Comments on: Chase Blueprint Payment Program Review

By: ry

ry — Thu, 29 Dec 2011 16:00:30 +0000

an wa mu was picked up by chase you know that right?

By: Sue

Sue — Mon, 19 Dec 2011 18:06:53 +0000

Chase paid off my low-interest promos with my Blueprint payments, leaving me with growing high-interest balances after I had just paid those off. In the 4 months Sep.-Dec. 2011, I paid MORE THAN MY MINIMUM PAYMENT PLUS EVERY PENNY I CHARGED, EVERY MONTH. In Sep. I owed 292.85 @ 23.24% interest and $1128.08 @ 5.99%. In Dec. I owed $179.01 @ 5.99% and $908.26 @23.24%!!! Blueprint is a financial scam to get around the recent consumer-protection legislation that says they have to pay off the high-interest portion with anything you pay over your minimum. Blueprint ups the “minimum” so they can use it to pay off low-interest balances instead of high-interest ones while you merrily run up a huge charge balance even though you’re paying as you go!

By: J.D.

J.D. — Sat, 17 Dec 2011 01:52:07 +0000

Thankfully I read all this. I no longer carry credit card debt with Chase(I signed on to Providian, who was bought out by WaMu) and was thinking about using blueprint so I didn’t have to pay interest on gas and groceries. Guess they figured out a way to get their interest chages anyway.
I’ll just keep mine the way it is and continue to pay the full amount each month.
Blueprint, no thanks.

By: Kent

Kent — Sun, 25 Sep 2011 20:44:38 +0000

@Chaseme and others,

Please be aware that “Full Pay” categories do not cover all purchaces even if you selected all 14 possible categories.

I’ve enrolled on FULL PAY, selected every single categories, thinking my statement would be paid in full every month…Five months later, I found out some purchases were not included in the categories. I was getting charged for interests silently. The reason why I didn’t catch it for so long is because the statement is misleading, (i.e., FULL PAY – paid in full, minimum balance 0, etc).

I logged on the site to find the option to pay the full statement…not available! I called customer service. “Yes, we are aware it’s not available, there’s nothing we can do. You have to cancel BLUEPRINT to renabled it”. You have to wonder what is their motive behind designing a system like this. I agreed to cancelling BLUEPRINT so I can have auto-pay my full statement balance (the same idea behind FULL PAY). Since there is no de-enrolled option on the site, I am at the mercy of the “person-over-the-phone”. She politely said she would cancel it and it takes 1-payment cycle to take effect. It has been more than 1 cycle, almost 2, and I am still enrolled in BLUEPRINT.

Why make a “FULL PAY” product line that doesn’t allow you to fully pay your bill? A simple 15th category to include MISC category would have solved this…but then interest accruing situations like some reader have commented would have not occurred. Is this by design?

By: Chaseme

Chaseme — Mon, 05 Sep 2011 16:49:11 +0000

I can only comment about the ‘full pay’ option, which allows some purchases to have a grace period.

Here is the quote from my statement:

“Your last FULL PAY payment was made in full. You were not charged interest on the purchases that were included in
your FULL PAY purchase categories!”

This is not a scam and can save a person a few bucks monthly.

By: ry

ry — Fri, 02 Sep 2011 20:58:28 +0000

there is an underlying problem with blue print i found out today and I’m not even sure if it totally leagal or not. i signed up for blueprint full pay for my account. I also did a balance tranfer. i have been charging items on my card believing that under the Card 2009 law that was implace that all my payments I was making were going to the items i was charging on. After all that was the point of the law. A BIG NOPE. Find out that because of the full pay any amount over the full pay amount goes and i quote from the operator, “goes where chase wants.” So i gee i wonder where they wanted to put it. You guessed on the 0% balance transfer amount. So here i think i’m doing great instead i have a $2.5k amount going to be hit at a 12% interest. That just sounds like i said breaking the law they instated to stop that exact thing happening.

By: monica

monica — Sat, 13 Aug 2011 22:25:05 +0000

I am glad to see this comments. We are disappointed with Chase blueprint. It’s a scam. They don’t tell you that they are charging double interest on the Blueprint information page. The only way to find out is AFTER you sign up for one of their plans you get hit with daily interest and promotional interest, in addition to the Blueprint interest: a total of 21%, instead of 10%. Their Blueprint program is a scam.

By: Disappointed Chase Customer

Disappointed Chase Customer — Tue, 24 May 2011 03:18:45 +0000

I thought I had cancelled this Blueprint thing, I really didn’t find use for it. I logged into my Chase account and noticed a $25 Blueprint balance! I had followed the steps listed on the website to remove all features associated with Blueprint, why am I still getting charged for something I don’t use?

By: dan

dan — Thu, 10 Mar 2011 17:55:48 +0000

Unfortunately I have to agree that this one is a scam. I made an oversea payment with Blueprint and they charged me a high commission fee for this transaction. It means anytime I’m using this card abroad I’m going to pay extra. No mention whatsoever about this kind of fee in the introductory agreement. A fee like this never applied with other cards I used in the past. Shame!

By: JerryLuiz

JerryLuiz — Thu, 16 Sep 2010 15:56:50 +0000

Hello Guys,
chase BLUBRINT IS A SCAM, dont use it.I transferred about $7000 from my chase platinum card to BOA card. I had just $637 balance on my chase platinum card, and put all of it on Blueprint FINISH IT at $150/month. for the Last two months I see a Fee called “Promotion Interest Fee” of $75.98 on my Chase CC statement, this is alongside my regular interest charge of $18.75 , I called them and they said its the interest that that I would have paid had i left that $637 for the remaining of the year, so I have to pay it now as an “Promotion Interest Fee” because I elected to pay-off that amount in monthly chunks of $150

By: dbmor10

dbmor10 — Sat, 28 Aug 2010 03:07:55 +0000

I joined. I can’t get out. Now, when I try to pay my full balance, it only pays the BluePrint full balance and I am no longer able to (online it seems) pay my actual full balance to avoid finance charges and accumulate rewards.

By: Aileen FL

Aileen FL — Sun, 18 Apr 2010 08:10:37 +0000

I also have a Chase credit card account, and while I agree with Fred, if one is disciplined enough to live within one’s own means i.e. limits of income earned and live within one’s own budget, then credit cards are not really all that necessary. However, since our economy is set up on credit card systems and not lay-a-way systems, it is an unavoidable evil. Now I tried the Blueprint Finish It, and cancelled before I implemented. It did lower my monthly payments from $225 to $122 at my current rate, however, once the balance was paid, they wanted an agreement to an interest rate of 25.4%, which I do not agree with. So most likely, I’ll pay off my balance in 19 months or earlier, and just close this account.

By: annie NJ

annie NJ — Wed, 10 Mar 2010 14:55:12 +0000

I’m not happy with the Chase Blueprint. It’s a fraud. It’s deceiving the public into believing that it’s “helping them”. They charge fees and penalties, when they claim they do not.

We started on the plan: $2,255 payable over 17 months, monthly amount of $154.25. The total interest on this amount would be about $367.

So what does Chase do every month? They charge me an EXTRA $19 monthly interest on this supposed Blueprint balance.

So my overall balance keeps increasing by about $19 every month instead of decreasing!

By: Disgusted Reader

Disgusted Reader — Wed, 24 Feb 2010 03:06:24 +0000

Are you kidding me? What does the AA couple being well spoken have to do with the advertisement? Did they not meet your standard of the coonery filled shucking and jiving that you’ve come to expect?

Bigoted pig!

By: Aaron

Aaron — Fri, 05 Feb 2010 13:01:52 +0000

It’s not ironic, it’s a coincidence, and not even a big one at that.