Chase is tricky.....

I just received my monthly statement from my Chase Freedom card, and I was pretty confused by it.  Not because I'm an idiot (which I am), but because Chase is starting to pull some intriguing shenanigans.

So my balance was way too high, but that's because it included my trip to Africa.  But my minimum payment was $0.00.   That's right, I didn't have to pay, free money for me, right??

Wanting to confirm that I truly didn't owe anything, I called Chase and navigated throught their fun phone systems.  After 3 reroutes, I finally found the right person to talk to.

So here's the deal:

Chase understands that cash may be tight, and that I might have other bills that I need to pay.  So with their infinite patience and understanding, they are giving me the option to skip this payment without any penalty.  No penaly, no late fees, nothing. 

Of course, they also neglect to say that finance charges are still in effect, to the tune of 13.24% (as of my current statement). 

So be careful, while Chase seems like its being a semi-decent company, they are trying to trick you into not paying your bill.  They are waiving the $30 late fee, in return for accrusing 13.24% of your balance as an interest and finance charge.

Pretty sneaky..pretty sneaky......tisk tisk chase, we expect more from you!