[Bearshouse]

That IS your money.

How do you figure? I keep no monied accounts with Chase only this credit card.

[Red Badger]

You pay X dollars for an item with your card.

Chase gives the merchant X-8% for the use of the card.

At the end of the year, Chase gives you 5% back, keeps the 3% difference and you think that you have cost THEM money?....................