Fact: I always pay my balance in FULL , plus some extra $ due to rounding every month. Statement cycle closes on the 10th of the month and I usually check the account online. Last Month for whatever reason I did not check my online acct until yesterday. I saw the overdue amt, penalty, interest. I admit I was in error upon speaking to CS. 1st level said sorry no can do, Second level with more persuasion removed the penalty, and late interest.

Up to now online or Customer Service has not told me that my acct was frozen until they get paid. I go to use card for over the phone transaction today. Sorry denied. OK I will call back later after I check with Chase. Call Chase and make payment over phone, but we can't do anything until midnight when you check clears. Let me speak to your manager. Sir I am a CS manager. But you don't understand all of this for $15. This goes on for about 15 mins.

After some detective work on Google I found my way to the Executive Suite at CMB. A very nice lady did some legwork and dotted her I's and crossed her T's and released the acct.

Now I am a happy camper.

BUT I must admit that this experience has me reviewing my options with regards to using the Marriott rewards card from CMB.