Chase is a rip off. I paid my chase bill online on a sunday afternoon. For some reason, I could not submit the payment on the due date (which is the actual date I was making the payment). There system would only let me submit my payment for the following date, which would make my payment late. I later found out chase has a deadline for payments which is 4:00pm. I made my payment at 5:23pm. No big deal, I thought I 'll call and explain and they will erase the late fee. They have to I said, it was only a hour and 23 minutes "so called" late. Boy was I mistaken, not only would they not take off the charge. The manager on duty, mr. Micheal monroe - if that's his real name. Proceeded to tell me, (In short) that because I did'nt spend alot of money I could not be considered. Well dang, I did'nt know that when they came after me to open up an account that they saw me as invaluable. After speaking to three reps. My account was charged the $39.00 late fee and my account was closed. Boy, not only did he tell me I was of no value to the company, he showed me as well. Well, my eyes are open. The 4:00 dealine is just another way to tack on uneccesary fees, so that you stay in bondage and they can stay ridiculously profitable. I plan to go after chase like truth goes after the the major cigarette companies. I plan on calling again tomorrow and speak with a mr. Marc schlesinger. We will see what happens. I'll keep you posted.