i bank with chase. so far i have no prob. with them. their customer service has been good and since i use AMEX as my primary card and never overdrafted my account, i could careless how much they increase the interest on my card. I think AMEX is superier to other financial insitutions when it comes to credit card service. we need some government owned banks to compete with these greedy mkers on trditional banking. i assure you they will try everything they can to save their customers if ppl have more alternatives.