On October 12 as I was doing my online banking with Chase I noticed that a $0.00 amount was due. That same evening when verifying interest rates and other account activity, I noticed a $39 late fee on still $0.00 minimun payment due. When I called to inquire how Chase could charge a $39 fee on $0.00 minimun payment due according to my most recent online Chase.com statement they insisted it was 'my duty and responsibility to keep up my payments to avoid late fees.' Again, I explained to them, and also asked them to explain to me, how... read full review »