just does not exist. Very disappointed. One final footnote is that the card is not very good for making hotel reservations as they cover only a small subset of hotels that apparently are available because they have plenty of capacity. Very limited choice.

We’re just a few months into using our new Chase credit card, and already we’re running into frustrating inefficiencies. I made two payments from our Chase checking account to our Chase Visa card—one yesterday and one today. The funds were immediately debited from our checking account, yet the available credit on the card hasn’t increased. When I called customer service, I was told it takes up to three days for payments to post. That explanation doesn’t make sense—these are internal transfers within the same bank. Even the representative agreed and said she would escalate the issue. So why the delay? It feels like Chase is profiting off this lag—collecting interest while withholding available credit. In my opinion, this is a form of double dipping. Big banks should not be using internal inefficiencies to their advantage, especially when the money has already left the customer’s account. Imagine if someone is paying a cash advance rate or carrying a balance with high interest—those extra three days can be costly to the consumer and profitable for the bank. This kind of delay undermines trust and transparency. ps. I gave 2 stars because rep sounded sincere on the phone. I could tell she did not how to explain the situation, as she could not.

At one time, one of the best perks about having a Visa card was the insurance provided on rental vehicles when paying for the hire with the Visa card. Many years ago, we hired a car in England and experienced a tire blow-out and the coverage we had through the credit card took care of the cost of a new tire. Although some documentation was required, it didn't seem especially onerous nor did we wait an excessively long time for the refund. Fast forward to 2025... Oh, how things have changed! Beware when hiring a car overseas and think twice if you expect that Visa card coverage will easily handle minor vehicle damage. We rented a car from Europcar and presented their clerk with documentation of our U.S. based Chase Bank Visa card rental car protection plan. Despite the documentation, we had a compulsory $5K hold put on our card for the privilege of renting from them. The agent explained that the Visa card perk would not cover things such as tires and other minor damages, so we should take their 'protection plus' coverage to cover "anything" not covered by Visa and that by having such coverage it would take care of "everything" if there was any damage whatsoever to the vehicle. Protection Plus cost Ten Euro per day. We were surprised to find that the car did not pass inspection when we returned it. The agent inspecting the car said that she saw a problem with the rim on one of the wheels and immediately chose to bill us 190 Euro for it. Although we had photos of the car when we picked it up, we didn't have close-up images of every wheel rim (and we were unaware at that time of Europcar's predatory practices). So, we didn't deny that maybe some very minor damage to a rim could have happened while the car was in our care, but pointed out to the agent that we paid for "protection plus" coverage so that even if we were responsible for the damage, there should NOT be any charge for it. The woman said she didn't even know what the company's "Protection Plus" is! (Talk about stupid!). We couldn't reach anyone at Europcar by phone whilst still at the airport, so, we figured that a good way to take care of that would be to contact the benefits department at Chase Bank to put in a claim. That's when we became aquainted with their automated phone system for claims and received information on processing requests. To call the process a pain in the neck would be an understatement. Documents for claims processing by the third party insurer Virginia Surety requires the following: 1) "Statement from your insurance carrier or proof of not other insurance; 2) Rental agency's incident report; 3) Rental agency's 'demand letter'; 4) first and final rental agreements; 5) monthly billing statement showing purchase amount; 6) police report; 7) "primary insurance policy's declarations page; 8) "Repair estimate and itemized repair bill"; 9) Two photographs of the damaged rental car. Such requirements would make sense for a major collision -- but for scuffing on a wheel rim or minor damage to a tire? Who files a police report for THAT! And bear in mind that the documents sent by Chase Bank say that each of the documents listed are REQUIRED to process a claim! Given that we had no response to our email from Europcar and were unable to reach them by phone, we don't have any documents from them to support their claim that we caused damage to the car. Furthermore, we were unaware of damage to the car, so there isn't any accident report nor police report! So, we decided to handle the matter with the bank by entering a dispute with a charge-back to Europcar for the fraudulent 190 Euro charge. There were also other charges by Europcar that we cannot reconcile with the receipts we have. That matter is complicated by the fact that Chase Bank could not provide us details on the costs we incurred in Euros; they can only confirm amounts in U.S. Dollars (yet they are a multi-national bank... go figure!). Dissatisfied with Chase Bank Visa's claims processing system, I called the bank's benefits management department to report the fact that their system is geared to handling major incidents/collisions and NOT very minor damage such as we were being charged for. The agent I spoke with had a good command of English, but not the wit required to fully comprehend my complaint nor my request that a disclaimer be added to their Claim Processing Guidance document to indicate what specifics are needed for those claims, such as a personal narrative, photo and a bill. She was passively rude and inattentive. I had to ask if she was still there on the line and she repeated some script more than once about the 'required' documents. In this rigamarole, I found that tires/rims ARE covered by the Visa perk -- yet they don't make it easy to claim for them.