I have been a Quicken User and and Quicken Credit Card Holder for many years. I used my Quicken Card for just about all my purchases, so I could download the transactions easily. However, I used a paper statement to tell me when the bill was due and paid my entire balance every month. When CHASE took over, I thought it would be business as usual. However, I did not receive my statement last month. When I downloaded the transactions and saw a late fee I immediately sent in a payment for the full balance immediately. But CHASE is now telling me that since I was in "default" on my statement, they can increase my interest rate to 27.24%. I have paid my bills promptly for years. I don't carry a balance normally, but since I put so many charges on the card, my interest and lates fees were over $100.00. I am disgusted by this and plan to cancel the card as soon as I can redeem all of my rewards. BEWARE!!!!!