Heavy credit card debt? Your bank can help you!

Excerpt: “Let’s have a look at the peculiarities of forbearance programs from several banks. If you have a credit card from Chase, you can have an opportunity to restructure your debt by lowering interest rates, eliminating some fees and extending repayment terms. So if you have financial problems, contact Chase customer service department before you fall behind on payments. “

Chase is putting the squeeze on those customers who have never been late, never missed a payment, have high credit scores at the same time they are bailing out customers who are in financial difficulty.  Its moves may have the effect of causing financial difficulty to Chase’s best customers.  If so, do you think Chase will gladly bail us out, too?

I merely wanted to keep my interest rate the same, continue paying 2% of the outstanding balance every month, neither extend nor shorten my repayment terms and have no additional fees slapped on my account.  Despite persistent phone calls and protests, Chase insists these are impossible demands and refuses to bend at all unless I agree to doubling of my interest rate (which I refuse to do).

© pdurant for ChangeinTerms.com, 2009. | Permalink | One comment | Add to del.icio.us
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Feb. 13, 2009

Cleveland, OH – A class action lawsuit has been filed in the Cuyahoga County Court of Common Pleas against JPMorgan Chase & Co. on behalf of its credit cardholders. Credit cardholders are alleging that Chase engaged in “unconscionable” and “unfair” acts against it own customers.

Chase cardholders were originally offered balance transfers on their accounts with fixed annual percentage rates of 2.99%, 3.99% or 4.99%, until the balance transfers are paid in full. In accepting Chase’s promotional offer, customers either transferred balances to or borrowed money from their Chase credit card accounts. Commencing January 2009, Chase unilaterally, and without reasonable notice to its customers, changed the terms of these accounts. Chase began charging its customers a monthly transaction fee of $10.00 and increasing the minimum monthly payment from 2% of the account balance to 5% of the account balance-representing an increase in the minimum monthly payment of 150% [sic*]. Cardholders who are unable to make the increased monthly payment are forced to accept a higher interest rate. Cardholders assert that Chase breached its promotional balance transfer agreement, committed fraud and violated the “Truth in Lending Act.”

“The fact that Chase is treating its customers this way is absolutely mind-boggling,” says James Boulas, the attorney filing the class action lawsuit. “Apparently being bailed out by the taxpayers wasn’t enough,” Boulas continued. Last year JPMorgan Chase received $25 billion in government TARP funds.

Boulas is also seeking a Preliminary Injunction in the Cuyahoga County Court of Common Pleas ordering JPMorgan Chase to cease these practices immediately and to comply with the terms of its original agreements with its card holders. A hearing is scheduled for Tuesday, February 17, 2009 at 9:30 a.m. in Courtroom 16B of the Cuyahoga County Justice Center.

* The above article quoted by Lyn states “an increase in the minimum monthly payment of 150%,” but it’s important to note that the net effect of that “150% increase” is that the minimum payment ends up being two-and-half-times larger than what it was before the change.  For example, on a $10,000 balance, the old payment at 2% of the balance would have been $200, and at 5% of the balance the new payment amount (a whopping increase) would be $500.  Multiplying $200 times 2.5, we find that the new payment is $500, which confirms the calculation.

– ChangeInTerms.com editorial review.

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Post tags: abusive lending, Chase, chase credit card complaints, chase credit card fee, Class Action, JP Morgan, Ohio

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The first one is, Peter G. Knapp, on behalf of himself and a class, Plaintiffs, vs. Chase Bank USA, N.A., Defendant, filed in Illinois.  The second one is, Alfred D. Morris, individually and on behalf all others similarly situated, Plaintiff, vs. Chase Bank USA, N.A.; J.P. Morgan Chase & Co.; DOE Defendants 1-50, Defendants, filed in Hawaii.

Have you ever consulted with an attorney about a matter, only to have him or her inform you that after court costs, attorney fees, expenses, and time, something that you felt was wrong simply was not worth it?  I know I have.  The lower the dollar amount, the worse this situation of practicality under the law becomes.  If you are a small business person trying to collect on an invoice that is valued at just a few hundred dollars, you will not get that money back.  Forget it.  The only reason to go through a collections process at that point, is a matter of principle.

Now that there are four active lawsuits, I’m betting that there will be more to come.  I kind of like the idea of  an interactive map of the U.S., sort of like during the elections.  I’d like to see every state colored in, to represent lawsuits as they are filed (not counting on South Dakota or Delaware, because elected officials in those states already made their “deal with the devil” — that’s why credit card companies have been able to engage in legalized loan-sharking).

So, relative to the above, since we’re talking about a new $10 per month finance charge, as compared to my example — say as may be applicable to a small business — how can this be “worth it,” you may be asking yourself?  From an inverse perspective, especially if you are not a victim of Chase and don’t think this matter is really worth all the fuss, how can $10 per month be worth fighting over?

Well, lawyers will explain their views regarding an answer their way, in a legal context, and I’ll explain in my own way why I think this is a “cause,” in the first place, and also, why it is worth fighting for: 

This isn’t just about $10 a month in new finance charges (compounding at a higher rate).  The problem is, that account holders were tricked into signing up for long-term loans, and Chase has decided not to honor those loans; instead, it’s “calling them in” by imposing a blow to customers that, if this situation was likened to a boxing match, would be characterized as ”below the belt.”  Hopefully, in our culture we still have an appreciation for fairness, and we don’t want a company to be able to get away with that.

It’s like a schoolyard bully, really, no different.  The first time they’ll fleece a kid for “chump change,” a few quarters.  But that bully will be back.  The next time it will be for dollar bills.  Then it will be a bike, or a knapsack, or both; plus that kid’s lunch, and all of the money, and a demand for the next week’s allowance.  The credit card industry has grown accustomed to pushing people around.  In fact, “35 percent of their [credit card issuers'] active U.S. accounts were assessed late fees and 13 percent were assessed over-limit fees in 2005”  (United States Government Accountability Office report, 2006).  

As for me, I’ve never taken too kindly to bullies.  And in this particular instance, Chase picked on the wrong group of people, account holders who have done nothing wrong.  Actually, it’s the other way around, these account holders (including myself), have been doing everything right, meeting their monthly payment obligations.  I borrowed money, a lot of it, frankly, to attend graduate school at mid-career.  I wanted to become qualified to teach, and I wanted to help aspiring entrepreneurs who came to school to learn.  I’m now doing that.  But what kind of teacher would I be, if I did not include lessons about right and wrong, relative to ways of doing business? 

In fact, the really big, lumbering, stubborn bullies, typically don’t run away with a simple warning: “Stop it.”  Sometimes class action lawyers have to force the issue.  I’m sure they’re working on it, their way. 

In the meantime, at ChangeInTerms.com, a growing number of contributors, helpers, and visitors, are cooperating and sharing information, and we’re doing it our way, before yet one more victim is brutalized out in the “schoolyard.”  It doesn’t matter to me who that next victim is that Chase may be contemplating: small business owner, a single individual, or someone with a family that is being “squeezed” with a whopping monthly payment increase and a new finance charge (coercion is a favorite method of bullies).

In my most recent letter to the OCC, which I expect will be forwarded to Chase (that seems to be about the extent of the OCC’s usefulness to date – a courier service), I have demanded that Chase back down by issuing a press release, retracting its change in terms notice.  Moreover, I know if you don’t  stand up to bullies, they’ll always come back for more, as long as you let them.  I’m not letting Chase get away with this.  I’m going to fight for what’s right in a free and fair society, and that’s always worth it. 

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | 2 comments | Add to del.icio.us
Post tags: chase credit card complaints, chase credit card fee

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1) Account holders weren’t making enough progress paying off their balances, i.e., only paying minimums (we refute that claim as untrue and not even relevant).  This is basically a “those slow-paying laggards deserved it argument.”

2) Changes were (only) ”aimed at” one half of 1 percent of Chase’s customers:  This is a “only killed a few people, who, by the way, deserved it argument.”  It was a surgical strike (supposedly), where Chase selected individuals who deserved it (since they were not paying extra, fast enough).

3)  The $10 monthly charge is a “service fee.”  No, it is not.  According to the change in terms notice (I quoting panel 2 of 2): “The charge is $10 per month ($120 total annually), and it is a finance charge.”

4) These are customers who were “carrying large balances for at least two years.”   So, when Chase promised “fixed APR Until the balance is paid in full” loans, and printed the minimum payment amount on customers’ statements, it would have preferred that customers engage in mind-reading about Chase’s desire to be paid back in under two years?

5) “The total number of customers is relatively low.”  Relative to what?  Relative to the number of homes in the U.S., the number of dwellings that were destroyed by Hurricane Katrina “is relatively low”; heck, for that matter, the population of the city of New Orleans is way less than “one half of 1 percent” of the population of the United States.  Hundreds of thousands, if not millions of individuals, families, and small businesses will be directly or indirectly impacted by Chase’s changes.

6) “The balances that these customers carry amount to billions of unsecured debt.”  All credit card debt is “unsecured debt”; another “poor, poor, banks” are at risk, and we have to “manage risk” (so we are justified in “calling in” your loans on demand) argument.  This happens to be the opposite of the “trust us,” leave your money in the bank — don’t make a “run on the bank” plea that the financial services industry would like to avoid (as it brings back disturbing memories from the great depression).  But, Chase doesn’t mind “making a run” on your money by converting low rate, long term loans into demand notes.

7) Customers can “maintain their current minimum payments in exchange for giving up their promotional rates.”  This is otherwise called bait and switch. (I thought journalism programs typically included a course in advertising?)

“Customers cannot opt out of the new terms..[but] they can pay off their balances.”  The spokesperson’s message is missing a vital adjective.  Truthfully stated so as to reflect the severity of Chase’s demands, it would be: “they can pay off their entire balances [immediately].”  Are you 25 months into a 60 month car loan?  Want to keep your car?  Pay the rest of the loan off, now.  (See, it’s not that hard to get along with Chase!)  This also reminds me of the parody “IRS Super EZ” form I first saw a fews years ago.  Line 1 of the form asked “How much money did you make?”; line 2 directed the respondent to ”Send it to us.”

9) No “opt out” (under item 7).  This is the really, really big elephant, sitting on your coffee table, dear American credit card account holder (regardless if the card issuer/brand).  Chase executives lied to Congress (not that we’d agree that Congress is necessarily very good at representing us, one and all, but I think we would all agree that testimony before our Congressional representatives must be truthful — as for me, I tend to think that lying to Congress is tantamount to lying to the American people).

10) Chase has no comment on pending  litigation.  That’s standard, and I understand that.  However, Chase isn’t being sued for “no reason”  (see Michael E. Moore and Diane M. Rooney, Plaintiffs, v. Chase Bank USA, N.A., Defendant; Brian Woods and Kain Macy, on behalf of themselves and all others similarly situated, Plaintiffs, v. JP Morgan Chase & Co. and Chase Manhattan Bank USA, N.A., and DOES 1 through 100, inclusive, Defendants;  and the suit under investigation by Girard Gibbs, LLP).  It’s being sued in class action lawsuits by firms that are pretty positive that Chase would not want a jury to hear the facts and details, without the spin, and shine the light of truth on Chase’s reprehensible behavior.*

* Since this post was first entered, additional lawsuits have been filed.  Here’s a list as of February 14, 2009:

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | 5 comments | Add to del.icio.us
Post tags: banks, change in terms, chase credit card complaints, chase credit card fee, Class Action, credit, debt, fees, Testimony

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Isn’t it interesting, having friends on the Internet who tell me about the letters, offers, customer service arguments, and other “fun” that they have, going “round and round” with Chase.  It’s also always been rather dumbfounding, since being married, seeing how credit card companies treat me, or my wife differently.  After two decades, two premature babies, one doctoral degree, and more than our share of consignment shops, chicken leg quarters (again), scrimping, and saving to make sure that no matter what, we always paid our bills on time (all of them), doesn’t Chase have sense enough to know that we might talk about money with one another?  My astonishment goes beyond my own household in the instance of Chase: thousands of people are sharing information about its antics (site visitors and on the Internet at large).  We know about disparate treatment and redlining in the credit card industry, too.

I think it should be pretty obvious to anyone who lingers on this site for just a few clicks that I do not care for the way Chase has treated my wife in the past (we closed two of her accounts ourselves after a supervisor said that Chase did not really care about keeping our business — and no, my wife had not done anything wrong — just the same old story, account changes for no good reason).  I think the site says that I certainly do not like the way Chase is treating me presently, either.

And, not to forget you, dear readers, I am on your side as well.  If you are a small business person, as an entrepreneurship professor (working at my day job), I care about you.  In fact, this fight is actually necessary for the whole economy, because I know that even in the best of times, it’s hard to get capital, and credit cards have been used by millions of fledgling entrepreneurs (not saying that’s a great idea, but I know the situation “is what it is” — long story, read my research papers before you comment, please).  For everyone else, if you are the type of person who has tried to lead a good life, acting responsibly and in good faith, then I love you, too.

I would observe that those of us ordinary citizens who are acting responsibly are evidently at odds with the credit card industry’s business model, given that it seems to be a “one trick pony,” and a very ornery one at that: get a “customer in the saddle,” run him or her through thorny bushes, knock ‘em off with a low hanging branch, and then ”kick ‘em while they’re down.”

If you had a chance to watch any of the House Financial Services Committee hearings today, you may have noticed that there was an expressed lack of interest in lowering credit card rates in response to a question about whether or not leading banking executives (all of whom have received T.A.R.P bail out money) would be willing to cut customers a little slack during this time of economic hardship.  Of course, I was listening rather intently for Jamie Dimon’s response (Dimon is CEO of JP Morgan Chase).  Smooth talker, wrong answer (no mercy).  Thus, the image above (linked to a pdf of the front and back side of the offer that was sent to my wife) also demonstrates, to me, that the model is the same: bait the customer, hook the customer, and screw the customer.  I also noticed the “limited duration” part in the current offer.  With Chase, that doesn’t really matter though, since it has already proven that its “fixed APR Until the balance is paid in full” promotional offers are for a limited duration as well.

Have no fear for me or my wife regarding this latest offer (to take advantage of her — us), I don’t think you’ll have to worry about whether or not we would ever “fall for” one of Chase’s tricks again.

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | 12 comments | Add to del.icio.us
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http://www.house.gov/apps/list/hearing/financialsvcs_dem/hr021109.shtml

February 11, 2009, 10:00 a.m., 2128 Rayburn House Office Building.  This is the link (in advance) for Dimon’s testimony (those who testify send their testimony in advance, so hopefully, the follow-up questions will put these bank CEO — sleaze-bags — on the defensive (not necessarily the case that this will happen as we know, it’s a rigged game with banks and Congress most of the time):

http://www.house.gov/apps/list/hearing/financialsvcs_dem/jamiedimon021109.pdf

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | 7 comments | Add to del.icio.us
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http://financialservices.house.gov/members.html

The reason is, supposedly Chase CEO Jamie Dimon is to appear this week. I would at least like to hope for the possibility that one of our elected representatives asks about this change in terms issue with Chase.

You may have notice a link to contact the whole committee. This is the text that I used for that:

On April 3, 2008, I testified for a hearing of the U.S. House of Representatives, Committee on Small Business entitled, “The Role of Credit Cards in Small Business Financing.”

Somewhat ironically, I am now a victim, too, of credit card company abuses. I am sending you information in the form of links on a website that I have created in protest against Chase bank for its recent egregious actions against me (via a change in terms notice), and what I have estimated to be several hundred thousand other account holders:

http://ChangeInTerms.com

Chase has imposed a brutal monthly minimum payment increase. I am an academic at Western Carolina University, and my payment on an account that had been around $240.00 per month will increase to almost $600.00 per month. Unfortunately, I was employed last year at Middle Tennessee State University, and my home back in Tennessee is languishing in the real estate market. Thus, it is even harder to swallow Chase’s act of coercion (Chase has offered account holders the “option” to give up a previously promised promotional rate, in exchange for a new finance rate – double in my case – and monthly payments that are closer to what they had been).

I have seen news reports indicating that JP Morgan Chase CEO Jamie Dimon is scheduled to testify before the House Committee on Financial Services, and I am asking you to please consider the fact that Mr. Dimon’s bank has imposed changes that are completely contrary to previously delivered testimony regarding “opt outs” and treating customers “fairly” (i.e., changes are unfair and provide no “opt out”).

My site’s “Press” page (http://www.changeinterms.com/press-members-of-the-media/) has additional information about my personal battle with Chase. I believe that the letters and other documents tell a story that needs to be brought to the attention of your Committee Members. For example, Chase spokespersons (and other correspondents in letters) keep calling a new $10 monthly charge a service charge; but, the whole truth is as follows:

Chase spokespersons as well as correspondence from Chase (and reports from consumers attempting to negotiate by phone) are insistent on calling a new $10 monthly charge, a “service charge,” but according to the change in terms notice: “The charge is $10 per month ($120 total annually), and it is a finance charge.” Thus, the promotional rate has been violated.

The actions by Chase described in my letter(s) and “issue backgrounder” report (all on the site) will most certainly put me, my family, and thousands of others in harm’s way financially (the notice to account holders stated that changes would take effect as of January 1, 2009). Please see:

http://changeinterms.com/pdfs/CHANGEINTERMS-THE-ISSUE-BACKGROUNDER.pdf

If anything that I can do to aid the Committee, please contact me.

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | No comment | Add to del.icio.us
Post tags: chase credit card complaints, chase credit card fee

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WXIA-TV (Atlanta) – JP Morgan Chase Adds $10 Fee to Credit Card Accounts

Excerpt: “The company says it plans to add the 10-dollar-per-month fee to customers who have low promotional rates, and those who have carried large balances for more than two years and haven’t made progress in paying off their balances.”

WTAE-TV (Pittsburgh) – Call 4 Action: Chase Adds Fee For Low-Rate Credit Cards

Excerpt: “At a time when many consumers can least afford it, JP Morgan Chase, the country’s largest issuer of credit cards, is ordering some of its cardholders to pay more….

Such tactics are emblematic of an industry in financial trouble, according to University of Pittsburgh business professor Jay Sukits.”

“A representative for Chase said the change affects less than one-half of one percent of its accounts, adding, “Those who are impacted have carried large balances for over two years while making little progress in paying them off.”

Delaware Business Ledger – Chase credit card fees on balance transfers drawing flack

Excerpt: “The Wilmington-based credit card business of JPMorgan Chase is coming under fire for fees and higher minimum payments for some customers.”

WCPO (Cinncinati) – Credit Card Rates Soaring…Even if you Have Good Credit

Excerpt: “But banks — struggling to survive in this credit crunch — are raising interest rates on even their best customers, according to a recent report in USA Today.

The report says Chase Bank is going a step further: adding a $10 monthly fee to many Chase cards.”

The Dallas Morning News – More Consumers Find Credit Card Terms Changed as Issuers Cite Rising Risk

Excerpt: “ Chase notified customers in December that it was raising the minimum card payment from 2 percent of the unpaid balance to 5 percent and was adding a $10 monthly fee that would start with the January billing cycle.…By raising the minimum payment by over 150 percent on short notice, effective in January – when most folks are on a tight budget – they effectively force people to accept their alternate offer,” she said. “I believe their timing was deliberate – the timing of the mailing of the disclosure during Christmas rush and the effective date of the change.”

USA Today – Chase adds fee for low-rate credit cards

Excerpt: “Cash-strapped consumers can’t seem to get a break from high credit card fees and rates.

In the latest fee rolled out by a bank, JPMorgan Chase, the nation’s largest card issuer, has begun charging hundreds of thousands of borrowers a $10-a-month, or $120-a-year, fee. Industry watchers say the fee is unusual because of its size but also because Chase is adding it to borrowers’ monthly balances, where it accrues interest. The bank is also raising the same consumers’ minimum payments to 5% from 2%….

…The change affects consumers with low promotional rates who have carried a large balance for more than two years and made little progress paying it off, says Chase spokeswoman Stephanie Jacobson.”

Notice how in nearly every report, Chase continues to perpetrate the myth that these changes only affect consumers who carried a large balance and made little progress paying it off. In fact, in my case and in Dr. Lahm’s case and my guess is in the majority of other cases, significant progress was being made in paying off the balance. I borrowed $38,400 three years ago and the balance when the change-in-terms was enforced was slightly above $20,000 – nearly half paid off. I think paying off $18,400 was making significant progress.

© pdurant for ChangeinTerms.com, 2009. | Permalink | 12 comments | Add to del.icio.us
Post tags: chase credit card complaints, chase credit card fee, credit

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I have posted on the comment thread that Chase is lying when they say, and I quote: “Customers who’ve been notified of increased interest rates have up to 45 days to close their accounts and pay off their balance at the original rate.”

I’d expect more from a WSJ reporter. So far there has been no update to this story. But perhaps if more people comment, the WSJ will take notice.

© pdurant for ChangeinTerms.com, 2009. | Permalink | One comment | Add to del.icio.us
Post tags: chase credit card complaints, chase credit card fee, Chase credit card; wall street journal;

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“THE CASE AGAINST CHASE“

The purpose of the publication is to allow individuals who are new to the issue that arose when Chase Card Services decided that it did not want to honor a promotional offer as was indicated by a change in terms notice that it disseminated to customers late last year (i.e., beginning around November-December of 2008), to quickly get-up-to-speed and grasp the situation.

The publication is organized in sections, and beneath each section, the information is provided “in easily digested bulleted items,” said Dr. Robert Lahm, founder of the ChangeInTerms.com site.  Dr. Lahm, who is also an entrepreneurship professor at Western Carolina University,  explained that he created the site in protest and to fight abusive credit card company practices in general, “but it just so happens that Chase’s recent actions are viewed to be among the most deplorable and unethical moves that we know of, with implications that could indeed contribute to a ‘plastic meltdown,’ and horrifying consequences for consumers and small businesses — thus, our entire economic future may be at stake.” 

The publication’s sections consist of an opening aimed at framing “The Issue,” followed by: “Chase Lies and Deflections (Refuted)”; links to present “Class Action Lawsuits” (and one under investigation); “Why It Matters”; “Resources”; and concludes with one entitled, “For Consumers: What You Can Do?” 

Dr. Lahm said the present publication was developed primarily for three audiences: individuals who have recently experienced (or soon will experience) “Chase statement shock” when they discover a gargantuan (and coercive) increase in their monthly minimum payments, plus a new charge that “is a finance charge“; members of the viewing and reading public who are typically only getting a one-sided view of this issue since Chase spokespersons who are “spinning it their own way are often quoted verbatim, but journalists are not digging deep enough”; and, for other writers and bloggers.  Citing an example of media spin, Chase spokespersons (and other correspondents in letters) keep calling a new $10 monthly charge a service charge; “therefore, we have responded with the whole truth”:

Chase spokespersons as well as correspondence from Chase (and reports from consumers attempting to negotiate by phone) are insistent on calling a new $10 monthly charge, a “service charge,” but according to the change in terms notice: “The charge is $10 per month ($120 total annually), and it is a finance charge.”  Thus, the promotional rate has been violated.  Note that the founder of the CHANGEINTERMS.COM site pointed out to the CEO of Chase Card Services that, apparently, Chase had for once, made a mistake with its own “fine print.”

Lahm added, “I think that one day this whole incident is going to become a classic textbook case study in failed leadership, ethics, and incompetency in management, and this present publication is useful to me as an outline as I work on this.  I believe that there are a whole lot of great ‘teaching moments’ at hand in this matter with Chase.  In my present line of work, this strikes me as something good — teaching future generations — coming from something very, very bad, with some horrible repercussions for a lot of innocent people who, by the way, have been meeting their payment obligations to Chase, and do not deserve this kind of treatment from a bank that’s also double-dipping and feasting on $25 billion of taxpayers’ bail out money.”

ABOUT CHANGEINTERMS.COM

CHANGEINTERMS.COM is a consumer protest site, created by Dr. Robert Lahm, Jr. (a university entrepreneurship professor), in response to credit card companies and their mistreatment of many account holders (including himself).  Dr. Lahm’s research agenda includes entrepreneurial bootstrapping (which often involves the use of credit cards as a source of start-up capital), about which he has also addressed in previous testimony before Congress.  The site provides vibrant discussion and analysis, links to government, regulatory, and advocacy organizations, and sometimes more than a little sarcasm – along with serious critique – about the activities of credit card companies both individually, and as an industry.  While the site laments that it can’t actually change terms from a legal perspective, it submits terms and conditions can be changed with credit card companies from a consumer perspective.  Even with little help from current laws or regulators, consumers can still fight back.  The site declares in a message to credit card companies:

NOW WE’RE COMING AFTER YOU

© Dr Robert Lahm for ChangeinTerms.com, 2009. | Permalink | 9 comments | Add to del.icio.us
Post tags: "Bail Out", advocacy, change in terms, chase credit card complaints, chase credit card fee, Class Action, consumers, credit, credit cards, small business, Testimony

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