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I have had several bad experiences with chase, I received a low APR offer with chase and accepted it, later on I found out my interest rate was higher than what was agreed upon when I had opened the card. I had a Wamu card until they sold out to chase, after this I paid my balance with Chase by the due date, the next month I got another bill with finance charges for the balance I had already paid off! Needless to say I canceled my chase card and my fiance canceled his chase cards :) Goodbye chase!