JPMorgan Chase & Co. Credit Card Complaint

JPMorgan Chase & Co. Credit card department,

Payoff process New York

I went to a Chase bank located in - - NY on - - - and the rep asked me if I had a chase credit card. She advised me of a 0 % credit card for 18 months that I would qualify for. It is the Chase freedome card. I applied on the spot and got a large credit. What the rep did not disclose was that Chase does not offer you the option to pay greater than the minium amount via automated bill pay. You get - options either pay the minium amount or pay the full amount. This is defrauding the consumer as it forces you into a balloon payment at the end if you can only pay the required minimum payment. I called Chase they confirmed that they only offer minimum payment via auto pay or you can go in monthly and pay greater than the minimum amount. This is not standard payment policy because if you have a credit card with Chase that has an interest rate charge you can pay more than the minimum payment via auto pay. Chase in this case is offering 0 % credit cards but not allowing you to pay greater than the minimum in an automated fasion. This is not disclosed at the time of offer or is it disclosed on the statements either. Please advise whether Chase has the right to change its payment options on different products and if so, are they not supposed to disclose this information?