Be aware of Chase bank using late fee to rob you. Normal practice for those credit card company regarding late fee is that they will waive for once or twice as a curtesy. Not true for Chase bank. If Chase bank do not follow the normal practice of industry, they should put it in front so that people will know if and choose not using their credit card. Whatever the attractive give-back they are having in their credit card offering, they will get it back by getting your late fee. It is $39. You can feel how desperate for them to make some money... read full review »