Chase has been going crazy with ads about attractive rates and great rewards. Before signing up do yourself a favor and read the posts on Ripoff alert below:
http://www.ripoffreport.com/searchresults.asp?submit22=Search+All+The+Latest+Rip-Off+Reports+Now%21&q1=ALL&q2=&q3=&q4=&q5=chase+bank&q6=&q7=&searchtype=0
This is another fellow that got caught on the typical Chase/Universal Default tricks commonly known as "bait and switch" schemes.
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