I too failed to receive the e-statement from Chase Visa. I normally pay the charge on the day it is received which is about 3 weeks before due date with an e-check but no later than 2 weeks before due date. I had never incurred a late fee of any kind in my 65 years, and I have had a credit card since the 1960's when they mailed the card to you without asking. When I realized I had not made a payment to Chase I checked the site and there was the $15.00 late fee due to the $43.00 bill I had not paid and due 3 days earlier. Talking to the customer service was a lesson in futility. The best way to describe them is polite, that being an overly generous description, and indifferent, that being an understatement. I believe their hands are tied in re the late fees, and working with computers most of you know if it isn't in the system it can't be done, so I believe them. That being said if I didn't receive the statement I think they should have provisions for that at least for one occurence. I can't help but think that this is a problem that isn't a problem for THEM due to all the needed revenue it generates and I for one would have to be convinced this was not intentional in some way on Chases' part. This is a company that has been (mis) managed bordering on illegal to the point of needing federal bailout money so their credibility just isn't there, and I know mine is!! So, Jamie Dimon, if this the best strategy you can come up with to justify your $55 MILLION compensation for 2008 I would consider it stealing.