JPMorgan Chase & Company agreed under pressure from New York State to stop charging a new $10 monthly fee to credit cardholders and agreed to refund the proceeds collected since the fee was first levied in January, the New York attorney general, Andrew M. Cuomo, said Monday.

More than 184,000 cardholders will receive $4.4 million in refunds as a result of the agreement, Mr. Cuomo said in a statement.

Chase Bank, one of the biggest credit card issuers, said in a separate statement that it would reimburse $3.3 million.

There was no immediate explanation for the difference in figures.

Mr. Cuomo said the bank had offered promotional rates for several years for balance transfers or other loans put onto Chase credit card accounts.

The offers made clear a one-time transaction fee would be charged for this promotional rate, Mr. Cuomo said in the statement. But last November, the bank sent letters to more than 300,000 consumers, saying it would start charging a flat $10 fee per month.

After consumer complaints, Mr. Cuomo demanded that Chase cancel the charges and refund the fees collected. Last Thursday, Chase agreed to comply with the demand, Mr. Cuomo said.

The bank, however, said it decided to end the fee because of feedback from cardholders.

With credit card defaults at their highest level in at least 20 years, credit card lenders are trying to protect themselves by tightening credit limits, raising standards and closing accounts. They have also been cutting rewards, raising interest rates and increasing fees to cushion losses.