It goes something like this:
Yesterday, try to sign in but can't remember password, click and put in information, computer says name is not located. I try again, half hour later and frustrated walk away. I can't log in.
Today, call member services, he says hummm, yes you can't log in. We sign up all over again, then I log in and see my dues. Great, I have the money and ready to pay. Discussion with self about using Amex or Chase. I pick Chase. Go to find Chase card. Can't find Chase card, either one!

I calm down and know that it is not lost just misplaced. Go online with Chase, request a new card, wait a few weeks for new card to arrive, then I will pay the dues.