I have had this card for 6+ Years other than my AMEX card it has been great just pay your bill on time and the rewards are great especially if you always use it at BP 5% adds up quick.

Like alot of credit cards, the obvious catch is pay a few days early. I have had this card for a couple of years. It has a large credit line and more important I USE IT. As a merchant vendor I know they make quite a bit of money on my purchases alone. I was 4 days late on a payment after 2 plus years of use spending over 200k in that time. They took my interest rate from 11.99% to 29.99%. WTF guys!!! I called them on it. too bad for me. its in my contract and thats our policy. Have a nice day and by the way chase bank appreciates your business.

Bad news with this CC company. Stay away. As soon as I get my $25.00 rebate I will STOP using this card. A few months ago, I got a zero interest balance transfer for a fee of $180. The first month I paid a $600 payment at least 1 week before the due date. I used this card so little that I had forgotten about the automatic withdrawal I'd previously set up from my checking account. A week or so after making a payment, I looked up the account online just to see if my payment was processed. I see a zero balance and an attempt being processed to take out the remaining $5500 from my checking. I didnt call early enough and the payment attempted to go through my bank causing fines on both ends, even though I called on that day (a Saturday of course). A few months later (this month) I get another fine ($39.00). I call, they say its because I voided my zero interest balance account by having a "returned check" so each month I get a fine. I have now paid this account off in full. I am going to report this credit card company. They do everything they can to not help a person. I have excellent credit rating but now I wonder if I have a black mark because of them. It all started out with just the credit card for gas - beware - these people are horrible to deal with. I think all credit card companies are working this way now though. I love my Costco Am Ex and will use that mostly.

There is no monthly fee (It was reversed). I have been a Chase customer for 3 years and absolutely love Chase. The BP Card was one of my first cards with Chase and I have never been charged a late fee or over the limit fee. They have always been fair to me and if any problem comes up, the customer service has Always been nice enough to explain. If you want to avoid late fee's, sign up online for the minimum balance auto payment. It simply makes the minimum payment automatically (Just in case you forget). Also the 5% cash back at BP is a excellent offer. Please do not listen to the negative reviews. If you a responsible user and can manage your money, this card is excellent. I have to say, no one who misses their payment date should have a right to complain. If you forget easily, make the minimum payment early and make additional payments later. There is no cap on the number of online payments (Unlike citi)

I have had the chase BP account for about 6 months. We have not only paid it in full each month but actually over-paid it to cover any costs that might rise suddenly with fuel fluctuating like it is. Just found out that we are $26 over our limit (despite the overpayments) and when I inquired about having it exptended to cover the cost of fuel so that my husband can get to work, they turned me down. My credit isn't good enough. Excuse me? All my bills are paid every month and on time. Exactly what would "good enough credit" entail?

Bank of America jumped our APR about 11 points without justification (we are neurotic about paying these bills perfectly!) so we closed the account. Citi pulled the same thing. Now Chase won't work with us. Yet, the illegal alien gets a house through them and doesn't pay for it.

Who is running this country and why am I paying for it???

I forgot to make a payment - missed it by 9 days - was slapped with a $49 late fee plus 35$ finance charges - so I called to see if I could get leniency on the late fee - no way - so I threatened to close the account - which the gentleman did for me in about 6 seconds - I got to thinking why he was able to close it so quick - no questions asked - then I remembered THE REBATES - I had $75 worth of rebates coming - so I called back to get the rebates and had to stay on the line for 75 min only to be told "I'm sorry the rebates were lost when the account was closed". MORAL of the story - cash in your rebates before you threaten to close your account. Late payment by 9 days ended up costing me $150

I haven't given up on the 75$ rebates yet - but I will never I repeat NEVER own another BP or CHASE credit card again.

Avoid Chase at all costs. They will not honor their own offers.

Chase offers many cards and only does what the large companies, such as BP, tells them to do. BP sucks because they are changing terms on excellent account clients - shame on greedy BP - they will not ever admit that what they are doing is illegal and unfair. I hope someone files are large class action lawsuit against them. In the meantime they are trying to shore up the lower profits by screwing consumers. Eventually they will be fined and money will come back to the customers - BPs reputation is #@$%@# to all of us who have been screwed by them.

have been using my BP Visa card for 2 years. I am very satisfied with the card. I primarily use my BP card just for gas purchases, since my Associated Bank Rewards Visa pays 5% for grocery and drugstore purchases. I also cash out my rewards whenever the balance exceeds $25.

I had the same problem with AICPA Chase Credit Card. I paid my balances faithfully, then WHAM on January 2009 they added a $10 MONTHLY FEE because it is not regulated and they can add it without recourse.

Had a horrible phone experiences with those dummies!

CHASE AND CITIBANK SUCK!!