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When Chase was Bank One, they decided I owed $400 to them, and I disagreed. (Long story; short version is I was agressive about their refusal to issue a frequent flier ticket I was entitled to.)
If my experience is any indication, they will ignore whatever you tell them, and if you don't pay, they will report you to one of several really scummy collection agencies. These guys will lie and scream at you on the phone. Now that I have experienced this, I would be prepared to handle it with much more aplomb--I'd alternate between talking dirty ("So what are you wearing, Sweetpants?") to the collector and calling him an inbred cretin. Unfortunately, neither Bank One or the collection agency had an office in my state, so I couldn't get them into small claims court.
Long story was I held off for four years, but then interest rates dropped so much I wanted to re-fi my house at 4.65%. My wife paid them behind my back, because she was afraid I'd refuse to, and ruin the chances of getting that rate.
But I would do pretty much anything in my power to get back at those thieves.
P.S. I have paid things Cyrnel's way without a problem. I think immediate payment is critical.
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"The problem with socialism is that you eventually run out of other people's money."
Margaret Thatcher
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