Innovations and Payment Systems

Chase helps credit card users stay in control


Chase credit card services include receiving credits for enrolling for free alerts, automatic payments, and online statements.

The editorial content below is based solely on the objective assessment of our writers and is not driven by advertising dollars. However, we may receive compensation when you click on links to products from our partners. Learn more about our advertising policy.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Chase credit card holders can expect some extra attention starting this summer, with the launch of the bank’s Chase Clear & Simple program.

Compare Reward Credit CardsAmong the benefits of the program, Chase will provide cardholders with a $10 credit when they enroll for free alerts, automatic payments and online statements. These tools can help cardholders more easily manage their credit card account, prevent late fees and maintain the lowest interest rates.

Alerts come in the form of text messages, phone messages or e-mails. These alerts can be set to trigger when transactions of a certain size occur, when the cardholder is nearing their credit limit, or when a statement due date is approaching.

Chase reports that around 1.7 million of its 100 million customers have signed up for alerts, which have been available for about one year.

Meanwhile, Chase is taking the initiative to reach out to customers via mail, e-mail or phone who seem to be showing signs of financial difficulty. Chase is working to provide solutions and custom payment strategies for these cardholders before they have a chance to fall behind on their credit card payments.

Additionally, Chase is honoring cardholder requests that customized “controls” be put in place to prevent spending in excess of their credit limits. Over-the-limit fees can be an unappreciated cost for consumers, and Chase’s option means such fees will not be levied, even for payments at places like gas stations, where it could still be possible to go over the credit limit by no fault of the consumer.

Chase’s consumer-friendly program comes alongside similar initiatives from other issuers. The Discover Motiva card, for example, was introduced this year to reward on-time payments, while the Citi mtvU Platinum Select Visa for College Students provides rewards points to cardholders for on-time payment, remaining within their credit limit and maintaining a good GPA.

What’s up next?

In Innovations and Payment Systems

Fair Isaac to stop recognizing authorized user accounts

FICO score developer Fair Isaac plans to introduce a new credit scoring model that does not recognize credit card accounts for authorized users.

Published: July 19, 2007

See more stories
Credit Card Rate Report Updated: September 18th, 2019
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more

Join the Discussion

We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, do not disclose confidential or personal information such as bank account numbers or social security numbers. Anything you post may be disclosed, published, transmitted or reused.

The editorial content on is not sponsored by any bank or credit card issuer. The journalists in the editorial department are separate from the company’s business operations. The comments posted below are not provided, reviewed or approved by any company mentioned in our editorial content. Additionally, any companies mentioned in the content do not assume responsibility to ensure that all posts and/or questions are answered.