Bests & Worsts Reviews from Amazon

Can't believe some of these negative reviews I'm reading, it's like these people have never used a credit card before. This is a great card if you're a Prime member, 5% back is great and the $70 sign up doesn't hurt either (and it shows up on your account immediately, there's nothing to be "sent" to you so if that's what you're waiting for, don't hold your breath). If you get charged a late fee or something because of a .99 cent test activation charge, that's your fault. Whether or not it's a maliciously sneaky practice by Chase, they give you every possible option to prevent things like this from happening. You can sign up for both electronic and paper statements, receive messages via email and through the Chase portal, phone notifications, etc. It should be trivial to make sure your balance is zeroed and if you're getting any notifications from Chase, you need to check them. You can't just ignore it because you don't think you made a purchase, terms are subject to change at any time as with any credit card and that's something YOU agree to. Chase is legally required to meet specific customer notification standards in the event of a change and if you've missed a change, chances are you ignored at least 1 and more likely 2 or 3 notifications. I have 3 Chase cards and I personally have never been charged interest from the date of purchase on an item, nor have I ever heard of this happening to anyone with a Chase card. It also pretty clearly states in the terms that you get 21 days to pay the balance in full to avoid interest, any change to this would require notification again. In my 7+ years with Chase accounts, I have never had a change to my accounts without notification. I have also never been charged a late fee or service fee. Tons of complaints here too about denied charges, especially on large purchases made shortly after opening the card. Chase isn't a mom and pop credit union, it's a company that generates almost 100 billion dollars a year in revenue. As such they use broad risk management tactics, and guess what, you opening a brand new credit card and immediately trying to charge a thousand or more dollars to it is a red flag that somebody might be trying to use your information or that you yourself are in a desperate financial spot trying to open new credit lines and immediately using large portions of that credit. If that's not the case they'll see that when they review it, but unless you've notified them of a large bill coming shortly after opening the card, this is a fairly standard risk management practice employed by most banks, especially if this is your first time with Chase and they haven't had time to assess your spending habits. With the widespread fraud and high profile data breaches of today's world, you should be thinking about how you can protect yourself, but instead people cry foul when a suspicious charge is declined. The shame, the embarrassment, the arduous task of having to reach all the way back into your pocket, fish out your wallet a second time, and procure another payment method for your declined purchase...truly, my heart goes out to you in these trying times. This card is no different than any other, if you follow the general rules of the road and you actively monitor your balance instead of waiting until there's a problem, then you'll have no problems using this to reap rewards. If you think you can't handle that or you don't intend to pay your balance in full every month, don't get a credit card.