<prompt> Human: Im talking about this card. I know this question pops up every now and then, but I dont want to look at old reviews when it comes to credit cards.However, sometimes, old reviews are valid so Im asking those of you that have the card. My two main concerns after reading the reviews are:1. Ive read that Chase has charged people interest on purchases starting at the date of purchase. Essentially charging interest to those that pay their CC off every month and dont carry a balance.2. Chase has processed payments after the due date if it was paid by the due date and then charged interest or marked it as a late payment because those penalties go into affect upon processing, not when payment is received.Have you had those problems? Or are there better cards?Due to a divorce situation and whatnot, my credit is pretty poor. However, Ive paid off all of my debt. I have a YNAB Budget set up and Im living off of last months income.After looking at the Amazon card and realizing that a lot of my purchases come from them. And I dine out get gas a bit. I could rack up the points pretty quickly.Ive heard with the card I should get the cash back with points so that I can gain more points from purchases instead of losing the points. It just seemed like a good fit. But Im open to other suggestions.Assistant: I have this card and have never had 1 or 2. Though I always pay at least 3days before the due date to allow for transfer and processing.Human: 1. seems a bit weird to me but a few people in the reviews saw it so I _had_ to ask.2. I feel that this is possible, however, I feel that I would just pay it right away instead of risking it.Do you like the card?  <response>: Both of these problems are likely, and almost always, caused by people who dont read their terms of payment. Generally, theres a time limit on the date of a payment say, 8pm that people will ignore, that is why they get charged. Theres also no normal credit cards not sure about the cards for people with really bad credit that will charge you interest if you pay in full every month. Again, likely, the result of someone who doesnt bother to understand the terms of the debt they are assuming. 