I learned some were having problems with using First USA's (Now Chase)internal AutoPay, so I was hesitated. Especially when I've been happily using NetBank's free online billpay services. My payment have been sent and received within the promised timeframe. I would advise you to use your own bank's billpay services instead of theirs, unless Chase happens to be your bank.

The transition for First USA/Bank One/Chase merge might have more impact on their banking systems. I am not sure if the payment was the main reason for you to close your account with them. If so, setting up billpay from other bank might better solve the problem.

So far, I haven't had any declined card usage happened to me yet. I am trying to build up my UA miles with the creditcards I have with them. So I'll keep using them. With your buying power ($75000 in 2004), it's a shame to let go of those miles!