Chase is evil for sure, but perhaps don't buy things you can't afford and don't be late on your payments and you can avoid all of that??
Never used it, just reading all the stories online on how people with good credit wanted the $50 off and ended up with bad credit and large credit bills. I do not have a credit card, a loan, or debt so I stayed out of the shit I saw my friends get into with $1000's in debt for using a credit card to much with a low paying job so they were in debt for years for spending to much and not being able to pay it off fully. One friend who I'm proud of bought a used truck for work on his card and then filed bankruptcy later in the year just so he didn't have to go on welfare since he had a daughter and did not trust welfare for a second.
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