You can make your payment on-line or you can make it the old fashioned way, by mailing it though the US Postal Service.
You will find extensive information, especially since the economic downturn, on Chase and other financial institutions changing credit terms on both good paying customers as well as customers with spotty track records.
This has sparked much debate regarding the legitimacy and fairness in which these institutions do business.
But certainly, one fact remains clear, if you want to avoid paying excessive late charges and other penalties, be sure you pay your bill on time, and pay more than the minimum payments.
While this will not always help you avoid interest rate increases and other changes to your credit card agreements, it will give you peace-of-mind and perhaps even some satisfaction knowing you have managed to avoid paying your card company those high additional fees they have come to reap over the course of the last several years.
There are those who feel the credit card companies have gotten far too greedy and have unfairly punished those who pay their bills off every month, or paid more than the minimum payments and have exemplary credit, but unfortunately, even during hard times, companies often change their rules to make money or stay in business.
It is an undeniable and hotly debated fact that these financial institutions have gotten greedy with charging excessive late fees and exorbitant interest rates to increase their profitably, even in good times, so it all the more disturbing to those who have done nothing to force a increase get dealt a two or three point increase in their interest rates.
So, for you, if your feel your credit card terms are iniquitous and unfair, given the fact that you have managed your finances responsibly, make your card payment on time or pay it off every month.
As consumers realize the actual power they have to drive these markets, the more responsible everyone, including card and financial institutions, will provide far better services to the customers they require to stay in business.