In June 2009 I paid off my Chase VISA. I only keep it for the Marriott Rewards points, and pay it off each month. I didn't receive a statement in July, but I didn't think that was strange since I had paid off the balance. Two days ago I received a bill saying $8.71 was past due, and I also owed the $39 late fee! I had never been late with a payment, so I figured one call would get the $39 credited back to my account. I dealt with an imbecile named (supposedly) Porsche, who took the information and told me to hold on. Then she just laid the phone down and I listened to the entire conversation. She joked with others about how I claimed I'd never received the bill, etc., and everyone laughed. Then someone asked, "Well, have you checked her record? Has she ever been late before?" Porsche said yes, she'd checked it and I hadn't ever been late. The other voice suggested she credit me the money and she said "No way!" and kept laughing. When she picked the phone back up, I told her what I had heard and said I'd like to speak to a supervisor. She refused and told me to write to Kelly Manick in Ohio. I googled him and that's how I got to this board. I called back and spoke to yet another idiot who I finally hung up on. I am paying this total bill and then calling to cancel the card. I wonder if they'll be begging then? I urge everyone to get rid of everything with CHASE in the name!