Chase/BP is unorganized

Two days later, and the promised credit still has not posted. this is
TWICE now this compnay has screwed up.

"You should not make a customer call you back to check your work."

Hear, hear! If only that were the case. Can you imagine having a job
in which you could tell clients on the phone that you would do things,
fix their problems, and then never follow through?

With the age of online banking and the interent you should be aware of
when your bills are due. If you do not get a bill in the mail you
should still make your payments and check your balances.

Now with that said, I agree with others that have said Chase should
have followed through on their promise of waiving the initial late
fee.

Oh this one makes me mad. I had something similar happen to me.

I noticed a late fee and finance charge of somewhere around $30 on my
account for a bill that I never receieved. I didn't use the card very
often but I kept it because I've had it for a long time and wanted to
have an extra card for major purchases (I bought a computer).

I called a rep and he checked his files and said there was no returned
mail and had a date for the bill that was sent on their end. He asked
me if I wanted to set up automatic payments, which I said no, I never
use this card and I'd rather pay by check.

He offered to credit my account a mere $13. He also said that I could
only get a fee removed once every 12 months, in an accusatory manner.
He gave me my balance due and my total balance. I said I didn't need
the balance due because I'd be paying it off as soon as I got off the
phone, because I had the money.

I know credit companies allow fees to be waived in good faith at least
once (my bank does that too with overdrafts), but if it's in good
faith, shouldn't they be nicer about it?

I agree. Once a company agrees to do something, even if it's an
enormous concession (which I'm not saying is the case here), it should
be done.

I don't know whether, having lost the supervisor's name (which I would
totally have done in your position) you have good enough proof that
they will do what you're asking. But it shouldn't have come to this.

Credit card companies are a bunch of snakes. They will lie to you,
and they are riddled with fees. They can raise your rate, cut your
limit for any reason or no reason.

I suggest that you cancel your cards, you said you don't even use them
and live on what earn. It is a radical concept, I know!

Your paycheck is the greatest source of wealth that you have at your
disposal. Borrowing money eats into that, borrowing for a house,
borrowing for a car etc etc. When you live on what you earn, and owe
nobody payments you will realize how much extra money you have coming
in each month, rather than going out to lenders.

I'd rather have a pile of cash, rather than a credit card for "just
emergencies"

You can take my suggestion or not. But you do not have to this
"normal" debt. Normal people are broke.

I wish you the best

Good Day