We opened our Flexible Rewards Card in 2006 because they offered 5% rewards on grocery and gas. We used this credit card only until this month August 2009 when i saw that they didn't pay the 5% on groceries since September 2007. I wouldn't use this card if i would have known that there is only 1% reward for the past two years. I didn't receive any notice from the change of terms. When i called the customer service they were not able to provide me with any proof that they sent a notice out and the lady was very rude. When i explained her that i would not use the account if i knew the change in terms she immediately asked me if i want to close my account. The Chase Costumer Service is always very bad if you have any problems. They never offer you any solution or compensation. I have other accounts with them and they are never helpful when i call in. I would highly recommend every one to use a Different bank other then Chase.