<prompt> Human: Im looking into getting a rewards credit card and according to CreditKarma, a chase card is my best bet. It could just be paranoia, but I started looking at reviews of chase cards and a lot of the negative ones seem to be phantom charges, interest charges even though I paid, they never sent me my bill or they made my payment late and then charged me.Im just curious how much of this has to do with Chase being shady and how much of this has to do with users who do not stay on top of their monthly payments? Is this question in the right subreddit?  <response>: Ive had Chase cards for years and havent had any problems with them. As others have said, all banks are going to have plenty of bad reviews. 