I have a platinum credit card at Chase. That would be the card with the $3K+ balance. I began the year with my card balance at Chase somewhere near $9K I think. I got the card because it offered 0% interest for a few months rising to 8.99% fixed. You know what’s coming don’t you? I logged into my Chase account this morning to see that my interest rate is now 14.24%. Nice, huh? I know some of you will say, “Well, that’s not that bad. I’ve heard of raises to 25% interest.” Well that’s not the point. I signed up for online statements and correspondences because frankly, I don’t know what the hell the mailman does with my mail. The crap shows up when he feels like it. So I’ve gotten every other notice and correspondence online. Somehow, this ONE letter they send in the mail back in September they said. I never got it.
So I called them this morning asking what the hell is up with my account! You kow you get the standard, oh you can opt out, we sent it a few months ago. So I asked her to confirm that I signed up to get all my crap online. She said yes. So I was royally pissed off and steamed that the most 
I’m glad that I’m diligent and caught it 24 hours after it went into effect because you know what will happen now, don’t you? I was going to concentrate on the HELOC once my car was paid off but now that bad boy will wait until I finish with this shit instead. Don’t say fixed interest rate a year ago if you don’t mean it.
To be honest, I wasn’t terribly shocked but just let me know that you’re going to kick me in the shins like your rules say you will. I guess this is payback for the $125 interest that I got from them for opening a checking account and accelerating my payments. Have I got something coming for Chase because I’m almost 100% sure the way in which they calculate their finance charges is wrong and not in line with their rules. It’ll take me a few weeks but wait for it.
Image courtesy of SickofChase.com