I love Chase

[Anonymous]

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@longtimelurker wrote:

It's good, but hardly unique to Chase.   I've had Capital One remove a late fee, and I believe nearly all issuers will do it at least once, and often once every so often.

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True that. 

I'm not 100% sure if other banks will do this, but I do know that Chase will often do fee reversals above the one-time courtesy if you really push for it.  For instance, back when I was really dumb with my spending (not too long after my BK), I got Chase to reverse $220 worth of fees over a two year timespan and it counted as a "one-time" courtesy refund.  I've heard of similar successes from other Chase customers before.

[Chaselover]

But did they report the late payment to the CB's?

[14Fiesta]

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@Chaselover wrote:

But did they report the late payment to the CB's?

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If it's one day late, no. Usually its after 30 days late that you get flagged on your credit reports.

[jefftca925]

I've banked with them for almost 7 years (WAMU convert) and I like Chase a lot.  They've always have been very professional and courteous...even in their branches.  The CSP is the B-O-M-B!  Awesome Service!!  They also gave me my first business credit card with no issues whatosever.  I didn't expect it as my business is art related so income generated from it is small right now...but they gave me 18k limit to start with!  Very happy with Chase! 

[Chaselover]

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@14Fiesta wrote:

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@Chaselover wrote:

But did they report the late payment to the CB's?

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If it's one day late, no. Usually its after 30 days late that you get flagged on your credit reports.

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ok, so does that mean we have 30 more days after the payment due date to pay, if u dont want to be reported to CB?

[14Fiesta]

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@Chaselover wrote:

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@14Fiesta wrote:

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@Chaselover wrote:

But did they report the late payment to the CB's?

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If it's one day late, no. Usually its after 30 days late that you get flagged on your credit reports.

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ok, so does that mean we have 30 more days after the payment due date to pay, if u dont want to be reported to CB?

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Well, I think they technically CAN report if one day late, however most lenders don't. I would strongly advise against making a habit of this as not only does it hurt your standing with a lender, but you will still be charged late fees and interest because you didn't pay. It may not effect your CRs, but it will effectively kill any chance of future CLIs/ acts of good will from the lender, if not usher in a swarm of adverse action up to and including canceling your accounts and blacklisting you.

[Anonymous]

Totally agree, chase has the best customer service. I love them and I give them all of my business too.

[Anonymous]

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@14Fiesta wrote:

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@Chaselover wrote:

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@14Fiesta wrote:

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@Chaselover wrote:

But did they report the late payment to the CB's?

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If it's one day late, no. Usually its after 30 days late that you get flagged on your credit reports.

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ok, so does that mean we have 30 more days after the payment due date to pay, if u dont want to be reported to CB?

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Well, I think they technically CAN report if one day late, however most lenders don't. I would strongly advise against making a habit of this as not only does it hurt your standing with a lender, but you will still be charged late fees and interest because you didn't pay. It may not effect your CRs, but it will effectively kill any chance of future CLIs/ acts of good will from the lender, if not usher in a swarm of adverse action up to and including canceling your accounts and blacklisting you.

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That's absolutely right.  And while Chase has great customer service, they are still very weary of their consumers' habits and therefore very easy to burn a bridge with if you get careless.