I mailed my payment for 9/5. Then I recieved a large bill for 10/08 wanting payment right away. I called them, they say they did not recieve 9/5 payment. I never recieved it back,the bank said it was never cashed. I then called the bank and put a stop payment on the check. In this mess Chase raised my interest to 20.99, which was 5.99 before. I have been with them along time. so I called and ask for my lower rate the next week. They told me not for 3 to 6 months. Could it be this is their new way to raise interest rates ?? This could increase their bottom line alot if they did this to all customers. Just wanted all to watch out. Hugs.