I just found out, as apparently other have as well, that Chase is now charging a $10/month 'service' fee on top of what they agreed was a fixed low interest rate (3.99% in my case). This effectively raises my interest rate to about 5 1/2%. In addition, they have increased my monthly payment almost three-fold (which may make it difficult in the current economic climate for me to qualify on debt to income ratio in refinancing my home--to take advantage of low mortgage rates). Their ploy is that they will take away the $10 service fee... read full review »