Thank you for your comment. If you will poke around the site a little more, you’ll find that I have discussed many aspects of the fine print. I also, on this site and on others, continuously correct the words “service charge,” and “fee,” no matter who says it, because the actual change in terms notice said “finance charge” (several times!). This is the one essential fact that has allowed me and others to claim in a way that I think will prevail (especially in the class action suit, which has been filed) that Chase used a deceptive advertising technique. In other words, no matter how small, it is nevertheless the Achilles’ heel (and I pointed out in my December 3, 2008 letter to Gordon Smith that I think Chase, for once, made a strategic blunder for using the words “finance charge.” Therefore, you see, “Carmen,” the other representatives, the form letters that are being sent to every body, and spokespersons who are talking to the media keep going back to playing games with the language: service fee, versus finance charge.

In any event, I do use a centralized place to post documents that I have scanned, letters that I have written, etc. If you’ll check the right side navigation bar on the site, under “Correspondence,” the change in terms (11/2008) and the original 3.99% offer are both there. Best wishes.