Prime Rate Credit

Chase is a good credit card company, in my humble opinion. They are very flexible as far as when I’ve been charged a late fee that I felt was truly confusing. For example, one time I paid the bill what I thought was on time, and they said that since it was actually before the bill was due, it was posted to the last months payment, and my current months payment was then considered late.

Stupid, I know. But, when I called and demanded that the late fee be removed as this policy was extremely confusing, especially for consumers who are actually trying to stay on top of their bills by paying them early. I explained I felt I was actually being punished for paying my payment early. She understood and explained the billing system, and we agreed that I would not make my payments until the tenth of the month or after from then on due to the billing cycle issue.

I felt that she adequately explained it, and she immediately took the fee off without any hemming or hawing, nor did I have to ask for a manager, so clearly they empower their employees to make decisions they feel are fair and in the best interest of keeping happy customers. I also like their online billing notification system.

They send you an email automatically every month when your bill is due, so you’re not chancing making a late payment, which is excellent for those of us that live busy lives and very well may forget to pay these important credit card bills when they come due. Especially since late fees seem to be exorbitant nowadays! Online bill pay is almost a necessity for me nowadays.

I won’t even consider doing business with a company that doesn’t have a fairly sophisticated online bill pay and reminder feature.