Our interest rate went way up on this card, so last month I called Chase to get a pay-off amount. I was given the amount of $2,047.25 so I wrote a check out for that exact amount (using tax rebate $). Today I get a bill for $11.74! I just got off the phone and that amount is the "residual interest"! WHAT!? I've never had to pay an additional amount after I specifically asked for a pay-off amount! And, what's even worse ---- I still have $7 in Disney Rewards on the account. I originally had all our points put on a rewards card for our last trip. Well, now I'm told that the rewards card expire! And, to get a new one requires a minimum of $20 in rewards. What a rip off! So now I have keep charging on that card, or eat the $7. I choose to lose the $7. And I will N-E-V-E-R charge on this card again! Ahhh, that feels better.