What Happens If I Don't Pay My Chase Credit Card?
Quick summary Detail Value Grace period (interest) ~21 days after statement (purchases only) Late fee Up to $40 Penalty APR Up to 29.99% (varies by account) Credit reporting 30+ days past due reported to bureaus Account restriction Within 30–60 days past due Account closure / charge-off ~180 days past due Source verified May 2026 How Chase credit card billing works Chase issues a wide range of credit cards (Chase Freedom, Chase Sapphire, Chase Slate, co-brand cards like Amazon Prime Visa, Southwest, United, etc.). All Chase consumer credit cards follow the same general non-payment rules. ...