Chase Credit Cards Reviews

I tried to use this card on Aug 11, 09 and 3 times, it was rejected. When I called to find out the problem, they said it was a security check on that purchase. I have brought from this company using this card many times. In the conversation with the card co., they tried to sell me fraud protection at least 3 times. I have perfect credit. I wasn't past due and they could not give any reason for this being denied! I truly think this was a scam to try to sell me fraud protection. I have had this card for years and have never had a problem, but I will be getting rid of this one and would tell anyone not to use this co.

In October 2008, I came down with an incurable disease. After 30 days, I started receiving Short Term Disability which was 50% of my wages. Luckily, we had some money set aside so I was able to make my payments on time. In 2/09. I could no longer make the payments and called to let them know. My payment went from $250 to $500 a month. Hello, I had no money coming in, so let's just double the payment.

After being a long time card holder with Proviidan Bank, who became WaMu and now Chase, Chase has closed both of our credit cards due to lack of activitiy. We had been paying them both off and were never late. I went to actually use my card last month and it kept getting declined. I had no idea that they had closed my account until I called and spoke to their customer service. If I go online to manage my account, it actually still shows like it is active and not closed. Something must be done about this. I have read a lot about Chase going in and closing up all of the WaMu credit cards. What are we to do? I have a feeling that this will impact my credit score that was 772.

I had to use my Chase Card to pay bills when the economy was flushed. I had an interest rate of 18% which was fine. I happened to make a few payments late. This resulted in a $35 late fee and a jump to 29.6% interest. I tried to talk to them to get this somehow reduced but to no avail. Chase raised my payments from $295 to $635. I quit using my card and now, they keep dropping my available credit balance. This action drives my credit score lower.

I received my statement yesterday and thought I was seeing things. My minimum payment went from around $300 to $851 per month! When I called customer service, I was informed of the change (which I was not notified of. I did receive a closure notice for another Chase account) and told to look at it this way, I would be paying off the debt sooner than expected. Fabulous idea, provided that the affected individual has the disposable income each month to take on the additional payment amount. Like most filers on the subject, I have a great credit rating and was a target of no/low rate opportunities from Chase for years. I have never been late and always add whatever additional money I can to my payments each month.

Chase made my minimum payment more than double because I have a 4.99% permanent interest rate. My payment went from $184 a month to $451. I have 2 other cards with them with similar terms that I am afraid they will follow suit on. I retired from Merrill Lynch last year to get a package and am ineligible for unemployment. My 401k is down 90% as well. This will accelerate me burning through my savings and cause me to run out of resources sooner.

Chase credit card raised our monthly payment to 5% of the total balance, taking our minimum monthly payment from $93 a month to $223 a month. We have always paid our bill on time and never once was late. I spoke with them, and they refused to honor the terms of our original agreement due to "current economic circumstances." I don't understand why a customer in good standing would be forced to pay for those who are not. Companies like Chase will drive our economy down and turn a buck for their selves, regardless of the impact on the individual citizens living up to their individual financial responsibilities.

Adding to the litany of complaints about Chase raising their minimum payment without notice, and without recourse. They made a deal, offering me, at various times 2.9% and 3.9% interest on two lines of credit totaling roughly $55,000. For many years, I didn't touch either of these lines, and every month, the offers kept coming.

I, too, have had my Chase card closed recently. I was originally a WaMu card holder until Chase purchased it. I always paid on time, more than the minimum amount. In fact, I paid it off several times in full in the months that I had it. In May, I had a family emergency and was late with my payment by three days. In July, I was notified that they were raising my rate by 10%. I found this unfair, and when I called customer service, I spoke with someone whom I could hardly understand. I asked for corporate, and she told me corporate did not have a number. She told me I could write to them. I then asked for a supervisor. The supervisor, although nicer, gave me the same story. I have written to Chase and heard no response.

Chase has increased my minimum payment from 2% to 5%. They stated that they sent out a notice, but no such notice was ever received; yet, I always get my statements. The payment increased from $393 per month to $964 per month; $571 per month is a lot of money. This action should result in the collapse of Chase. #1, they are losing me as a customer and I have an 800 credit score with Equifax and 825 with Experian. #2, I'm telling everyone I know about this (I'm on the phone with someone as I write this.). #3, they may be able to loan the money back out to customers at higher rates, but they'll be lucky to find any new customers.

For approximately 13 years, I have had Chase credit card, and I never missed a payment and has never been late. Our payment went from $264.00 to $649.00. We are on Social Security. We have maintained an excellent credit rating; however, it is impossible for us to make this high payment. Now what do we do? Please help.

I received a notice from Chase Bank that my minimum payment would increase starting in August 2009 from 2% to 5% of my balance. This is two and a half times what I was paying and is making it impossible to pay per these terms. It will cause almost certain defaults on my accounts as I cannot absorb this kind of increase into my budget.

I have two credit card accounts with Chase. One was originally with Chase and the second formerly with Prosimian and then Washington Mutual. They are slowly increasing my minimum monthly payment, which I eventually will not be able to afford along with the APR rate. First, it was just on one card with Chase which the balance is not that high, but the second one formerly known as WaMu is high and will and has increasingly become unaffordable. I have always paid more than my minimum with both cards and I have never been late. I work hard to pay even when I am between jobs, which is most of the reason the balance has occurred. It is a priority. I have been working to keep a good credit score to keep my rates low, but they are still being raised which will in effect eventually cause my credit score to drop. In turn, it will cause me to pay more interest.

I thought I was alone in this, but here's my story. I received my Chase bill to find out that they raised the minimum payment from $300 to $800! I have been a very good customer. I have stopped using my credit card in my intention to pay off my debt sooner and have never missed a payment (always paying days before the due date) plus paying more than the minimum. I called Chase about this and they told me that they raised my minimum because as the person told me, "Since historically you have been making payments that were more than the minimum, you can afford it." I couldn't believe this! I feel like I'm being punished for being a good customer!

My credit card was cancelled. My payment history is excellent, doubled on payments and paid ahead of time. I tried to talk with people there but was transferred to someone else and then hung up on. These people are rude and underhanded.

I have two Chase credit card accounts with a combined debt of about $14,000. I closed the accounts about two years ago. However, in January, I received a change rate letter for my credit cards. I assumed that it did not apply to me since my card was closed. However, they increased my rate and now since it is August, they are refusing to lower the rate back down to the original rate when I closed the account. I can barely make the minimum payments and with the interest rate being so high, I'm not able to lower my principal by much each month.

I am a Chase cardholder. I got my August statement and my payment went from $189 to $464 a month. When I called, I was advised of a new policy (increasing the monthly payment from 2% to 5% of the unpaid balance). They advised that they sent me a notice and I should have received it in August. No such letter was received. No notice was given - not even a month's notice. We transferred high balance credit cards to their low APR offer. We have always made our payment on time and there is no way we can pay this kind of increase. We didn't plan on this nor did we ever suspect it could be done legally. I will never do business with Chase again. This isn't affordable. I will default on the payment, they will increase my interest rate, and it will ruin my credit.

I got my last bill yesterday. The minimum payment had doubled! And, I almost always pay double the minimum or at least double the monthly finance charge plus the minimum. I have never defaulted, never paid late. I contacted them, landed up at a call center in Canada and the call center person told me the following which I found to be insulting, not true, and demeaning to my character and person:

My Chase credit card was formally WaMu. I also had a card through Countrywide. Well, when Chase obtained my cards, they cancelled one and did not notify me. But when I called, they advised that I could only have one card through Chase. I accepted that, no problem. However, my statement each month still shows an available balance. My WaMu card was assessed monthly interest, which put my card over the limit ($1.44). Due to $1.44, I was assessed a fee of $39.00. I spoke to a customer service rep (Johannes **) and I advised that I had never had this happen when the card was Wamu.

Chase has increased the minimum payment on a credit card from 2% to 5% which is an additional 150%! I make my payments on time and pay more than the minimum. When I spoke to Adeel, a supervisor in the Chase Orlando office, he told me "The bank is not making enough revenue off of you (me)," and he also said it was because of my type of account. When I asked him what he meant by type of account he said, "You have had the account for a long time." I was also told that my APR was a problem (5.99%). The fact that my having a long term account is an issue is a blatant discriminatory statement aimed at my age (62), as only older individuals could have a long term account. That is wrong and it is illegal to discriminate on the basis of age.

I received an invitation to open a credit card which would give $100 cash reward after first purchase. I completed info by phone and specifically asked to use a P.O. Box #, which they said was fine. I received the card and tried to activate it. It was closed already (even before activating). Reason was the address. I immediately sent them the requested info with physical address, then 3 times called and twice the company said the card was activated and would have no problems. First time used, it was declined. I'm concerned with my credit reports now. By the way, Chase Credit Card company hung up on me 3 times and, also, one of the bank managers at the bank was given the same treatment and received a hang up. This is no way to do business and is false advertising. I demanded they send me a copy of my credit reports to ensure proof they did not damage my credit, but they have declined.

With no notice, I received a statement that suddenly has my minimum payment due set at 5% of the balance, rather than 2%, which more than doubled my minimum amount due. I have been a long-term customer and have paid on time every time, but now I can't afford my minimum payment.

Basically, to make a long story short, Chase would rather take my money and not retain me as a long-term customer. I called today, August 11, 2009, to request a reduction in my interest rate. I was informed that could not take place due to government regulations on decreasing interest rates. I then told the rep that the rate has increased for no reason. He went on to explain that I received a notice in May and had until June to dispute the increase and that since I didn't do so, it remained. So I said, "Oh, you can increase a rate, but not decrease a rate?" Great business model. I can't wait until this small balance is paid off and I discontinue their services!

Chase has raised the rate on my monthly balance payments from 2 to 5%. We've been clients for almost 20 years and always paid the 2%. We can't afford a jump like this. When Carol called to ask if we could keep the 2% payment of balance due since we had been good customers and never missed a payment, she was told "No, it is an executive decision." She asked for a supervisor and was told the same thing. She asked for the executives phone number and was told it was not to be given out. When she explained we could meet the 2% of balance due as in the past, she was told it was too bad but that it was being raised to 5%.

I got a letter from Chase saying they are raising my APR to 14.99% from 9.99%. I have had this card for 5+ years and been in good standing for the whole duration. No reason was given; nothing. They're just raising my rates. What is my recourse?

I have been a Chase customer when they took over the bank I was previously with. I had two credit cards they assumed, but have been with Chase for several years. I used convenience checks that have a fixed rate of $3.99 or $4.99 for the life of the loan to pay off other balances. I have been faithfully paying them for a couple of years, never defaulting, but adding to them with convenience checks also on fixed rates and paying other higher interest loans off. I received no notice (I went through all of my documentation) that they were raising the minimum payment from 2% to 5%. There is no way I can pay that. If I could, I wouldn't have had the loans in the first place.

Increased minimum payment from 2% to 5%. I am on a budget like most Americans. I do not have an extra $300 a month to make a larger payment. A class action suit is in order.

The payment amount went from 2% of the balance to 5% and that makes a payment on the balance owed from $143.00 last month, and they are now putting the monthly payment to $353.00, a difference of $210.00. Instead of the bailout of banks helping the consumer, they are making a hardship. After contacting them, they said they sent the change in terms in the mail and I have received several in the mail but they are small print and hard to read. I usually call the companies and ask if the change is a monthly fee, which I feel do not want to occur.

I, like many others, have just been hit with the 5% minimum payment increase on the monthly credit card payment. I'm in good standing with this company, always paying on time and so on. I was promised low monthly payments for balance transfers for the life of the term (until paid off). Through the years, Chase has taken over all of my credit cards. I remember when I applied for a Chase credit card many years ago, I was refused. So, I obtained credit from other companies and had low APR's and was in excellent standing with them. In fact, let the record show that I proudly have an excellent credit score!

I am a Chase cardholder. I got my August statement and my payment went from $290 to $721 a month. When I called, I was advised of a new policy (increasing the monthly payment from 2% to 5% of the unpaid balance). They advised that they sent me a notice and I should have received it August 3rd which we can't confirm, one month, not even a month's notice. We are retired and on a fixed income. We have always made our payment on time, and there is no way we can pay this kind of increase. We didn't plan on this nor did we ever suspect it could be done legally. In researching this, I find that they are trying to beat the 2010 Federal Reserve mandate that they cannot do this. It's criminal that they can do this and if we don't pay it, they simply increase the interest rate and it will ruin our credit. If there is a class action suit, I would be interested in participation.

I have had a Washington Mutual card for several years, always making the payment on time and more often, than not, paying more than the minimum amount due. I received a letter from Chase Bank stating that my card had been cancelled. My interest rate increased considerably and my minimum monthly payment went up by a hundred dollars. Chase stated that my card was cancelled due to 3 reasons stated in their "generic" letter, which from what I've read on this site, were the same 3 reasons that others have received (Total available credit on bankcards too low, too few open accounts with time on file greater than 24 months and too few accounts paid as agreed compared to total accounts). Chase is the only revolving credit card that I have.

Like the thousands of other customers who have taken the time to issue a complaint on this website, I was a WaMu Card holder. I have two accounts, both with high credit limits and fairly high balances. I, like others, always paid on time or early and always paid more than the account balance. One day, I looked at my statement and saw the interest rate went from 11.99% to 29.99%! I intended to contact someone as soon as my "busy travel season" ended with my company. I always keep a journal with me that notes all 15 of my credit accounts (mortgage, credit cards, car loans, etc.). I had marked one of my two accounts paid for July 14, 2009 and went on a week-long business trip.

Chase has raised my minimum monthly payment from 2% to 5%. For years they sent me low APR offers for the life of the loans. Now, since they are actually following through on keeping these low interest rates, they have now raised the minimum monthly payment. When I accepted these loans on their card, it was never made clear to me that they would raise the minimum monthly payment.

I became a WaMu customer in 2006 and have been a good customer of the company since then. I knew as soon as Chase took away the free credit report that WaMu provided to customers on a monthly basis, things were going to become complicated and miserly. Today, I received a letter from Chase stating that they were decreasing my credit line by approximately $900. I have never made a late payment. I have always stayed under my credit limit. I pay my balance off in full and at the time of the decrease, I had a balance that was 5% of my total credit line.

In error during the month of June, I paid Chase a balance that was owed on another credit card held by Chase. So, one card was paid that did not have a balance. I called when I realized the error and was told they would send a check in two weeks. I did not receive the check and received my next bill, which showed they paid me. They did not pay me the $336.88. So I called, only to be told that I would have to wait another 10-14 days. I think that means they will have my money for 10-12 weeks for free. This should be against the law. He had a very flippant attitude, as if it is a no big deal. I want my money when they send me a bill. I remit immediately and would like the same courtesy.

I have 3 Chase accounts - $2,700 on one, $1,800 and $1,100 on another. I have been paying them on time for years, with the low interest rate until they are paid off offers, but I was shocked when I saw my statement in August as all three of their minimums have tripled. I can't afford that. So when I called, the Chase guy said I needed to close them and call another number. I plan to call the other number and close them because with my hours cut at work, fuel and housing expenses going up, schooling for my child increasing, not being able to find part-time work, there is no way I can afford that. It's shameful that they are doing this to the consumers who have supported them all these years. I got the June notice, but I thought it read that only the newer balance transfers would be affected and that my accounts were safe because I thought I had them until the paid off agreement.

I sent a letter to Chase which I mailed on July 12th with an agreement from Daniel ** that they would reinstate my interest rate at the fixed rate promised of 6.99%. I got my latest bill today, and it was still at 17.24%, no change. I called again today, August 10th, and according to Mark, it was not reinstated because Chase waived the increase in Sept. of 2008. However, the error at that time was again Chase's due to the fact they had a system error and my payment was posted one day late. Therefore, according to Mark, since the account was reinstated back in Sept, Chase would not allow another reinstatement no matter what the circumstances. Please help.

After being a great customer for 5 years (started as Providian then WaMu and now Chase), on time payments and over the minimum payments and now having a 0 balance because I paid it off, Chase decides to cancel my credit card due to 3 reasons that just do not make any sense at all. I just can't believe they would do this all of a sudden. I bank with them as well (well, with WaMu in the beginning) and I just might be going somewhere else for my banking needs.

I have a Chase credit card with a special 0% interest rate for 15 months and have paid on time and much more than the minimum payment each month! On August 7, 2009, I received a statement in the mail stating that my payment for July was late and they charged me a late fee and raised my rate to 7%! I called and they said there is nothing they can do to change the rate or the increase because it is in my contract. I believe this is fraud and they intentionally withheld my statement so they would not be locked into the promised rate for 15 months, taking them through the new laws passed but not going into effect until early 2010! The CC companies are intentionally rushing to cover their behinds before they are required by law to treat customers in a fair manner.

Chase raised my minimum payment on one of my credit card accounts from 2% to 5%, even though the account is closed and I make my payments on time. When I called to complain, the customer service rep claimed that Chase could have raised the payment to 50% or 100% if they wanted to and demand payment of the full balance if they felt like it. They do, indeed, seem to want to Chase customers away.

I have two credit cards through Chase which I acquired when it was WaMu. I had perfect payments and paid more than minimum payments every month. Well, then they switched over to Chase and then things went downhill. They raised my minimum payment, and my percent interest. I never even got close to my credit limit. Then one day out of the blue, I got a letter telling me that after careful consideration due to information obtained from Experian, they had to close my accounts due to three reasons, which are the same bogus reasons everyone else's seemed to get closed over.

After having my Chase/WaMu accounts closed for whatever reasons Chase could come up with, my credit score dropped from 743 to 665. Never late, low balances, never over 1/3 of the limit. Thank you Chase. This will become a classic case of what goes around comes around, when all of the dust has settled from your heartless and self-centered abuse of good and upstanding credit card holders, who just happened to become victims of WaMu failing, and being acquired by a bank who could not care less about who we are or what we are. Just another closed account number to you. We will see what happens when your offers of credit begin to come back when times get better. Count me out. Consequences: I took a big hit on my credit score for no reason.

I have a credit card through Chase, which I acquired when it was WaMu. I had perfect payments and double payments most months. I loved their credit tracker feature. Well, they switched over to Chase and then things went downhill. They raised my minimum payment. I never even got close to my $3,000 credit limit. Then one day, out of the blue, I got a letter telling me that after careful consideration due to information obtained from Experian, they had to close my account due to three reasons, which are the same bogus reasons everyone else seemed to get closed over. I've never been late and I've paid more than the minimum payment most of the time. This better not hurt my credit score in anyway! I've been very disciplined with my money and the way I use my card, so I don't think I should be treated like I didn't intend on paying what I owed in the first place!

It would seem that Chase is making an effort to chase away over one million account holders. They have target individuals who have a balance transfer amount with a low interest rate until it is paid off. These accounts have had their minimum monthly payment raised from 2% to 5%. They are also targeting accounts which have low balances from month to month or the balance is paid off in full each month. These accounts are having their interest rate raised or are simply being closed outright by Chase. If the account executives at Chase wish to reduce their monthly revenue by having a million accounts closed due to their obnoxious actions, then by all means everyone, help them out and pay off your account and close it. I did.

I received a letter that Chase Bank was going to raise my minimum balance on August 6th because of information on my credit report. The next day, August 7th, I received my statement and my minimum payment increased from $320 to $830. I have another Chase credit card account too and I am fearful that it too will rise. I checked my credit report and there is nothing negative on the report. I have always made all my payment on time and never late. I also have not charged anything on this card for a long time and had been paying down the balance which grew because of family illness and college tuition. This was all before the economic crisis.

Chase closed my account for completely bogus reasons and when I called for more information, I was told that is was already done and there is nothing I can do about it. I called them back and cancelled my other Chase card and let them know I'm not interested in being a Chase customer at all... for anything. This was my oldest major card and I was concerned that it would affect my credit score. They didn't care at all. The card was originally a Providian card which of course was then purchased by WaMu. It looks like Chase is not interested in any of the WaMu credit card customers. They just wanted the deposits of the bank. I hope someone looks at this further. I will do my part to make sure that everyone I meet knows that Chase is a terrible company for customer service and that they are not a company to be associated with.

Chase credit card raised my minimum payment to 5%. My credit card balance has a fixed rate for the life of the loan. Using that minimum payment, the balance will be paid off in about 16 months. My payment went up from $310.00 to $758.00. I hate this when someone changed the term and caught me off balance. I believe I am not the only one who have this issue.

Unfortunately, I am in the same boat as everyone else. I had a Providian, then WaMu, then Chase card, a second WaMu card and a Toys"R"Us card (also owned by Chase). All 3 were closed on July 14, 2009. All 3 were in good standing, had only 1/2 the amount of limit and were closed because of my credit report. I have had 2 of those cards for almost 10 years. The limits continued to be raised and I was never late on the cards.

Chase raised my minimum monthly payment from 2% to 5%. My minimum payment tripled. Like everyone else, I've never been late with my payments and pay more than the monthly minimum payment. I thought at first that a big mistake had been made. I called to talk to the customer rep with Chase and they told me that they had two phone numbers for debt consolidation that I could call if I had a problem paying my monthly payment. I was still ticked about this and called to close my other Chase card that had no balance on it.

How is this legal? After reading story after story of how Chase has sabotaged ex-WaMu accounts, I sincerely hope some attorney somewhere gets some justice for us hard-working, taxpaying individuals! I got a notice in June that my interest rate was going up or I needed to close my account. I wanted and needed this line of credit, so I opted to keep the account open and pay the higher interest rate. We pay far above the minimum payment each month on time. I got a letter 2 days ago from Chase saying they closed my account for 3 different reasons based on Experian’s data. This is similar to many other consumers’ situations. So, not only did Chase increase my interest rate, but they closed my account. And we as middle-class Americans have to sit back and take this fraudulent abuse as our financial stability and peace of mind deteriorate.

I have had several Chase credit cards for years and have always paid on time. I have two cards that I use for long-term debts with a low APR and two affinity cards with Marriott and Continental which I pay off every month. For one of the long-term cards, I received a change in notice alerting me the APR for purchases will be going from 5.24% to 12.24%. I could opt out of the changes by cancelling my card before a specified date. I have no problem with this as I was actually expecting it. I called customer service to confirm my options, specifically if I could make charges until the opt-out date and receive the existing APR, and then cancel the card and keep that same rate.

I am fairly new to the credit game and have done a lot to bring my score up. I have an average score, about a 690, I believe. And to boost it, everything I read said to get a credit card. On Mint.com, they recommended me for the Chase Rewards card; and I applied. A few weeks later, I got a call saying with my credit history, they could approve me for $500. That was fine with me. I was going to use it for business. That's it. I got my approval letter saying I had 3 (or 6?) months of 0.00% APR, and then it would jump up to 24%. I talked to my husband about it, and we decided since my balance would be low, then that was fine.

Over the course of a month, I have been in correspondence with Chase regarding the doubling of my credit card interest rate from 8.99% to 15.24%. The only option I was given was to accept the rate increase, or if I decline it, my account would automatically be closed. I disputed the increase and in a letter dated August 3, 2009, I was informed by Chase that my account was closed per my request. That is a bold-face lie. In my last letter, of which I have a copy, I clearly stated, "I don't want to close my account. I want to keep the 8.99% and remain a Chase customer." This was done in violation of my expressed desire, but is listed on my credit report as closed 'per my request', another falsehood. My credit is now affected by a closing I didn't authorize or want, and not by default or lack for payment, rather at Chase's whim.

Interest rate shot up to 31.99% for no reason. I was warned to close the account or else. I did not know this until after the fact. I tried several times asking for explanation and help with the APR and was told no. Chase reps are very rude and were of no help. Last month they closed the account and still kept the high rate. They got their cake and got to eat it, too. I have decided to stop paying. They called me today - still they will not help with APR. I asked to speak with someone with authority. I was even told I could go to the president and it didn't matter. I want to pay what I owe, but I can't afford the new rate. I can't keep up. When this was WaMu, everything was good! No problems. Chase took over and it went to **. What happened to all that government money they got? That was our tax dollars.

A few days ago, I received a letter dated July 29, 2009 saying that "after careful consideration" they were closing my account. I've had this account for more than 10 years (first through Providian and then WAMU). I never gotten close to the balance and never made a late payment. In fact, they continually raised my credit limit! The reasons given are utter **. 1) Bankcard balance grew too fast compared to credit limit and time on file; 2) Too few accounts with time on file greater than 36 months; 3) Total available credit on bankcards is too low.

I paid off a balance of $359 in May for a BP Credit Card. I called back to verify the balance and was told I had a zero balance. A few weeks ago, I got an alert from my credit monitoring service that my credit score had dropped approximately 70 points. Upon further investigation, I learned that a $5.68 balance that was on my Chase card, which reportedly stemmed from interest on the average daily balance before it was paid off, showed over 30 days past due. I was never contacted by Chase by phone and I was unaware of this balance.

I've been banking with WAMU since 2004. I have checking, saving, CD, and credit card with WAMU. Now that Chase took over WAMU, Chase canceled my credit card without any notice. On July 15, 2009, I was trying to purchase an item at a gas station with my credit card and it got declined! It was really embarrassing. I called Chase’s customer care and the representative wasn't helpful at all. He said, "I can't give you the detailed information why your card's been canceled. Just wait for the letter for the explanation." I received the letter about a week later. The reason my credit card is canceled is because the length of the account is not long enough.

I have been a Chase credit card holder back to Providian times, then WaMu and finally Chase. I had my two cards for over ten years, never exceeding the credit lines, never missing a payment and always paying more than the scheduled payment. Recently, they reduced the lines on both cards, then cancelled me, while current and well under the limit saying I had too many cards with balances. It should be noted that all credit accounts are maintained "as agreed" with excellent payment records. I called Chase and was treated rudely. I asked for a lower interest rate and was told that they could not do that. This will affect my credit scores, which, until now, have been in the mid to high 700's. How can they do this, ruining a person's credit standing and raping us with rates at 31%? This is an outrage and a big part of what is wrong with our economy today.

I paid my Chase card online on time and above the minimum. The next thing I know, they're hitting me with a 27.74% APR and a late payment fee saying they never received payment. Also, the minimum payment went up to $800. Has anyone else been scammed by them in this manner?

I have had a credit card through Providian for 20 years plus. They turned or sold or whatever my account to WaMu then I guess they folded and they gave my account to Chase. I had a balance in May '09 of $1300. So I called them and paid them off in full. I have a statement dated June that says I owe 0. Since then, they have placed some sort $1 finance charge on my account that was paid in full and since I didn't pay that fee. They canceled my account saying I voluntarily closed my account. I didn't close the account. When I called them, I get a runaround. Now I have an outstanding statement on my credit report. They said they cannot take that off my credit report, not even if I pay them a dollar that I didn't know I owed. I'm so confused.

I had a Chase credit card and paid all my bills on time. Then, I just got a notice in the mail telling me that they would close my account because of my credit report issued by Experian. I checked it and my credit history is clean - no derogatory notes. My score is 720, but I guess it’s no good for Chase. What a bunch of losers. I will check to see a different bank that would treat me with respect and dignity and not this bunch of arrogant losers.

All of the WaMu credit card "WaMuClosure1" people are innocent victims of a scam by Chase Bank. I think Chase Bank had this plan of jacking up the rates and closing the accounts since day one of the Washington Mutual purchase. This is one of the reasons their investment banking department is showing profit of over $2.7 billion last quarter. They know how to bypass any laws that congress tries to put in their way, and they used you to do it. Here's how simple it was for them to bypass the loan shark laws in the US. It only took three steps. First, buy up Washington Mutual from the courts for a very low cost after it goes into default. Then, raise the rates on every credit card account they are planning to use for this scheme. Then, they close the accounts, effectively changing them from credit card accounts to high interest loans.

So, I was the one who inspired the article by Bob Sullivan at MSNBC on his Red Tape Chronicles blog. After the article appeared on 7/31/09, I sent a copy to the CEO of Chase, Jamie Dimon, and within one hour I received a call from Chase's executive office. Long story short, today I was able to get Chase to make a "special exception" to reinstate my accounts, but drop my credit limits to $300 above my current balance. Since both of my cards were between 50% and 85% of my available credit, the drop was a mere $300 on each card. The funny thing is had I had a zero balance, my credit limit would have been $300, but since my balance was $3400, my new limit is $3700. Makes sense, doesn't it? Yeah, right!

I have been a customer of Chase/WaMu for years which includes two credit cards and checking/savings accounts. I have been a great customer, keeping a low to no balance on my credit cards. While I was checking my accounts, I noticed that my credit card limits were nearly cut in half. I called WaMu and all they could tell me was "due to the credit bureau," your limit has been decreased and they reserve the right to make any changes on the account at any time. I argued with them, but of course, got nowhere.

Credit card company raised my minimum payment from $261 to $682 per month. I have paid on time and have paid more than the minimum. I cannot afford this increase and contacted Chase twice in an attempt to work out a payment schedule so as to not default on my account. I stressed the fact that I am willing to pay, but can't pay that high amount. No results. I was told that it was a non-negotiable item. Chase used a bait-and-switch tactic in that they baited me with their balance transfer offer and then switched the agreed upon terms to cause devastation to me and my credit rating. I will have to default on this credit card. It will ruin my stellar credit rating. If I were to pay the new minimum, I would have to eliminate some other payment, such as rent (become homeless), medication (become hospitalized), and food (starvation and medical issues). I only have limited income and something will have to give. What recourse do I have?

Yesterday, I received notice that Chase Bank was cancelling my credit card. It was previously a WaMu card that Chase bought. They listed 3 reasons for cancelling bankcard: available credit on other cards too low, too few accounts paid as agreed compared to other accounts, too few open accounts with time on file for greater than 24 months. All of their reasons listed are false. I have always paid more than the requested monthly payment due on over 5 other credit cards, Chase included. I have only one negative score on my credit report from 5 years ago and that was not my account. My house payment and bank notes have never been late and I have paid off 3 homes and probably 20 bank notes in the last 20 years all on time or before even due. I have never missed a payment or been late on anything that I am aware of. I guess they just don't want my business and I see they are doing this to quite a few from reading the complaints

I had a WaMu credit card w/ a $7,500 credit line. My balance is $250. I always pay over the minimum amt. due and always on time. I received a letter from Chase on 8/4/09 stating that because of my "Experian Credit Report," Chase has reduced my line of credit from $7500 to $3900. My credit has not changed. In fact, it is much stronger. My current credit score is in the 700s. How can they be allowed to risk our credit scores? I have not paid late on any of my credit accounts. My Experian credit report reflects that as well. There was no inquiry for Chase Bank on my credit report either. These creditors are putting those of us who currently have good credit rating at risk. How are they allowed to do this? If customers are paying their bills on time and over the minimum due, why is Chase being allowed to conduct themselves in this matter? This is a bad tactic used by Chase to weed down their portfolios at the customer's credit expense. I have not given Chase Bank any reason to lower my credit line.

I have had 2 Chase cards for years and payments are prompt. My minimum payment has been 2% of the outstanding balance. In August 2009, my minimum payment jumped to 5% of the outstanding balance, more than doubling the actual monthly payment. I called Chase, was on hold for several minutes while he "researched" the matter. Once back on the line, the Chase rep explained that these are difficult times for "everyone" and the bank needed a bigger payment from me, so "they" decided to raise my minimum payment percent from 2% to 5%. I am absolutely outraged, needless to say. When I asked if this was legal, he replied that their decision was in compliance with the laws. So, how do we change the laws?

Chase MasterCard is no longer reporting my entire credit limit, which is $20,100. They only report my used credit amounts when reporting to the 3 credit bureaus, which can range from $0-$2000 on any given month. I rarely carry a balance, but if checked mid-month, it will show a small balance; and it looks like that's my entire credit limit on the card. Since changing this to this practice in 2008, my credit score has gone from 812 to 754. This is the only reason it would have been reduced. There are no late payments on anything, and my situation has not changed. I am hoping that they can be forced to report the entire credit limit when Obama's new credit card restrictions are in force in 2010.

I have been with Chase now for 4 years. I had 0% APR for about a year, then it went to 8.99% for about 2 years. And now, just recently, they raised it to 15.24%. When I called Chase to see if they could lower my rate, they said, "During the hard economic times, we are having trouble lending people money. So we had to raise the rate." Now, to me, this makes no sense! People are trying to give them their money back, and then, they raise the rate so they have an even harder time!

I have a Visa credit card with Washington Mutual/Chase and had never been late and paid more than the minimum balance. I was two days late due to an oversight and my interest rate tripled from 10% to 30%. Since I had begun to make automatic payments through my bank, I didn't notice the hike or the increase in payment amount. Consequently, I was charged over $700 in interest and fees over a three-month period!

Chase lowered my balance from $1500 to $800 for no reason. I was a former WaMu customer. It has possible damage to my credit.

Anybody who reads the posts here will agree; what Chase Bank did was immoral, dishonest, ruthless, un-American, and just plain mean. If what Chase Bank did was also not illegal, it should be. The only way to find out is to file complaints and send messages. They had other choices when deciding how to close these accounts. A letter saying "We will be closing this account in 30 days and are setting the maximum per-day spending limit to $100.00" would have been fine. People would have not liked it too much, but it would be morally correct and not as bad as what they chose to do.

Chase let me purchase roundtrip tickets to Alaska, and the day I arrived in anchorage, Chase cut my credit line to where I was over my limit after they let me purchase the airline tickets. Therefore, I couldn't buy any gifts to bring back from Alaska. I'm over 6000 miles for nothing and out almost $1000 for nothing. No car rental, no gifts, no credit line. I feel like I've been ** on again by Chase! If it hadn't been for family coming to my rescue, I would have been sleeping on a sidewalk in Alaska! The least Chase could have done would have been to cut my credit line before I purchase the non-refundable tickets to Alaska. Now, all I have to show for my trip up there is a larger debt to Chase.

I have three accounts with Chase, all of which I have had for at least 4 years. I have always made payments on time and always paid more than the minimum. My rates on all my cards were jacked up and Chase states there are no other rate options available. One of these accounts was a WaMu account. The rate was almost tripled. I called Chase and asked them why. They stated they would not change the rate or review the account because it was new and they would not review for six months. I paid off the entire balance. I then received a letter from Chase stating they were closing the account because the balance grew too fast (which it did not) and because there were too few accounts with time on file for greater than 36 months. There are somewhere between 14 and 17 accounts on my credit report. Only one of them has been open less than 3 years.

I have the same story as many of you. These jerk-offs cancelled my credit card with no prior notice. I had my card declined at the hotel I was staying at over the weekend. I thought that was strange since I had over $2000 of available credit on the card. I called to find out what the problem was, but it was a Saturday so there was no live person available to help me. But I was able to confirm that my balance was correct. I just figured that the hotel had made a mistake. Then, when I got home, waiting in my mailbox was my notice of cancellation letter. It had the same ** reasons for cancellation as many of you have already stated. I am absolutely outraged! This will negatively affect my credit when I am in the middle of trying to re-finance my mortgage! Please let me know when the class-action lawsuit gets off the ground or what needs to be done to get one going!

Chase almost tripled my interest rate from 12.24% to 29.99% overnight! I was 2 days late making my June Payment. I have been a Chase customer since 1998 and I do not have a history of late payments. I called their customer service line and was told that due to Congressional activity, Chase is no longer able to lower anyone’s interest rates! This move by Chase makes it difficult to pay more than the minimum amount due! Effectively hamstringing me from paying it off!

My credit card interest rate was hiked to a 29.90% and then closed. I have paid this credit card on time. This is not fair. I paid them on time, even when my husband was laid off. Please help do some.

After having a credit card for 9 years, never having a single late payment, and 95% of the time paying more than the minimum due, the card was cancelled without warning. This card, like many others, used to be with WaMu and prior to that, with Providian. Not only is this inconvenient, but it screws up our credit by reducing the amount of available credit and closing an account that we have a 9-year history with.

I went on vacation in Europe and when I returned, I collected my mail, which had been on hold, and paid my bills. A short time later, I received a late notice from Chase. When I looked at the bills I had received while away, I noticed that I had not received one from Chase on either of my accounts. Now, Chase is saying it's not their problem and charging me $39.00 per card. I find this an interesting way to make money. When I called them, they basically told me to go to hell. I cancelled both my accounts. Chase made a stupid decision here. In an attempt to rip me off for $78.00, they lost all of the revenue they would have made on interest on my cards which I am now paying off. Are these guys criminals and poor businessmen or what?

I have been a loyal Washington Mutual customer for over 15 years. When they were bought out by JP Morgan Chase, I knew that there would be changes to their policies and procedures, but was resolved to not change banks because of the overall hassle involved. However, due to the policies Chase has enacted with both my bank accounts and my credit card, I am more than willing to deal with the inconvenience of moving my money and my credit to another bank, if only to make a statement about how horrible this company is to work with.

I received a letter notifying me that my credit card was cancelled two weeks prior. I have never had a late payment or overage on this account and I was shocked and dismayed that they made this decision. My account was acquired with WaMu which was then taken over by Chase. The letter claimed I had too few accounts paid as agreed (a lie), available credit on cards were low (**), too few accounts open for 24 months. All are a pack of lies. I say good riddance to bad business. I am going to close my checking account with Chase and end any relationship I have had with this lousy institution.

Two years ago, I applied for a credit card with WaMu and received the card with a $2500 limit and a 12% interest rate. All was good for two years. I paid my bill on time and even brought it to a zero balance. Recently, Chase bought WaMu. First, Chase raised my rate to 20.24%! I thought, "Well, that's nice; at least there's a zero balance." Well, guess what? None of that matters because they cancelled my card. I called them and they read me the standard apology script, saying that "the decision was due in whole or in part to the credit reporting agency." I told them that that was funny. My credit score has actually increased over the past two years! Chase and their big business practices are poor at best. These idiots are actually trying to entice me to open an account at one of their bank branches with a $100 bonus. The closest branch is over an hour away.

This looks like Chase's common business pratice. I got the same letter saying that they had closed my account due to "too few accounts paid as agreed." I went into panic mode thinking my identity had been stolen and pulled my Experian credit report. The report showed 24 accounts in my nine year history, all paid as agreed. My credit score had actually increased 20 points over the previous month.

Like many other former WaMu credit card holders, Chase has closed my account and dropped my available credit by $8,000. This will have a severe impact on my credit scores and possibly trigger a cascade of actions from other credit providers. What can we do as consumers to cause Chase a little pain? I say we hit them with a ton of legal inquiries, requests for old statements, etc. that will cost them money. If the hundreds of thousands of users whom they are mistreating would do this, it will cost them plenty. They are "legally" obligated to comply with your requests. Any other idea?

The same thing that has happened to what appears to be millions of consumers. We are out to dinner and our credit card is declined. Lovely. Then, if you look at my credit report, my account is current/in good standing. What! You call them and they will not speak to you, except to tell you that it is Experian's fault. Who works for a company like this? Does no one have ethics? Disgusting to say the least. The truly funny thing is that my mortgage is with Chase. They will trust me to pay a thirty year mortgage but not a silly $5,000 limit credit card. Sinners every one.

Chase closed my credit card account even though all payments were always on-time (early) and were always more than the minimum due (usually in full). I found out when I tried to use the card (which had a credit balance at the time). After it was mysteriously declined, I called customer service and was told I should have received a letter, which came a week later. This is insane, but you can bet I will never give Chase business again. And I am encouraging all family and friends to sever ties with Chase. My available credit was reduced by $2K. And my credit score suffered. Thanks Chase! Karma, she is not such a nice lady (remember that Chase).

I have had Chase credit cards for over 10 years. Always paid on time. Never an issue. Less than half of the limits on both. When I broke my finger and got pretty banged up coming off a horse, I was given Percocet for the pain as it was so bad. I missed payment by 12 hours because I forgot it (due to drugs and pain). Chase said, "Oh, too bad, there's nothing we can do," and jacked up my interest rates to almost 20 percent from 4.99 percent. Is this a company that my tax dollars are bailing out? You have got to be kidding me. They mess up in the billions of dollars, we give them more at super cheap interest rate, and then they turn around and jack mine for one missed payment and by 12 hours!

On August 5, 2009, I received a call from Amber House at Chase. She was the supervisor from the last two people I spoke with. She once again gave me resolution to my request. I was told that nothing can be done. I explained that I was a 10-year paying customer with Chase at a 7.99% fixed rate for the life of the card, since I was a premier customer and my rate was that for all those years. I noticed that now my rate is 11.99% APR, and so, I questioned that and wanted to be back to the 7.99% fixed to what I agreed to.

I have held a WAMU credit card for several years and have been paying this card on auto pay from a different bank. The payment is sent and received on the 2nd of every month. When Chase took over WAMU, it changed the late fee date to the 28th of the previous month and assessing me a $39.00 late fee every month, until I caught it on the 2nd of August. I have not used this card in a year and have paid an amount several hundred dollars over the amount due and I assumed this could be taken care of over the phone. Wrong! I was told by a customer disservice representative that I was sent a notice stating this change. Unless it was in a fine print on a statement, I never received it. I work out of the country and rarely see my paper statements and rely on auto bill pay from my bank to pay all of my bills.

I have the best credit and I owe nothing on my credit card. I received a letter from Chase notifying me that my limit decreased from $10,500 down to $5,300. This is the worst credit card company on earth. I don't have the pleasure to have a Chase credit card but they bought the card I have from another company. Please help me to find where I can file a complaint against these monsters with the state. Thank you for your cooperation.

I, too, received letters stating that my Chase credit card limits have been lowered. However, these letters are dated after I called Chase to ask why online, my credit card limits have been lowered. The customer service rep told me that according to Experian credit report, "too few accounts are showing as paid as agreed". I, of course, pulled my credit report and I have a total of 54 accounts over the past 15 years with all reporting either paid satisfactorily or paid as agreed, in addition to my credit score of 745. Chase is lying to their customers and making up reasons for changing customers' accounts.

I too have been hoodwinked by Chase Bank. I immediately contacted Chase after suffering the embarrassment of having my card declined for a small purchase, only to be told that my card had been cancelled. For what? Paying them on time? Yes, I've had some credit issues in years past and I've worked hard to recover. Chase has decided to reward all of my hard work by jacking up my APR to 12% and closing my account without notice. It's not supposed to work this way. Two weeks have passed since I discovered that my Chase account had been closed. I have yet to receive a letter of notification from Chase. This can't be legal. For those of you who have been affected by Chase's immoral business practices, keep your heads up. They can't keep up down forever. My credit score will drop. My dream of purchasing another home this year is now out of reach.

I am so glad I set up the phone alert for my Chase Bank Card. I received an alert that there was less than $700 available allowance on my account. Funny thing, the credit limit without warning went from $1,500 to $500 overnight. Without the alert, I would have used that card for a $400 repair and would have been nailed with an over the limit fee. I will be filing complaints against Chase with the Better Business Bureau, the NY State Attorney, and on my blog.

Years ago, I went through financial difficulties and keep only one credit card (now Chase). I have always paid them more than they asked for and was never late. When I went to use my credit card on July 27th, I was informed that it was closed on July 21st and I would have to wait for a letter to come in the mail for the reasons. This really turns my guts because my minimum payment due was $100.00-$150.00 but I always sent $500 or more because I used it regularly. I received a letter from Chase on Aug 1st and it was dated July 29th. The letter stated "total available credit on bank cards too low", "current or history of past due or public record item" & "too few accounts paid as agreed compared to all accounts." As stated earlier, I did have issues years ago but have paid them on time. I would love to know where they got their information from, because on July 28th, I got all 3 credit bureau reports and there were no inquires, even though they stated that the information came from Experian (TRW). When you call them, they give the same generic speeches of how they are protecting themselves. What about us, consumers? Don't we deserve to be looked at as individuals? Are we never allowed a second chance? How is this fair to pay now for things that happened years ago?

I have paid all my bills religiously! Then, I have two credit cards from Chase. They sent me a notice that one card was closed and another one that was open! The interest rate would be raised to almost 30 percent because of of a credit check from Experian! I called Experian and they said that they have been overworked with all of the bogus accusations. I called Chase back and told them not only did they lie, but they also raised my interest rate. Then, lowering my balance makes it look bad for creditors - that they will and are going to be responsible, and should be accountable for some poor person! Not me! People don't need any more frustrations. Let us destroy the credit and their scores. What a bunch of crap! People, stand up and get rid of Chase's practices now.

Like many others I have read on here regarding Chase, I, too, found out the hard way that both my WaMu/Chase cards had been closed. I only had them for about two years but I always paid on time and always paid much more than the minimum. I had recently remodeled my house and had high balances but that was for a short time. I called to find out the issue and they said it was due to my Experian credit report. I received a letter about two weeks afterwards stating balances too high and other **.

In August 4, 2009, my mother wanted to gas up her vehicle. She decided to use her Chase credit card. I inserted the card and her card was denied. We called Chase customer service to ask why and how this could happen. My mother and father had this card for at least 25 years. My father passed away and now the card is in my mother's name. Not once has my mother been late on a payment. She has a credit limit of several thousand dollars and cash limit of several thousand dollars. She is a firm believer in paying the balance due every month.

On July 18, Chase cancelled my credit card without any notification. My card was originally with WaMu until Chase acquired them. Shortly after, Chase sent a letter stating that they were going to raise the APR. We had a choice to either cancel the card or accept the new terms. We accepted the new terms. We have always made our payments on time and always paid more than the minimum. We went on vacation, had dinner and gave the waitress the Chase card. She brought it back saying it was declined. We paid our bill and called Chase to inquire as to the problem and were rudely told we would receive a letter explaining why. We are still waiting for that letter. I understand that we were not the only customers that were affected by this callous disregard for basic customer consideration. But what recourse do we have?

It looks like I'm joining a big crowd of people whose credit card was taken over by Chase, who have available money on their credit lines, who pay on time and more than the minimum due and yet, with no notice, their credit cards are cancelled. We were on vacation when my charge was denied. Upon arriving at home, I checked my account online and all looked fine. No notice of a closed account was posted there. At the time, I guessed that the declining merchant had made some sort of mistake. Then, a day later, I received the notice of cancellation letter. I am furious and don't see what justification Chase has for cancellation. All my cards are paid on time and more than the minimum payment. My renewal date is more than a year away. How can Chase just void a contractual agreement like this?

I paid my Chase Rewards bill recently (in full, like I usually do), several days before the "due by" date. Chase claims that they "received" the payment one day late. Between interest and the late fee, Chase made about $100 off of my "late" payment. Due to the double billing cycle business, they will also charge me interest on anything that I am stupid enough to charge on this credit card in the current month.

Like so many others, we were dropped for vague reasons. We still had available credit and maybe two late payments at the most - and these were due to the fact that they changed the days in our billing cycle. They upped our rate to 29.9% and cancelled our card. I know it is because we had been a WaMu customer first. I am getting ready to try and contact them to see if they will lower our rate. I am going to send what I can send. I really don't care what they say. My credit might not be stellar, but this is sure going to hurt it; being closed by a creditor.

Same as everyone else, WAMU/Chase's despicable practices in cancelling cards and raising rates. Not enough words to describe their actions. I could not work for this company and sleep at night. Debt, more debt, deeper hole that I am unable to see out of.

We gave Chase Bank how much bailout money and they are raising my credit card rate to 19.57%? **! What rate are we charging Chase for their loans? Let’s raise the rate. I had to cancel the card, which will go on my credit report, just because I do not agree with the rate change.

I also had a WAMU credit card account that became a Chase account. I had cut up the card and was paying the balance down, but had an unexpected move so I ordered a new card. It arrived and 3 days later, I tried to activate it (July 14, 2009) right before I picked up the moving truck and was told the account was closed. I called a customer service rep, who told me the account was closed due to a change on my credit report and that I had been sent a letter. When the letter finally arrived, it was dated after the phone conversation (July 15). They cited the following reasons: One or more accounts have high balances compared to credit limits, too many open bankcards with high balances and too few accounts paid as agreed compared to total accounts. This last reason is totally bogus as all my accounts are paid as agreed and I always pay more than the minimum if I don't pay the card off at the end of the month. I use myfico.com and I have no accounts listed, which are not paid as agreed.

My complaint is much like all the other “WaMu Closure1” victims. I had my WaMu card for years and loved it (and the free FICO score access). I never had a late payment and never went over my limit - I paid off my balance in full every month. As promised, Chase mailed me my new Chase Bank card in mid-July to replace my WaMu card. When I called to activate my card, I was told by an automated system that my account had been closed. Why would they send me a new card if my account was being closed? That’s weird (on top of stupid). I spoke with two different customer service reps. To be fair, neither one was terribly rude to me and I was told a letter had been mailed to me with the reasons. Customer service rep # 2 read me the reasons on the letter I received later on: total available credit on bank cards is too low; too few accounts paid as agreed compared to total accounts; and too few open accounts with time on file greater than 24 months.

Let's make a stand together! Step 1, remove all funds and close all accounts. Step 2, stop paying your credit card bill if you can. They are already dinging your credit score and I personally have great credit but don't see why I should anymore, so I'm not going to pay. Step 3, go to a sign store and have signs made that say boycott Chase, stop Chase now etc., and stand on the public street sidewalk near the Chase sign. Recruit people to hold signs. Call the news after you get a gathering. Share your story with people and get theirs and organize. I have the same story. Sixteen years with WaMu and no trouble till now.

We transferred our balances to two Washington Mutual cards last year. It was interest free for one year and then it was supposed to be 9.99%. We have been on time every month and have thousands available for credit and we always pay more than the minimum. Yesterday, we received a notice that the accounts were being closed. Today, we received a letter that they were amending our terms and increasing our interest to 21 % on both cards. Is this legal? Can they just automatically change our interest rate even though the terms of the account were for 9.99 % after the introductory rate?

I received a notice in the mail that Chase was raising my APR from 23.99% to 29.99% for no valid reason. I do admit that I went over the limit but never had been late to validate an APR increase of 6%.

Looks like I'm not alone! I just received two letters in the mail, closing both of my Chase cards. I am a former WaMu customer, with a perfect history. I've never had a late payment. I've never come close to be over my limit. One card has been paid off for a year, the other for 6 months. I try to use the cards once a month to keep active and pay off the balance each month.

I just received a notice from Chase that my credit card APR will be raised by 33+ percent. My credit is excellent, my history with them is excellent and the balance on the card is currently zero, although I have used it within the past month. The explanation presented to me on the phone was that it now costs Chase more than before to borrow money, that they do it differently than other banks, and this is how it's going to be.

I did not receive my WaMu statement for the month of April 2009. Because I know my due date, I walked into a branch and made a payment. I informed the teller I did not receive my statement, and she informed me that under Chase, my due date has been changed and I am actually late making a payment for the billing cycle. There is no way for me to know that my due date has changed without prior notification or a statement. I have been a customer first with Providian, then WaMu, and now Chase since 2004. And I have never been late until this transitional month of my statements going from WaMu to Chase.

I got a letter in the mail today dated July 29, 2009 in regards to my account. It said, "After careful consideration, we decided to close the above-named account for the following reasons..." Reasons included total available credit on bank cards too low, too few open accounts with time greater then 24 months, and average length of time since bank cards' opening too short. My limit was $3000 set by WaMu. The letter also noted at the bottom left corner "WaMuClosure1." When I called to talk to Chase, I informed them that there were no inquires on my credit report from Chase. They informed me that they don't need to do that and that they get the information a different way. But they couldn't explain how.

My experience is the same as so many others who've spoken out here, and although it's not a club, I'm happy to belong to. It makes me feel better that there are so many of us in the same boat. There is power in numbers!

Same as everyone else, I had two WaMu accounts that were both in good standing. I never had a late payment and always paid more than asked. Chase sent me the letter also stating they closed the accounts. I am in the process of looking for a home and will need a mortgage. It took me a long time after my divorce to get my credit back on track, and now, they are taking that away from me. It's just not fair. It seems to me they love the people who don't pay their bills. I know someone with a Chase account who was also a WaMu card holder. She has had late fees, and they have not closed her account. I don't care if they don't want my business. I just don't think they should be able to ruin my credit score because of it.

I had a WaMu credit card, always paid well over the minimum, never late and Chase decided to close my account without warning. I'm in the middle of purchasing a home and my lender is now wondering why my credit card was closed. They think I'm a risky borrower when the reality is Chase is just another reason why banks get a bad reputation. Your greed is affecting my life!

I had a WAMU card before the banks got into trouble and had to have the US government bail them out. Then Chase ended up with my account somehow. I got the same little form letter (dated July 29, 2009) which I have read about from so many other people; it said they were closing my account. The funny thing is that when I called to get an explanation (because I always paid more than the minimum payment), I was told by Allen ** that his records show that the account was closed on July 21, 2009. It’s funny how American unemployment rate is at an all-time high and this company elects to use foreign workers to answer the phone.

I received a letter from Chase August 3rd, the dreaded "change in terms notice". In this they informed me that my APR of 7.2% will increase to 12.2%. I've never been late on a payment and always pay more than the minimum. When I called them, they said the increase was across the board and that nothing could be done about it, and that I had until August 19 to either accept their terms or cancel my account. I exercised my right to cancel my account. Chase has proven to me that they have no loyalty to their most loyal customers. I wonder how this will serve them in the long run.

They closed my credit card account without forewarning of any kind due to circumstances which are suspect and unclear. A recurring charge on my Chase (formerly WaMu) credit card was denied. I contacted Chase who advised me that my credit card account had been closed. They informed me that Experian had sent them a credit report because I had 'excessive accounts open' and that Chase had decided I was no longer credit worthy and closed my account.

We had a zero balance on our credit card which had a $7000 limit. Two months ago, I put a $500 charge on the account and then last month I used the card for various items as we prepared for our vacation. I then paid the $500 from my previous purchase when it was due and then within a few days, without any warning, our limit was reduced. However, we had already put that much on the card, so we then incurred an over the limit fee of $39.00. What? I figured that this was an oversight and called customer service to discuss. I was hung up on twice and then a recording said, "Sorry, if we have accidentally disconnected." When I finally reached a live body, she said that she was not able to reverse the charge and I should have known the limit was reduced. I asked her how I was notified and she said that a letter was mailed out on July 11th. Well, I have yet to receive any indication of a lower limit other than what I see online and I explained that while this is not her fault, I was upset about their business practices. There is no indication in my online file that I have been sent any letters and everything else that has been mailed is indicated on there!

My account was also closed due to these reasons: available credit was too low, one or more accounts with high balances compared to credit limits, and too few open accounts with time on file greater than 24 months. I have never been late on a payment or gone over the limit on this card and am worried of this affecting my credit that I have been trying to improve over the last 5 years or more. Please help us!

I received a letter yesterday from Chase credit cards dated 7/29/09 saying that they have closed my WaMu Mastercard and gave the following reasons: Too few accounts paid as agreed compared to total accounts; Total available credit on bankcards too low; and too few open accounts with time on file greater than 24 months. I was shocked to receive this. I paid this card off in March '09 and it has a zero balance. I called Chase and the person I spoke to told me it was not them; it was Experian who checks my credit and then sends it to the credit card companies if they think I am a risk. He would not let me speak to a supervisor and he said I would have to call Experian and dispute it through them.

I never have been late and have had this card since 1996. I received a letter informing me that one or two accounts have high balances compared to credit limits. What difference does it make as long as I am making payments on time? They are the ones making the money - I don't get it! They closed my account for no reason. I wish them luck getting anymore of my money. I have been faithful to them. They have messed up my credit. I will tell everyone to never get anything with Chase.

I have had this account for 9 years. I have never been late, never defaulted on this account. I have carried a zero balance several times. Back several mos. ago, they offered a balance transfer of 3.99% like last Sept.'08. I had a very low balance at the time of this offer. So I transferred my Home Depot acct. to this Chase credit card acct. for the 3.99%. I have always paid at least my minimum payment and most of the time, more than my min. payment. Then all of a sudden, in the 1st part of June '09, Chase sent me a notice telling me they were going to raise my min. payment from $73 to $180 for no reason. Not that I've been late, they just said they have updated and changed the amendments to my agreement. But my agreement at the time I did the balance transfer was not what they are doing now! How can they just change my payment? They are not changing the interest rate, just increasing the minimum payment over double. How can they do this when there is no reason? I have never, in 9 years, been late always, had a great report with them. I'm so upset! This is not fair!

Yesterday, 8/3/2009 around 5:15 pm, I called the 1-800-283-1211 to Chase credit card company to ask my credit limit on the balance transfer checks that I received approx. a month ago. The customer representative informed me that the checks were expired on 7/31/2009. I explained to the person the check that I was holding stated that check ** must post to my account by by posting date/void date of 8/11/2009 to get the APR stated in my offer, so they were not expired. They insisted that the checks were expired and the offer no longer was available. I still have the checks.

I had a Chase credit card. Somehow, I got switched to online payments without knowing it. Next, I get a bill (not a statement of activity), just a slip saying I owed a certain amount of money. I paid it and closed my account immediately. I did not want to do business with Chase anymore. Then, I got another slip saying I owe them a certain amount of money. I paid that. Two more came and I paid them. All payments were put in the mail the day after I received them. Finally, a fourth payment slip came, and I realized I would never satisfy their billing practices. I stopped paying them and called them up and requested an account statement for the past year.

I am completely outraged by these people. I've always paid more than the minimum payment with WaMu and then with Chase - trying to correct my credit - by a complete oversight on my part, I was 2 days late. I was very upset and paid my bill immediately. Well, I received a letter that my account was closed and then, to my horror, I saw online that my APR went up to 29.99%! I'm totally upset and am writing everyone possible in the JP Morgan Chase corporate arena about this. I think it is disgusting.

My husband and I opened up a WaMu credit card months ago. Then, Chase bought out WaMu. Since we had these cards, we always paid our card bills on time. Now, Chase closed our accounts. I have read that other customers with WaMu has had their accounts closed also. Nine years ago, we filed bankruptcy, but we have paid all our bills on time since. No financial problems, that's why we were able to pay our bills on time. This is not fair, and something should be done about Chase closing WaMu customer credit cards. By Chase closing our accounts, it shows negative on our credit report. We are trying to rebuild our credit, and they shot it down.

I read what everyone has posted about their Chase credit cards. I also started out with a WaMu credit card, and I was never late till the first month Chase took over. My wife paid the bill the day it was due, only since Chase was merging with WaMu. Chase did not post the payment till the next day, charging me the late fee. After many calls, one rep finally admitted it was paid by the due date and just not posted to my account till the next day. My wife worked for Chase, and they are no better to work for.

Chase must be messing with anyone that it can before the new laws take affect at the beginning of next year, not just the WaMu people. I've been with Chase for over 12 years and in the last few months, they have closed some of my accounts, increased my interest rates, decreased my limits, and increased my payment from 2% to 5% on my balance transfer - a 150% increase. Some accounts were changed, other of my accounts have been left alone - there's no rhyme or reasoning. When I ask my family and friends about Chase, the same thing has happened to them.

I got my letter yesterday stating they were closing my account which actually was closed the day the letter was sent. I had a Providian card for 5 or 6 years now, never had a late payment and also paid over every month. I called tonight to see if they could accommodate me by lowering my interest rate or wiping part of my balance away since they were being so inconsiderate. I was told that I was not eligible for a lower interest rate because I hadn't used my card in 3 months. I laughed at the guy and said, "Oh, thanks." Now, my account is closed so I will never get a lower interest rate.

I got a letter in the mail today, dated July 29th 2009, in regards to my account. "After careful consideration, we decided to close the above-named account for the following reasons," total available credit on bankcards too low, too few open accounts with time greater than 24 months and average length of time since bankcards opening too short. My limit was $2000 set by WaMu when I got the card. So far in the year I have had the card, I have put on $1000 and it's paid with a little extra every month and on time. This hurts my chance of getting a home. It ruins my credit score and makes me look bad and I'm going to fight it. Any advice, please?

My APR increased double to 18.24%. I never missed a payment, and I pay way over the minimum each month. When I called the bank, the customer service department was rude and said it could be for any reason. They wouldn't listen to me or let me speak to a supervisor. I have excellent credit and will now use HSBC and Discover.

There must be someone who can do something about Chase. I had a WaMu account with an excellent record. After several major problems, I was late paying on my bill. Chase rocketed my interest to 29.9%. I called and stated it was more than I could pay. Their reply was basically "Sorry, but that's the rate." Even though I made the payment, the interest was so high the account was over the limit and they charged me a fee.

I am also just another victim of Chase Bank discriminating against former WaMu customers, same letter, same as everyone else. I took a little different route though besides contacting my Congressman. I took it to the local media and they are very interested in what has happened. I sent them my letters of accounts in good standing being cancelled per their request. I can only hope that this financial fiasco perpetrated by Chase Bank will come to light soon and steps will be taken to alleviate the damage done to all of us that Chase Bank has deliberately caused to our credit ratings.

On 7/31/09, I received a notice that Chase had closed my credit card account. Like others, the reasons stated were completely bogus. I called and was read the letter I received verbatim. I was then asked to order a copy of my credit report and then fax it to them for review. Uh, hello!? Isn't that supposedly what made you cancel/close my account? Anyway, I've done some research and thought that if we all get together and file a complaint with the Comptroller of the Currency Administrator of National Banks, which is the one that regulate Chase, then maybe something would happen. Please file a complaint with them.

It seems I am not the only one who got one of Chase's bogus letters canceling my WaMu credit card account due to Experian reporting. I paid timely and still had plenty of revolving credit. They want to close my account and still make me abide by the current terms and conditions associated with the account?! I think this company is highly unethical and shouldn't be allowed to do business like this. Why do my tax dollars have to help bail out companies like this, when they are the first to bail out on the citizens of this country?!

I received 2 letters from Chase that took over WaMu cards. The 1st letter was basically saying that they will make drastic changes to the policy & have my APY skyrocket and if I do not wish to be subject to the changes, I could let them know and the card would be automatically closed. The 2nd letter, very disturbing, was sent on 07/29/09 notifying me of the closure of my card for "high balances" reasons.

I have two credit cards previously with WaMu. Two weeks ago, I received a letter stating that they were decreasing my credit limit from $2,000 to $1,300. The reasons they gave were that my balances on all cards were too high. My total credit available was $4,750 and the total owed on all cards was only $1,300. That is only 27% of total available. Then, today, I received yet another letter informing me that they closed my other account that has a $2,000 limit. They gave the same reasons as indicated for the previously mentioned. I called the customer service and requested to speak with a supervisor. I was informed that a supervisor would not speak to me and that they did not have to. The rude young lady I spoke with was Yolanda. I plan on paying the cards off and closing the accounts. Never again will I do business with this company.

I have a WaMu card and just got a notice in the mail today that it has been closed. My balance was paid off in full last month and they billed me $2.76 in finance charges due 08/14/09 which I paid off last week.They closed my account on 07/21/09 and I am just now receiving a letter? This is crazy. I called Chase and they said there was nothing they could do. This is unreal. The lack of notification is despicable. It seems to me that they did an auto dump on everyone that had a previous WaMu account. This needs to be fought. It's not right. I have never missed a payment. Had I had any notification, I would have closed the account myself.

I was told shortly after the merger that the account I had been paying in good standing with WaMu, now Chase, has been cancelled. I just happened to call that day to get a balance and asked why but I was referred to Experian for my credit report. I had two monthly drafts coming out of that account and have been using it as a back up to buy supplies, etc. for my personal small business. I am a licensed massage therapist and my practice depends on quick orders, etc. They also raised my interest rate from 10% to 15.25%. This was a week or so ago and I just got a letter stating that they did. I tried to speak with customer service and all she could say was, "Sorry, all we can say is read the letter when you get it and talk to Experian."

I received a letter today that states, "After careful consideration, we have decided to close your account for the principal reasons." They state that the reason was based on information provided by Experian; however, I checked my credit report today and they are not even listed on the inquiry list. This card was formerly WaMu and the last time they are on the inquiry list is 5/28/2008. The reasons stated are inaccurate and vague such as "available credit on bankcards too low" and "average time since bankcards opening is too short." I haven't opened a new account since 2007. I have never made a late payment on any of my credit cards or anything else for that matter. They also raised my rate.

After sending the first email to Chase, I called their Customer Service number. The lady I spoke with told me the reason they raised my interest rate was due to me having gone over my credit limit in January! I asked if they could review my rate and was told I would have to be within my credit limits for six months. Then, today, while checking my card online, I find their reply email to my initial email which states the reason they raised my rate was because they claim to have sent a letter (which, as I stated to them, I never received) and due to me not opting out, my rate was doubled. Now, what idiot would not have chosen to opt out? Hell, I would have let them close my account if the rates were to double. I am at the top of my credit line anyway! What jerks.

I had called last month and received a credit card fee reversal. The nice woman told me to call back after I got the new bill and get a reversal on the second half of the fee. I called today, and there was no note in the system (which she had promised). I spoke with Jackson, and then his supervisor, who told me that it didn't matter and that the fee stood. I countered to say that if the first charge was reversed and it was the same, then shouldn't it be treated the same? She said no. So, I cancelled my card, and they still charged me the fee.

I received my statement and noted that I had been charged a $39.99 late fee. I never pay late. I went to my bank account and noted that the check had been cashed two days before the due date. The check was written for $958. I viewed the cancelled check and noted that somehow, on the written line, the eight was either missing or smeared out. Chase took it upon themselves to only enter $950 and then promptly hit me with a $39 late fee. When I complained to them about their actions, a Mr. ** (supervisor) told me that since they could not make out the eight on the written line that I paid them $8 (even though the 8 was clearly written in the cash box) too little and thus was late and they were entitled to the late fee. I feel irate and I would like to sue them for my emotional distress and anger and any damage they have caused my credit ratings. I feel they are trying to get even with me for not accepting their high rate increases and cancelling my account. Mr. ** refuses to correct their mistake.

My Chase Freedom credit card account was closed without informing me in advance. I had no clue that the account has been closed. When I called them, they told me that it has been closed due to inactivity. Okay, I agree that I was not using it for quite some time now, but why did they not inform me in advance that they will be closing my account before closing it?

A couple of weeks ago, I received a letter from Chase informing me that they have decided to close my account due to a credit report from Experian. In addition, they have have hiked my APR to a whopping 30%! I was shocked and very disappointed with this company. I have had this account for at least five years, never missed a payment, until Chase took it over from Washington Mutual. Chase changed my billing cycle and used it to increase the APR on my account, claiming that I missed a payment and defaulted on the account. I have since paid most of my balance and I am working to pay the rest in the next three months. I know that the company is in financial trouble and they seem to be penalizing their customers for their problems. How unfair and cruel.

I received a letter advising me that my account was being closed due to information provided on my credit report (e.g. card balances too high). After reviewing my account information, I found out that not only had they cancelled my account but they also increased my APR to 31%. I called to confront them on these issues, determine what legal right they had to do this and to see if any concessions could be made for my inconvenience.

I received a letter telling me they were closing my account, even though I paid my balance off in full and I have never been late. I work for a credit card company and I can see why people are transferring their balance. Chase's customer service needs some desperate overhauling. I told the rep to take me off their mailing list and that I do not want to receive anything from Chase again. We will see, if I get one more thing besides this month's bill, then I will be contacting a lawyer.

I just received a notice that they are closing my Chase (formerly WaMu) credit card. I've had this card for several years, never have been late on payments, never went over the credit limit and my current balance is $400.00 while its credit limit is $3,000.00. I don't understand why they suddenly closed the account; I hope this doesn't affect my FICO score. I did indeed call the number (**) posted in one of the comments here and it worked. I talked to a nice guy named Craig and he was able to re-open the account for me.

I received a letter today, 08/03/09, that stated that my credit card was being closed and the reason given was a report from the credit agency. I have always paid my bill and I do have another card with them, but it, too, still says WaMu. I am in the process of getting a house. This will have an effect on my credit score. This will have an effect on my debt ratio! I have been watching these scores like a crazy man and here comes big bad Chase to put everything in a spiral! Thanks!

I was informed by mail that Chase cancelled my credit card (formerly with WaMu). I've had it for a while and neither defaulted on any of the three cards I have nor was I late. It's extremely stressful now. What if I needed to use the card to make an emergency purchase or evacuate for a hurricane, etc? I think that I should have been notified in a much better way and don't believe they should be allowed to do this.

Forgive the double but yes, if there is a class action suit, we'd like to know about it. We, like many others, had our accounts closed on 7/21/09. We received notices on 8/1/09. Today, 8/3/09, we got a notice of important changes: translation, rate hike to the larger of the accounts as well as a multitude of other rules and rates. It actually says that if we don't want to pay this rate hike that we can cancel the card? They have already done this. The scary part is that they say they can close our account at any time and may require us to pay the outstanding balance in full. I believe this is a way to get people to accept the hikes for fear of owing the full balance immediately. I don't understand why we got this when the rate should be frozen at the rate when they closed this account.

I had 2 WaMu credit cards. Chase bank took them over. I received notice that my interest rate was being raised, so I paid the balance in full. Then, I received notice that my credit limit had been decreased for various bogus reasons. Then, a week later, I received notice that they were closing the other account for the same reasons. This card had not had a balance in over a year. I have never been even one day late and have always paid more than the minimum due. I hope Chase bank is left with only deadbeat customers who do not pay their bills. This company deserves to fail. What is the world coming to?

My complaint is just another one to add to the list of complaints I just read. Chase sent me a letter on July 21, 2009 informing me of their decision to close my account. Their reason was based on too many bankcards with high balances (I have 4 including theirs), one or more accounts have high balances compared to credit limits, and total available credit in bankcards is too low. I have always made my payments on time and I pay a little more than the minimum. I explained to the person I spoke with (Edgar) that I have never been late and have paid more than the minimum but all he could do was repeat the reasons on the letter over and over again.

I have a credit card with Chase bank and I had a fixed 7.9% APR. I got a statement where my APR has doubled to 14%. I called and asked what happened and they told me they can do that at any time. They told me they sent a letter in the mail letting me know I could cancel my card and keep my existing rate, or keep this card and have to pay double my rate. Keep in mind my balance is over $5,000, doubling my rate is going to hurt me in terms of finance charges. Obviously, I chose to cancel my card and keep my rate.

I have been a loyal customer of WaMu for 8 years, and I was very satisfied with their service. I have a checking, savings, and credit card accounts with them. I have kept all of them in great standing. I was never late and had no NSF's or overdraft charges. I loved WaMu and recommended them to several people. I have since just had all my accounts taken over by Chase. And today, I got a letter dated 7/29/09 stating that they are closing my credit account as I have been recognized as a high risk (from reporting they obtained from Experian). I am floored. I have never been late and have paid double what was due monthly. I think of my self as a low risk, not a high risk. The reasons given were not accurate to recent history, and this whole ordeal has put a bad taste in my mouth with any subject related to Chase. I have no intentions of ever doing any business with Chase again.

I, too, was a Chase and WaMu cardholder, never late and always paid way over the minimum amount due. The next thing I knew, they cut my Chase limit and closed my WaMu card. They pay these idiots at the top how many figures? I think most of us would look at those who do not pay, not those with a great payment history! Well, I closed my Chase card also and told them never to offer me any "low interest deals" again.

I received a letter in the mail on Friday indicating that our credit card had been closed. We never missed a payment. We always paid more than the amount due. Our credit card was four years old. I called and was told it is a business decision.

I just got a letter on Saturday that states that Chase has closed both of my accounts. They were WaMu accounts that I had for several years. I have never been late, and I also pay for the protection on the cards, which I actually used while I was laid off. I have been called back to work and have resumed payments on the cards again, along with the charge added on both of them for the payment protection. But just as I get back to work and think that things are looking up, they closed my accounts.

Two weeks ago, I went into a store to make a purchase with my Chase card and was declined. Confused, I called Chase and was told my account had been closed! I have had this card for 9 years (originally, it was Providian and then WAMU). I have never been late with a payment. In fact, most times, making more than the minimum payment. I still have five thousand dollars left on my credit line. I can't believe they can get away with this. I have an excellent credit score. I was told I would get a letter explaining why. It never came. Action needs to be taken against Chase! I am going through a divorce and am trying to refinance my home in order to keep it. Now this will lower my credit score and I may lose my home!

My complaint is very similar to many of the posts I have read. I had a credit card that was originally Providian, then became WaMu and lastly, Chase. I have had the account for 9 years. It was my oldest card. I have never paid late. I also was nowhere near my credit card limit. I have no new negative activity on my credit report. Chase suddenly, without warning, closed my account. This will reflect negatively on my credit report. It is unfair and unjust for a longtime customer who has had no late payments. This is unfair practice. I have it in case of emergencies. I no longer have this security. Also, it will reflect negatively on my credit report, which will make it close to impossible to refinance my mortgage which will have a ripple effect into the economic health of my family.

Like everyone else, Chase closed my account, claiming it was info from my Experian credit report. I ordered my report ASAP, and it was perfect. No blemishes. So, I spoke with numerous advisers and supervisors, sent them my credit report directly from Experian, and called every day to check status of a "reconsideration" to reopen my account I have always paid on time in full.

Well, I, too, was a victim of Chase cancelling my credit cards, both opened under Washington Mutual. On July 21, I called inquiring as to why they had been closed and was told that I had been sent a letter and that it was due to negative information obtained from my Experian credit report. I pulled my credit report and score, only to find that there was no mention of Chase on my report and that my credit score was over 700, which I am sure won't stay that way for long. Nice that Chase closed my account the day they received full payment on my card, since I do pay them off every month.

I also started off by opening a Providian account back in 2002. Then, they went to WAMU. I have never had any late payments; if anything, I paid more than the minimum payment due each month. Then, recently I paid it off about three months ago. Then, I was charged $500.00 to it. I went to use it in the store recently and was declined. When I went to the car to see what the problem was, they stated that my account was closed and they could not tell me anything else. Now, my credit score, which I have worked so hard to keep good, was all for nothing. I do not know how they can get away with destroying your credit score when you never had a missed payment.

I called them almost immediately after receiving their "Tony Soprano" type letter stating that they are raising the interest rates on my card and probably the minimum payment to heights, which I will not be able to pay and they were cocky about it. We are trying to renegotiate our mortgage and get the payment down, but this will wash that out and then some. I, with the help of my husband and a detective friend of ours, have found out where James L. Dimon's office and home are located, along with his home phone number and his wife's name is Judith K. Dimon.

Chase just closed my credit card (WAMU) because: Total available credit on bankcards is too low, average length of time since bank card's opening is too short and too few open accounts with time on file greater than 24 months. These are all ** and not at all factual. My FICO is 720. I was just about to pay this off within the next few months and they closed it on me? Even after I bit the bullet when they increased my rate to 24% and I continued to pay my account because the alternative was to close the account, which I didn't want to do since this would hurt my credit score, but only in the end, to have Chase arbitrarily and unilaterally decided to close it.

Without warning or legitimate reason, Chase has suddenly cancelled my account. This account was originally a Providian card many years ago, then sold to WaMu, and now was taken over by Chase to the detriment of most of their customers. I never paid even one day late, paid well over the minimum most months, have no late payments on any of my accounts on my credit report. Soon after the WaMu merger, Chase changed my terms first by raising my rates, then closed my account, freezing in the higher rates and killing my credit score. This has dramatically reduced my credit score by changing my available credit compared to available, and reducing my average length of credit history for credit card accounts. Never do business with Chase if you can avoid it. They are one of the worst credit card companies for consumers.

I had been a WaMu customer for 12 years. I had a Gold Checking acct and two CC, a Platinum MC and a regular MC. Shortly after Chase took over, I received my credit card statements and notice the rates had gone from 11 and 16 percents to 28 percent. I was unhappy and when I called the bank, they said that they had mailed me a notice (never received) telling me that upon review of my credit, my rates were being raised and I could opt out and close the accounts but now it was too late. I wouldn't have opted out because I have been working for ten years to repair my credit that tanked when I separated from my son's father.

I have (had) two credit card accounts with Chase. They were originally WaMu accounts. I have never missed a payment. I have always paid more than min. payment, most of the time making multiple payments in a month. I just canceled both accounts. I received a letter in the mail stating that my interest rates would go from 10% & 13% to 21%. The reason: so they could make more profit from me. I am absolutely dumbfounded. My credit score is 750. I have never been late on any payments, for anything. I am sure that Chase will lose a lot of customers.

I had one WaMu account, and Chase. Chase bought out WaMu and I decided to pay off the Chase account and only have former WaMu while I continue with my higher education, because I had a good protection plan with it. Prior to it being bought, I had spoken with them about my college internship and the fact that I was a single parent going to college full time. I needed a good protection plan in the event I am studying. I know I was to get the protection. But to my surprise, Chase just closed my WaMu account completely, even billed me a $300 monthly bill and when I called to complain, a lady whom I have her name written down was so rude and never cared. All she did was talk. "This is bank policy and nothing we can do to help people like you." I am mad, still is, and wondering why this bank is doing this to us when we always pay off our bills on time and even pay protection plan. I borrowed a loan from my mortgage bank to pay off Chase and only have one, only to be betrayed and drown to the ditch. It is not fair. We need help. It is not fair to do this.

This company bought out Washington Mutual and closed my account that has always been in good standing. This will result in a decrease in my credit score right as I am getting ready to close on my home loan. I have over $10,000 invested in this home and this could have an effect on my credit report score and my loan. This is the worst business practice I have ever seen. It is criminal in my opinion to harm people's credit when they pay their bills on time. Whoever is making these decisions is a criminal! This will result in a decrease in my FICO score, which could in turn cost me my home loan and $10,000.00 of my non-refundable downpayment.

I and my wife both "had" Chase accounts. We both always paid them on time and always more than the minimum due. They closed our accounts saying we are credit risks. We our outraged! As American citizens, our country owns a part of Chase. Actually, we citizens do and that’s the thanks we get for bailing them out. I hope everyone who has a Chase account, whether it be a credit card bank account or whatever, will close it and put them out of business. You can count us in if there is a class-action suit taken against them!

I paid off the balance in full on 6/03/2009. I normally receive my statements in the mail every month, but I did not receive any since paying off the balance. Today, August 2, I got a credit alert from myFICO through my email and it shows a balance increase of $46 on my Chase card that I had paid off. Here is what happened. In June, they charged me a finance charge of $26.10 relating to the payoff on 6/03/09. But I did not receive a statement for this in the mail whatsoever. So it did not get paid. I logged on Chase to check what the deal was. They had charged me a $19 late fee plus $1.00 finance charge for the month of June. Again, there were no mailed statements from June or July.

Well, I am just another disappointed (as soon as possible ex-) Chase account holder. I just received a letter stating what would be my former WaMu credit card account closure for the same non-existent reasons: total available credit on bankcards too low (I've at least 50% availability on all my cards); too many active bankcard accounts (what was six accounts is now five); average length of time since bankcard(s) opening too short (my WaMu account was the most recent at over a year old).

I have two Chase credit cards that were former WaMu cards. I don't have a perfect credit record but there have been no problems in the last 4 years. I was able to get an FHA home loan from Wells Fargo in Dec. '08, so my credit rating can't be that bad. Anyways, a few months after Chase took over WaMu, I got letters for both of my accounts. They were arbitrarily raising my rates. I was given the option to keep my old rates and close the accounts. After much consideration, I decided to take the interest rate hike instead of having two closed accounts because of the damage this would do to my credit score. So now, I went from 11.24% and 14.24% to 18.24% and 21.24% respectively. That was okay and I was developing a plan to pay them off as soon as possible. Now, I got letters stating the accounts have been closed. So Chase got their interest rate hike locked in and then closed the account. This seems deceitful at best. If they wanted the account closed, it seems like they would have just closed the account. It seems they wanted higher interest rates with the intent of closing the accounts anyways.

I am 32 years old and have a Chase credit card (formally Washington Mutual). I have not used this card in awhile because I have been trying to pay it off. I too have received a letter from Chase stating they are closing my credit card due to the fact that I'm a high credit risk according to Experian. When I called them, they confirmed what was in the letter and said they weren't going to change the status. I monitor my credit reports all the time and know for a fact that my credit scores are extremely good and I have had no late fees other than when Chase changed the due date on this same card without my knowledge which made my payment look late. When I called about that issue, they were not willing to remove the late fee at all.

I was originally a card holder with WaMu, prior to Chase taking over with the financial meltdown. In having my card transferred to Chase Bank, several things have happened over the last 6 months. 1) Interest rate increased by 1/2% within the first month of my card transferring. 2) Notice of cancellation of my card due to unreasonable explanations that do not appear to apply to my current credit worthiness. 3) Having reviewed my account, I noticed that I still had a current balance due and owing for the month, when I had paid over the required amount last month and left the payment the same. I came to find out that Chase increased my interest rate again by an additional 3% without any notifications.

It took me about one minute online to come across countless others whose credit cards Chase had decided, without cause, to close. I received the very same generic letter from Chase on July 29, 2009. It stated the same three bogus alleged reasons for their action: Total available credit on bankcards is too low; Too few open accounts with time on file greater than 24 months; Current or history of severe past due or public record item. None of these apply to me. I have never been late in payment to them, always paid almost double the minimum payments, and my account was closed in good standing. Isn't that an oxymoron? Yes, I think so. I too was instructed by Chase non-customer service to obtain my Experian report which I did. There is nothing on it. In fact, it is the very same report as the one upon which the credit card was issued in the first place. How can they legally issue then cancel a card based on the very same report? I too was a WaMu card holder that Chase took over which seems like it may be a contributing factor to many of us receiving this letter, another questionable legal action that warrants further investigation.

Wow, I see that I am not alone in having my WaMu, now Chase credit card account, closed. I have never been late on a single payment and my credit report looked the same or better than when the account was first opened. Luckily, I found it out before I tried to use the card. I just got a letter in the mail. Nothing online at my account or no phone call. It is just so stupid on their part. As far as I am concerned, they are losing good customers for no reason. I will never use anything with Chase on it and I will recommend to anybody who will listen not to deal with them. I think we would have been better off if WaMu had pulled through and Chase had folded!

I had a credit card with WaMu and Chase took over, always paid my payment early and way over min. payment. I tried to use the card on the weekend of July 25th and was declined; no reason I could think of but had to use another card. On July 31st, I received a letter saying my account had been closed because of a report from Experian stating one of the 3 reasons given, a form letter. We have just bought a house this year and I have never been late on any payment and always pay more than min. for at least the past 5 years if not more. I was very embarrassed by getting the card turned down and was upset. They didn't let me know in advance so I would not try to use it! Very bad customer service! I tried to email them but of course, it wouldn't allow the e-mail, said internal problems! Right!

I hit the enter key by mistake and erased my complaint and I'm not going to retype my misery. I can say that my complaints are the very same as everyone else's and more! I have lost over $400k due to Chase's greed. I'm on anti-depressants since then, lost my credit standing and never returned to invest banking. For some reason, the executive board feels entitled to continue to gain profits, bonuses, pay increases and refuses to incur any type of loss like the rest of us has worldwide. I have faxed the exec offices and firmly declined his offer arguing over my interest rate as what agreed in writing, but they feel they don't need to stick to our agreement - so accustomed to inflated salaries, over the top bonuses and sign on salaries, etc. that they cannot fathom even a minor loss to their wallets.

I am a 25 year old college graduate who someday wants to buy a home. Today, I received a letter from Chase telling me that they are closing my account by August 20th because I'm considered "high risk". First of all, there is nothing negative on my Experian credit report. In fact, I have a pretty good balance of credit and have never made a late payment. Secondly, yes, my Chase account does have a balance because I use it to pay for gas and books (it's a Borders card), and pay it off at the end of the month, which is what I thought is what you're supposed to do.

On 8/1/09, I received a letter from Chase (dated 7/29/09) stating my credit card had been closed due to the following reasons: Total available credit on bankcards is too low, one or more accounts have high balances compared to credit limits and average length of time since bankruptcy opening is too short. At the bottom, it states that I can pull my credit report from Experian to review to find if there are inaccuracies. Well, I have pulled my credit report and in fact, my credit report shows nothing that Chase letter is stating. I talked with Joed **, an account supervisor from Chase, and he gave me the same explanation the letter stated. He also advised me that there will not be any reversing in their decision.

I received a letter on 7/31, dated 7/29 stating that my Chase charge card was being closed due to:

Chase raised our interest about five months ago. We decided to pay off the credit cards and keep them for emergencies. We paid almost $8,000 and two months later, discovered that Chase canceled me, my husband and my son at once after paying. The reason explained in the letter are no applicable to us. I am on the process of presenting a complaint to whomever. We have the cards for 3 years and never been late or closed to credit limit. We discovered about the cancellation during our vacation. We rented a car and it worked fine. We got to the hotel and it was declined. At this point, we do not have any other credit card available for emergencies. My biggest concern is how our credit scored is affected.

I, too, am hurt by what Chase did to me as a loyal customer. I was a very good customer with a good history with their company. More often than not, paying higher than my monthly minimum. I had a MasterCard with them since 2001 and on my credit report reflects the fact that I had never had a late payment with them. My husband I had been working really hard at paying them down. Then out of nowhere, they increased my monthly minimum payment and lowered my credit limit. I did not realize it had been raised since suddenly, I stopped receiving monthly statements by mail and last I had checked, I was paying the correct amount.

To everyone that wanted to know the true affect this WaMuClosure1 fiasco is going to have on their FICO Scores, here's what it did to mine from Experian's site. On July 1, 2009, Experian Plus: 785; Equifax Plus: 788; TransUnion Plus: 788. On August 2, 2009, Experian Plus: 712; Equifax Plus: 707; TransUnion Plus: 692. I made zero purchases during this time, paid all of my bills ahead of time and the only changes on my report were that Chase closed my two longest standing cards. Next month, it will be even worse because one of the cards is still reporting as open, but zero available credit. My utilization went from 12% up to 78% because they closed two of the three cards I had and they both had over $20K limits. Chase needs to be punished, be forced to make restitution and give a public apology for this WaMuClosure1 disaster. I can only hope that the Chase Bank stockholders sue their board members when this starts getting the media attention it deserves and the JPM stock drops.

I have been a Chase card holder in good standing for nearly a year. I received a $3500 credit limit and have paid my balance in full every month with the exception of last month when I paid $500 by the due date on a $1200 balance. I just received a notice stating that my account was cancelled. There is absolutely no reason for it. When I called, the only explanation I received was that I came in under WaMu and Chase just decided to cancel my account. It is a shame that companies penalize good customers. You would think that with the economy being the way it is, good customers who pay their bills on time and who are willing and able to pay for goods and services would be treated with more respect.

I've been reading the recent comments and see that I'm not the only one that feels they've been done a disservice. It looks like the one thing we most all have in common is being former WaMu credit customers. These are horrible business practices. My story is the same as everyone else. Never missed payments, never paid late and account was closed per some ** excuse. But you know what, Chase can kiss my **! I have a banking account with them and will be closing that on Monday. You reap what you sow. You will want our business one day and when that happens, I will be so happy to tell you where you can take your business!

Like apparently a lot of others, I received a letter from Chase saying they were closing my account due to: 1) total available credit too low; 2) average length of time since bankcard opening too short; 3) too few accounts paid as agreed compared to total accounts. I am of above average intelligence but none of these makes a bit of sense to me. I was in good standing, never late, always paid more than the minimum.

I am the latest of the Chase credit card victims. We have a business and some of our credit cards are business cards, some personal. But none of them are maxed out or even close to it. I pay our bills on time every month and today, I received a letter stating that my Chase, formerly Providian, formerly WaMu, card with a credit limit of over $12,000 is closed. Now, I have had this card for over 10 years and I have faithfully paid and used it on a regular basis. I may only charge a small amount on it per month. And now I find out it is closed, 10 days ago on 7/21/09! The reason: too many credit cards open in too short of a time period. It has been at least three years since I have opened a new card, and ironically, the last card I opened was a Chase card which has been since closed.

I received from the Chase credit card company a Wamuclosure1 letter stating they were closing my accounts because of what Experian was reporting on my credit report. So, I went and looked up my credit report and everything looked normal. I then called Chase to ask why they are closing my 2 credit card accounts and the rep said it was because my other credit cards had high balances on them which was an untrue statement.

I have had a Providian/Washington Mutual credit card for a number of years. I have neither missed a payment nor been late, nor have I ever been over the credit limit. JP Morgan Chase took over the card, immediately dropped my credit limit, and now I receive a letter stating that my account will be closed with immediate effect. My credit score will be lowered due to the account being closed and my available credit will have a higher percentage of unpaid balances.

On July 20, 2009, I received a letter from Chase telling me that one of my credit card lines had been decreased by 50%, in spite of the fact that I had a zero balance on both of the cards I had with them. I called to find out why and they told me that Experian sent a letter explaining why. One of the reasons listed was incorrect. They said I didn't have credit long enough. This is not true. I had 4 cards all over 4 years old, with the oldest being 6 years old. They then sent a letter not one week later saying that my credit protection had been canceled due to changes in my account.

Chase sent me a credit card to a San Jose address where I was once a student. I never received this credit card nor did I ever use it. Apparently, according to Chase, it was a business credit card with an annual fee of $75.00. Neither would I have applied for as a student. The card then accumulated annual fees and late charges until it was charged off and Chase put it against me on my credit report. Now, I am trying to buy a home and my score is damaged because of this. I cannot get a good 30-year rate because Chase sent me a card I never asked for or received, charged their fees and then reported me to the credit bureau. I have investigated and while they admit they know it is $211.00 in Chase fees, they have to investigate up to 90 days and then the time it takes to remove it from my credit report. I do not have that time. I need to clear it now. They will not give me a letter for my lender telling them that these were not my charges and that it was a mistake.

Chase has been dropping my credit limit on their cards. I have never been late and pay off my cards monthly. Credit limits being dropped from $25k to $10k and other drops of that sort. All linked to Chase. These credit limit drops are killing my credit/debt ratio, causing problems getting credit. I have outstanding credit and Chase is destroying it.

On 8/1/09, I went to the supermarket to pickup some grocery only to find out my credit card has been declined. Then, I went to another cashier at the same supermarket only to find the same result. I called Chase credit card and got hold of the supervisor named Lidia **. She told me that my account is high risk and that she can't see the details on my account and need to call Chase's portfolio department at 800-219-0015, which works only on Monday to Friday at 8 am to 8 pm EST. I pay my credit card on time. I haven't had any late payment for as long as I can remember. Also, I had the card for more than 2 years. What gives? Also, the supervisor told me that my $200-plus reward points are "forfeited.” **! Anybody knows how to file a class-action lawsuit? Hopefully, they will be able to fix this issue ASAP. Do not mess with my credit score and my reward points. Peace!

As so many other people, I received the notice of the increase in monthly payment from 2% to 5%. I had 2 Chase cards and received the notice on just one, but I expected it was just a matter of time until I got the notice on the other one too. The 2nd card was just recently activated although I had it for years with no balance. They were sending me the low offers of 2.9% and 3.9% for any balance transfers, and I decided to go ahead and take advantage of it.

I tried to use my Chase credit card, but it was declined for what I thought was a problem with the magnetic strip on the back. A week later, I got a letter stating that my account had been closed by Chase. I was a WaMu cardholder that was trying to rebuild my credit after a bankruptcy. Chase took over my WaMu account that had never been late. I always paid my balance in full every month, except once for a large car repair bill. I am so angry! I had gone from a 553 credit score to 671 in a year and now this! Yes, I have negative items on my credit report, but they were discharged in bankruptcy two years ago and they were there when WaMu issued me the card. What gives with these crooks? This can't be legal! Now I have no credit card to rebuild my credit with. Closing this account with no warning is certainly going to affect my credit score and make it nearly impossible for me to get any other card. I was working on my credit score to get a mortgage next year. I guess Chase doesn't care who they screw or the effects it has on people's lives.