A few months ago I came into a pretty good sum of $$ which allowed me to pay off all of my credit cards, one of which was a Chase card.. I went on the website. got my current balance and made a payment for that amount.. Next month's statement shows I have a balance of $3.84. AFTER they had accepted my payment which I thought would settle that account.. When I called Customer No Service about it I was informed that due to 'two-cycle billing' [a method that credit card outfits can legally use to screw the customer even more..] I still owed that amount.. So I mailed them $4.00 in loose pennies.. Next statement shows a credit balance of 16 cents which tells me they got the pennies.. The last statement I got a few days ago shows a 16 cent finance charge on the 16 cents they owed me, so they can zero out the account.. And this is legal?? FUCK CHASE!!