Chase Credit Cards Reviews

I was out of state and tried to use my Chase credit card for a $100 hotel room. I had made a $200 payment days prior to leaving home, checked my available credit which was in excess of $1,000. What a shock when my charge was declined! Had I not had another card with available credit, what would I have done? The day after I arrived home, I received a letter from Chase saying my account had been closed. I had never missed a payment and had kept my balance far below the credit limit. How can they get away with this? What does this do to my credit score? Where can we get help? I would think some aggressive attorney would provide us the opportunity to file a class action suit. We must have some way to retaliate against these unconscionable thieves!

We too have had our credit lines cut. This, after they raised our interest rate. Had we known that they would dump us, we would have closed the accounts at the lower rate. We were Providian then WaMu and then Chase members. We always paid on time, and though our larger card is close to being maxed out, we had successfully begun to lower it. The other, smaller card was about 62% used. Like many, we have not been using the cards for new purchases. I think the kinder thing would have been to close out the accounts at the lower rate instead of raising it dramatically before dumping us. It's such a cheesy way for them to make more money, without even providing a service. In an economy such as this, where taxpayers' money has bailed out the banking industry, this is how they thank us.

I recently reported about my card being canceled without notice/warning. Approximately two weeks after the cancellation, I received a letter stating the reason why (too little available credit). First off, the irony of this is that I have two Chase credit cards, and the one with the most available was closed, thereby reducing my available credit further and no action was taken to close the second card. Second, within two days of receiving the cancellation notice, I received a letter in which Chase advised me they were going to start sharing my account information with others. They also increased the interest rate on my closed card by 4% and my remaining open card by 2%; both with no notice (caught by looking at my statement). This will continue to negatively impact my credit rating, reducing the chances of being able to open more equitable credit lines to alleviate the debt that remains with Chase.

I received a letter in the mail yesterday stating that my credit card account had been closed. I was a WAMU customer for 2 years before Chase bought them. My card had a limit of $9,000 with a balance of $4,000. I have never made a late payment and have always paid over the minimum and my credit score is over 730. What gives? How is this legal for them to be closing so many of their customers’ accounts when we have done nothing wrong?

I received a letter from Chase on July 27,2009 stating they decreased my credit limit to what my balance is which automatically puts me over the limit. I had the card since it was Washington Mutual and Providian, never late with a payment (ever) and my credit score was 780. I called customer service and got nowhere so I closed out the account and then called the Federal Trade Commission and filed a complaint. Next, letters have to be sent to my Senators and Congressman. Something has to be done now and not July 2010 when the President's bill on credit card companies is supposed to pass.

I also had the same experience. I was never late and always paid the card off, and they just cancelled my account. This is a horrible way of doing business! It is real funny, because the reasons they stated are the same for everyone. This was their plan from the get-go, and we can't do a thing about it. I am very frustrated. They also have my mortgage.

I too had the same experience with Chase credit card. This card was previously owned by Washington Mutual, and I have had the account for several years. There were no late payments, and they stated it was from information from Experian. They had not ordered a credit report for 5 months. I have had a checking account there since 1971. I will be closing it and my savings account. I have never made a late payment, and my credit history is good. I certainly hope that there is a class action suit filed against Chase. I, for one, want to see them punished to the fullest extent of the law.

I received a letter from Chase today informing me that my card has been closed without any warning or option to opt out! Now, what is this going to do to my credit report that I work so hard for to repair? I paid on time since 2003 with no late pays. They gave the same excuse as all the other complaints here, to call Experian. This is fraud to a grand scale and the CEO of Chase should be called to Congress for this. I am writing a letter to all advocacy groups about this and California's Congress and senators. This is monopoly of the credit system. Someone has to be jailed for this.

Well, I have been a long standing credit card holder of Chase and Washington Mutual since 2005 but I received a letter stating my account was being closed due to the fact: too few accounts paid as agreed, total available credit on satisfactory bankcards is too low, bankcard balance grew too fast compared to credit limit, and time on file.

I had a payment due to Chase card member services on the 16th of July. I missed the payment. It was an oversight on my part as I did not receive a statement from them for July. On July 25th, I received a statement (August) from them showing that I was past due. I immediately scheduled a payment via online banking to pay on July 29th - I paid the minimum due plus what was owed for August. I called Chase to ask that my interest rate be lowered. It went from 9.24% to 29.99%. The man I spoke to said there wasn't anything he could do and that I defaulted. I said the payment wasn't even a month past due. He basically said too bad. This is completely ridiculous as I haven't been late before.

Chase closed my credit card account. I’m a prior WaMu/Providian customer. I have no late payments and was never over the limit. This will damage my credit. They closed the account and notified me after the fact.

It looks like this is happening to thousands of other former Washington Mutual credit card customers. Today, I also received a notification that my card is being canceled for the same 3 reasons as the rest of you. My credit score has not dropped but has been getting better. I purchased a new truck in 2008, and with the auto pay set up, my rating has had a noticeable gain. I rarely have used more than 50% of the available balance on the card and have never made a late or even just a minimum payment. How can Chase have the right to buy a credit card company and then cut off all the former credit card company clients? We need to stop the big bank's powers to do this kind of crap. It's not fair to the customers, who have been reliable for years.

Like many other former WAMU customers, I too received the “WaMu Closure1” letter in the mail stating that my account had been closed. At first, I was very upset because I have worked very hard to pay my bills on time and build a good credit record. Now, I have a blemish thanks to Chase's deceptive practices and I have no recourse to fix it. It appears that former WaMu customers have been targeted by Chase and that is discriminatory in my opinion. I just pulled my Experian credit report and there are no blemishes on my accounts. In fact, the account that Chase closed is still open on my report, which is good because now I can pull my credit report again in a month and see what damage Chase's actions have done to my credit history.

Former WaMu account closed without prior notice. Letter received on 7-31-2009 cited low available credit/high account balances per Experian (TRW). As many others, I have no late payments and always pay well above the minimum due. Over the last year, either WaMu or Chase raised my credit limit on this account to boot! Payment history on all other creditors is similar. I realized something was wrong on while on vacation last week. Got the letter when I returned home. Until I read the posts of this web site, I had spent most of this evening trying to figure out what happened. I am just infuriated that they took this step without real provocation.

I just got my letter today stating that my account had been closed. They gave three reasons: 1) Average length of time since card opening is too short. 2) Total available credit on card is too low. 3) There are too many recently opened cards compared to total accounts.

I received a form letter from Chase Credit Card Services Portfolio Lending. They said due to information on my credit report, they were closing my account: 1) total available credit on bank cards too low, 2) average time since bankcards opened too short, and 3) last but not least, too few open trades on file more than 24 months. I called them on the phone and was transferred to Portfolio Lending, where I got a man who talked without feeling in his voice, like a child trying to do a bad impression of a robot. He repeated what it said in the letter which I'm sure they think is quite funny. Unlike most people, I have access to privacy matters and in seconds I pulled up my credit report and everything they said in their letter was wrong.

I opened a credit card account in Feb. 08 with Washington Mutual and have maintained a low balance on the card. In June '09, I was notified by Chase that they were now responsible for my account as they purchased Washington Mutual. In the letter, I was notified that my interest rate was changing, actually almost doubling! It also said if I choose to dispute the increased interest rate that the account would be closed. At this point, I had a 50% balance on the card and could not pay it off immediately, so I chose to continue with the payments at the increased interest rate. It has not even been a month since that notice and now today, I received a letter stating they are closing my account!

I received a credit card from Washington Mutual in 2008. Afterwards, Chase Bank bought Washing Mutual. I have never missed a payment, never been late, never went over my credit limit and yet today, I get a letter stating that they are canceling my credit card after a clean record with them. This will significantly lower my credit score, even though it was not my fault.

Like many others who posted, I just got a letter in the mail today from Chase stating that my former Washington Mutual credit card would be closed for the following reasons: 1. Length of time since oldest account opened is too short; 2. Too many recently opened accounts compared to total accounts; 3. The number of bankcards has grown too fast.

I have had the same experience as everyone else I've seen complaints for Chase closing my account with no warning, no reason other than findings from my credit report. My credit report has no negative findings on it. In fact, I just paid off three of my loans/cards within the last year. I have been a faithful consumer, paid my account on time, and consolidated other cards to this account for many years since 1998 when it was Providian and then WaMu. I didn't know my account was closed until I tried to use it and it came back declined, very embarrassing. Then, I got the letter a week later. I just got off the phone with a rep from Chase who was no help. All they did was give me a script they are probably told to read from and not waiver from it. When I explained how long I had been with the company and that it seemed unfair that I was not at least given a warning or a chance to make double payments to keep the account open, all she said was that, "Well, your account is now closed. Thank you and have a good day" and hung up. I hope that all these complaints will lose future business for this company for the unfair business practices they are using.

I got a call from the collection department at Chase who informed me that I was two payments behind. I explained that I send every payment through my bill pay account and have record that all payments were made. He rechecked all the payments, informed me that something seemed very fishy with the way that my payments were being handled and that I should fax or mail a dispute to Chase, but of course he could not transfer me to anyone as his department didn't have the capability to transfer calls. So, I print my statements and cross off all that doesn't apply to Chase and fax to them so they can see each payment in their name with the payment amount listed under "debits.” I get a letter stating that I must give them unaltered bank statements and it also states that I am only one payment behind.

They closed my Chase credit card. No late payments and I have been with them for years. No reason to close my account. This is unacceptable business practice. In an emergency situation, I would need access to my credit card.

I opted to use a Chase balance transfer check so I could lower my monthly payments on my credit card. I went ahead and borrowed money to pay my current Chase credit card balance and then in return wrote the balance transfer check back to the person I borrowed the money from. My credit card was now at a zero balance awaiting balance transfer check to clear, only to realize that Chase had declined the check and then they proceeded to lower my credit limit to almost nothing. I had been a Chase customer for many years and always paid on time, and was trying to better myself financially when Chase decided to screw me over like this. I was truly disappointed in Chase and also it has left me in a financial bind and embarrassment.

Two days ago, I received a letter stating they were closing one of my accounts. They cited length of credit history; amount of accounts open and balance on accounts are too high. All of which are not true. My credit history goes back 18 years. The accounts they closed were several years old. None are or ever have been used to their limits. I have never once made a late payment and I always pay at least $100. One was a WaMu account they purchased, whom I also had a perfect and excellent history with.

Chase credit cards - What a joke! I had 8.99%, zero balance, a 750 credit score and never a missed payment ever! They sent me a letter to raise my credit card to 17% and when I called, they just stated that because of economic conditions and balances and rate of return, they were raising it. So, I said great. While others are not paying, those of us that do pay for them and you are raising our rates. What a joke. It's a scam. It's robbery. Then, they state you have the option of canceling. Wow, really. I will never have anything to do with Chase again the rest of my life. The crooked people there are contributing to the irresponsibility of others and are just as bad as Madoff, if not worse.

I used my Wamu visa credit card for a routine purchase at a local grocery store and the card was declined. This came as a surprise considering that I had never had a balance over $300 on this card which had a limit of $3000. I also never carried a balance and paid the entire bill off in full each month. Perplexed, I called the 800 # on the back of my Visa card and learned that my card had been closed due to information in my Experian credit report and that I would receive a letter in the mail explaining why.

I received a letter in the mail today stating that they have cancelled my credit card with them due to a low balance for more than 24 months. I was a WaMu customer until Chase bought them out. Now, I am treated like this. I have never, ever, ever been late, not even one day in all the years I've had my account. I have always used my card each month, but I also paid it off in full each month. I thought us Americans were supposed to try and be responsible with our purchases, paying off our debts. I am absolutely stunned at how Chase is treating us former WaMu customers. This is terrible!

I was a WAMU customer and started with a $4,000 credit line and grew to a $7,500 credit line because of my performance with them. I transferred all my cards into this one and made $400 to $600 monthly payment. Then as it got about 3 months before the 0% was to end, I paid the balance off. Since then, I kept my card balance under $500. I paid my bill online the day after my statement was ready. I was never late. I always paid the full balance that was owed or 10 times what they were asking. Chase took over and my APR % went up, but I still keep my account performance perfect. I have 5 other cards and usually, I have no balance on them but if I do, it's very small like $20 to $50, and usually, it's just so I can keep activity and history on those card because otherwise they could close them if I don't use them for a long period of time.

My credit card was canceled without any prior notice. I have always made timely payments and paid above the minimum, 99% of the time. This will dramatically affect my credit score. I also used the card for business. I am now left between a rock and a hard place without a card to charge business expenses on.

Two weeks ago, Chase closed my Visa card for no good reason with no advance warning - I finally got the letter from them with no real information in it. Today, I got a Notice of Changes to the same closed account. Item D is a real eye-opener. This is unethical - when they hit us with a pay on demand for the millions of closed accounts out there - just how many of us are going to be able to meet it without serious impact to our lives? My balance is small in comparison to what I've seen on this site, but I don't think this should be allowed. The working public needs a bailout, not the financial institutions or the car companies.

I also got one of those letters cancelling my Chase credit card. Their reasons were: too many open bank cards with high balances (BS, I have 5 credit cards, but only 2 have balances, both with Chase, my debt/available credit ratio is under 20%); Average length of time since opening is too short (also BS, according to my FICO, my average time accounts were open is 6 years). Of course, they closed the account with the 10.9% interest rate. On the card they did not close. They dropped the limit to my current balance and they raised the interest rate from 12% to 27%. Now my debt/ available credit has doubled. My FICO scores are surely going to drop like a rock (then to be sure, they will raise my interest rate again for that). My average FICO score from all 3 agencies is 786, never a late payment, nothing bad on my reports (I checked this morning to make sure). What a bunch of lovely people. I was going to buy a car this weekend with a Chase auto loan. Never mind!

Chase gave me a good rate and a credit limit of $1600.00. I used this to do my kitchen. Once I used the money short of the limit to allow for fees and interest, I became a risk and my interest rate jumped to 28%. I have been making prompt payments and I see that Chase was able to repay its loans, so I called to ask for a rate adjustment to a more affordable level and they said no. When I used the money I was paying back $175.00 a month well in my budget. Now, I pay back $350.00, which is very hard to do. The worst part of it is that I will never pay the balance off because out of the $350.00, only $100.00 goes to the principal. Remember indentured servants and slavery? It’s back. But this time it doesn't matter who or what you are - we are all slaves to the banks and our taxes bailed them out.

I apparently, along with thousands of other WAMU/Chase customers, had my credit card canceled. They are citing a bogus excuse about information on my Experian credit report. I have never gone over my limit or had a late payment with Chase or any other card I have. I have always paid early and more than the minimum amount. In fact, I had a $4000 credit limit and have a $300 balance on my card. Chase cited high limits and late payments (which isn't true) as the reason that my account was closed. In fact, I received the cancellation letter on July 15th, but when I called to speak with customer service, they advised that my account was actually closed on July 6th - with no notice. It is ridiculous how Chase is treating its customer - even the good ones!

I have a Chase credit card that has a $2,500 limit on it. I use the card frequently and pay it on time every month. The amount varies. I pay it off in full, pay a lot over the minimum and just paying the minimum. Nonetheless, they first upped my percentage rate from 17.99% to 29.99%, and just today I received I have 20 days before they close the account. There are no options available; this is their choice. Since when did it become a business's job to screw the consumer? First, society forces you to open a credit card in order to rent cars, shop at KB Toys, etc., when a lot of us would rather not own a credit card. Now, you are screwed if you do own one because the company is going to close the account and screw with your FICO score.

Chase is raising my payment from 2% of the balance (manageable) to 5% of the balance (unmanageable). I talked to customer service and a supervisor and they say nothing can be done except to close the account and get credit counseling. I can give some good counsel at this time: stay away from Chase. Play with fire and you will get burned.

I had a Chase credit card. I made my monthly payments not much over the minimum but some. I have never been late and have had the card for years. They closed it out of the blue and said it was because they are no longer offering that type of card (borders reward). They also stated in the letter some reasons from my credit report. The only thing that upsets me is the damage to my credit report. I didn't use the card much anyway since the main portion of the balance is a balance transfer.

Chase raised our interest rate to 29.99% on a $5,000 balance due to us making one late payment! We closed the account after they refused to lower our interest rate. Who knows what they will do next.

Chase was very devious even before closing the credit accounts. As soon as they took over, they informed of a drastic rate increase. Now, I had to option to close my account and pay it off at the old rate, but who would willingly close their largest credit line? Then, after the deadline for using that option passed and the rate soared to 29.99%, they slammed it shut without notice. The agent on the phone tried to tell me that a letter had been sent when it was closed on July 14th. This was on the 21st after my card had been declined. I received the letter on the 27th and it was dated the 21st! What a horrible bank, and to think, they are using our tax money to complete this mess.

I had a credit card originally issued through Providian, then to WaMu, and recently sold to Chase. I have had this card for 14 years, and it is the oldest account in my credit profile. I have a balance of $2,600.00 on this card and a limit of $9,900.00. I have not made any purchases or transactions on this card in over a year, and have not been late or missed any payments. I received a letter from Chase saying they were closing my card. I am outraged that I have done nothing wrong, was not over-using this card, never late and have been a good customer, that they would do this.

I had a Chase Credit Card that was originally an account from Washington Mutual. I always paid my card on time, always well over the minimum required amount. I went to purchase the flowers for my mother’s funeral and they informed me that my card was denied. As I had an available balance of $4,500, I thought this to be impossible. It wasn't until I returned to my home that I found a letter they had sent. The reasons given for cancelling my card were very vague.

Like many others, Chase closed my credit card account on July 14, 2009. I was a former Washington Mutual customer when Chase bought them. On July 22, 2009, I contacted Chase by phone and was advised that my credit report showed a problem but that they could not tell me over the phone. I received a letter from Chase on July 24, 2009 that stated my balances were too low and that the I didn't have enough accounts open over 24 months. I had a $15 balance on my account and paid it off, but I am disappointed a company can get federal money and then disconnect its taxpaying customers at will.

I was offered a convenience check by Chase Credit Card on a card that had an $11,000 credit limit. I have been a loyal Chase customer for almost 20 years. The account had a 0 balance and the available cash limit was $11,000. After holding onto the check for 30 days, I decided to make a deposit of $5,000 into my personal checking/savings accounts. Funds were made available within 48 hours. Approximately 1 week later, my ATM debit card was declined for insufficient funds and I was informed by my bank that the $5,000 deposit from Chase Bank had been retracted (in the meantime, I had received a call from Chase a few days earlier confirming the deposited check and offering additional assistance). Now, I am "overdrawn" on my checking account and will also incur fees for checks/payments that are "outstanding."

Today, I received my bill and the interest rate had gone from 13.24% to 20.24% without notification. The three people I talked to, including a supervisor said that I had been notified of this change in May, giving me the option to opt out (close the account). They said it had nothing to do with my payment history as I have had the account for a long time and have paid on time (greater than the minimum payment) but it was a general increase in interest rates for purchases, balance transfers, etc., "reflecting the increased cost of doing business."

I have had this credit card for two years. I have never been late with a payment and have often paid two weeks early. My June 2009 payment, which I am sure I submitted on the internet, did not post to the account nor did it show up on my bank statement. Chase Bank charged a fee of $39 due and payable immediately and raised my APR to 29.99% from 17.99%. They refuse to discuss any compromise with me despite the fact that I explained to them that they were forcing me into default. I offered to begin automatic payments but they still refused to discuss it.

I have been a long time Chase customer. Never a late payment and always more than the minimum, I recently was notified that they are going to renege on the terms of my lifetime guaranteed rates on previous balance transfers. I told them this is unacceptable and I believe illegal and that I would not pay any amount other than that previously agreed to. I intend to file complaints with all appropriate agencies and will fight them in this matter.

My account was cancelled without any knowledge. I went to use my card, which was paid about two weeks early and still had an available balance, and was denied. When I called, they told me it was due to my most recent credit report, which the last time I pulled my score it was still in the 720 range. The consequences are years' worth of trying to build my credit. I finally got my credit score to 729 and they cut off my card. This is an extreme blow to my credit and very unappreciated.

I was a WaMu customer in good standing making my payments. When Chase took over my account, my interest rate was 11.99%. Each month, I would receive my bill closer and closer to the due date and was told my online payments weren't processed prior to the due date. I then started mailing my payments but was again slapped with late fees and increased interest rates. At this point, my ending interest rate is 29.99% and was told my account was closed due to something on my credit report. Chase calls me at least 10 times a day and I get nowhere with them. When I asked to talk to a supervisor, I get put on hold and told that a supervisor doesn't answer that line. I cannot afford to pay 29.99% interest. I just closed my business and am looking for work. I need help!

I also was a WaMu customer and Chase closed my account. The account was originally a Providian account I've had since 2002. The reasons they gave me were based on my credit report from Experian. These were the following reasons: Time since last past due is too short; total available credit on bankcards is too low; average length of time since bankcard(s) opening is too short.

I did my credit cards payments in time and I did pay more then the minimum payment but because they raised my APR at 29.99%, I did not use the card. I just was paying it off. I called customer service and asked if they can reduce my interest rate because I was doing everything right so maybe they can help me. They did reduce it to 25.99%, but after a month or so they closed down my credit card and the reason was my bad credit from Experian. I did have a WAMU credit card that they converted to Chase in March, so now I had two Chase credit cards.

Chase cancelled my credit card, which I understand they have the right to do. However, I have paid the remaining balance of the card and now online, it states available credit at $1,500. When I inquired as to why the online information does not state that this account has been closed, I was given a bogus answer. I feel as if Chase is being dishonest not reporting this account correctly. They closed this card on 7-14-2009 and I didn't receive a letter that it was closed until 7-25-2009.

Today, July 30, 2009, I received a credit reduction letter from Chase (dated July 23, 2009) on my credit card which was previously a WaMu (Providian) card. I always made my payments (more than the minimum due) and it appears that they chose to do this after I had paid my account down by two-thirds. They cut my credit limit by $9,000.00 after I paid them $6,000.00. I paid such a large sum because they raised my interest rate without notice.

After being a customer with Chase for many years and not only paying on time but always a little extra, I just received a notice that they were raising my rate from 11.99% to over 16%! I presently have a large balance with them and after speaking with them (they showed no sympathy), I've decided to close my account and transfer my balance (they'll get no interest now). In these tough economic times, I think it's terrible that a company we the tax payers are bailing out have the nerve to ask for more money! I would like other people to close their accounts with Chase as well if possible. This has added almost $100 a month in interest to my account!

I went to the store the other day to put a minimal purchase ($20) on my Chase card and was told by the cashier that the card was denied. So, I tried it again and she said it was denied. I figured maybe the card didn't get activated when I received my new card (I was recently married and needed a new card in my new name). So I used another method of payment and left the store. I immediately called the number on the back of the card and was told that my card had been canceled based on a recent credit check (like everyone else is stating).

I received a letter dated July 15, 2009 that my account had been closed for the following reasons: one or more requests for credit in last 12 months; the total bankcard balance has grown too fast; and the average length of time since the account's opening is too short. I had this account with Washington Mutual. I always paid either over the minimum, or the full balance every month. My credit report shows no late payments, and my credit score is 804. I have a very low debt-to-income ratio and have recently paid off several credit cards in full. It appears that many other former Washington Mutual customers have had the same thing happen.

Like everyone else listed, my WaMu (previously Providian) card was closed with no apparent reason; based on "my Experian report," all the reasons they listed were bogus. My credit score is over 700. None of my accounts had changed, all current accounts listed were paid on time and with higher than minimum payments. The only bad accounts were from a bankruptcy due to medical bills in 2004 (before my credit card was opened!) I called the number on the WaMu closure letter and got nothing but rudeness. They blamed it on Experian information which had not changed in several years except to get better! Any ideas how this closure will affect credit score? I am very disgusted with Chase. I will never do business with them again.

I had opened 2 credit card accounts with WaMu several years ago. I was not really impressed when Chase took them over. All of the good service went out the door. I went to use one of my cards to pay for a purchase and it declined. I immediately went home and logged on to the Chase website which showed I had a balance on the card of $36.00.

This was originally a WaMu card. I had a good relationship with WaMu. It has been very unpleasant being with Chase, and I will never use the card again after it is paid off.

I just received a letter in the mail today stating that Chase is closing one of my credit card accounts due to information on my credit report. For the record, I receive credit monitoring and my credit report/score has not changed in the past months. My current score is listed as good and better than 45% of Americans. I would just like to say that this is absolutely ridiculous! The reason stated for the close are as follows:

I had a WaMu credit account in good standing (always paid before time, paid off usually, etc.). I was on vacation with my family, 1500 miles from home. The only credit card I brought for my vacation was my $4000 limit card. We were shopping on about the third day and I was declined. I called and got nothing but rudeness and a 1-800 number for Experian. There is nothing new on my credit report. Chase chose to close my account without warning, leaving me and my family stuck far away from home.

Both my wife and I each had WaMu credit card accounts, recently taken over by Chase in the WaMu acquisition. Like most former WaMu customers in good account standing (going on the many complaints now appearing online), we too had an absolutely perfect record on our WaMu credit card accounts of three years. In fact, all of our credit cards have zero default history, paid on time, paid early, always more than minimum payment, etc. Chase closed our WaMu accounts in a completely discriminatory manner, refused to talk with us, told us it was all based on our Experian reports, they had no further comments, and that a letter was in the mail.

My husband and I were also WaMu customers and have had significant changes to our now "Chase" credit cards. I have had my previous WaMu card credit line reduced by $1,200 and my husband's two cards have been canceled! The ridiculous thing is that I have another Chase card with a much higher balance, higher credit limit and lower interest rate that I opened straight through Chase and that has not been affected at all!

Both my wife and I had credit cards with WaMu. She had 1 and I had 2. My wife first got a letter telling her that her credit limit was reduced to $8,000 from $10,000. Okay, she always paid on time and always more than the minimum. She was able to pay off her balance in March with her savings. She had a zero balance in May 2009.

I was also a great customer of Chase. I had over $4,500 available credit and always paid my card off each month (gas/grocery card). I got declined getting fuel on my way to work and a call to Chase simply told me my account was closed due to a report from Equifax. I canceled my morning appointment to go back home and contact the credit bureau who told me that there was no such thing on my record. A call back to Chase simply ended with me being hung up on. I hope that we can take legal action against this company. Since when should good, responsible customers have to take a hit on their credit for doing the right thing.

Just like over 400-plus people that have left comments, I, too, was a WaMu customer and loved them. I didn’t have to deal with Chase for any reason until the buy-out happened. And like everyone else, I, too, got the “WaMu closure 1” letter. I have had this card for 2 years, always paid more than double the minimum payment due, never went over half my credit limit and always paid on time. Chase may have ruined my chance to buy my first house. I am due to close at the end of August and now my credit score has probably dropped and I didn’t even do anything wrong. Does anyone know how bad this has affected their credit score? I will be first in line to file a class-action lawsuit if they have messed up my getting for a house.

I just got back from my local Chase branch. I closed all of my Chase accounts (a couple of checking, savings, and retirement). Man, that felt good! The branch manager tried to talk me out of it, but as soon as I pulled out one of the "WaMuClosure1" letters, she stopped, said she understood, and said she was sorry to see me go. I've been a customer since the day they opened up our local branch.

My Chase credit card payment due date is 7/29/2009. This would normally mean that I should be allowed to make a payment on 7/29 until the end of business day. Unfortunately, Chase has a cut off time of 4:00 PM EST. This may make sense to your company but is not very customer-focused especially if I am not based on the east coast, but in California. I refused to work with a company that is not customer-focused and have hence closed my account. I just wanted you to have the feedback nevertheless. The Chase policy is misleading and almost bordering on a potential class action suit.

Chase closed my account without warning and like other people on this site, I was a good customer, never late, paid way over minimum, etc. My card was also a WaMu account before Chase bought them. It appears they are arbitrarily closing accounts which will affect people's scores negatively without just cause. I'm pretty much certain this will negatively affect my credit score.

Similar to other people I read on this site, I was a former WaMu customer for several years. I have two former WaMu credit cards, now Chase cards, and one was closed because of my credit report. The other was left open. Why? They were rude on the phone and wouldn't give me an address to write to or a supervisor to talk to. I have had this card for six years, always paid more than the minimum and never had a late payment. They closed the account without telling me. I found out while trying to use it and they took the 11.99% interest rate and jacked it up to 20%. This is blasphemy. I, like several others, am going through tough times, but have not defaulted on any of my obligations. I am upset that good customers suffer when it's needed the most. The biggest fear or lie about Chase was that after the WaMu takeover, things would be better, not worse.

I had a WaMu credit card for the past couple of years. I have maxed this card out at times and paid it off at least three times. A couple of months ago, I received a notice that Chase was raising my interest rate. That was bad enough; however, I knew I had to pay regardless. I am trying to buy property and need to improve my credit score; therefore, I began paying off credit cards. I began with Chase in June, then last week, I received a letter telling me they are closing my account. I was livid. I was treated exceptionally well by WaMu and never had any problems. It seems as if Chase decided to take over the assets of WaMu to their advantage (and get government help in doing so) and then are cutting the "liabilities" with lame excuses.

I have had a WaMu credit card. For some time now, that was taken over by Chase. I've never made a late payment, and honestly, I have paid the balance in full every month since I got the card. I tried to make a purchase and got declined. I called and got someone I could barely understand who said the account had been cancelled because the available credit was too low. I don't really understand, because I had a $3,000 limit. Are they only giving cards out with high limits now. He said I would receive a letter telling me why in detail, but that has been almost two weeks now.

I too have had the WaMu credit card for over two years. I never made a late payment, was never over the limit and always paid above the minimum on my card. My husband went to use the card and it was denied. I just figured that it was because the magnetic strip is damaged on his card, so I called Chase's customer service number to request a new card for him. They then informed me that they could not give me a replacement card because my account had been closed. They gave me the same song and dance story about Experian as well. They also said that they had sent a letter stating why the account had been closed.

I received my Chase statement today and saw that they raised my APR by 4% from last month. I called to inquire why to Chase customer service. First, their customer service reps are rude. I asked why my APR was raised (once again), and all she could tell me was that my account was reviewed and it was due to "bank business purposes." They had no reason to raise it; I have never been late and always pay more than the minimum payment. It's a former WaMu card that Chase took over, so that may be why.

I received a letter from Chase today saying they were changing my fixed interest rate of 8.99% to a variable rate of somewhere over 15%. I have very good credit and have never been late paying my bill. I have carried a balance from time to time, but have always paid it off. Now, this is how they reward good customers! I am switching to using a different card that keeps their interest rate where it should be for good customers, but would so love to sue the pants off of Chase!

I also was a WaMu customer and Chase closed both of my accounts. One was an account that was originally a Providian account that I had since 2002. The WaMu account was opened about a year ago. The reasons they gave me were based on my credit report from Experian. These were the following reasons: time since last past due is too short; total available credit on bankcards is too low; and average length of time since bankcard(s) opening is too short.

For absolutely no reason other than a credit report from Experian, they closed my account. Fine. I've made more than my minimum amount every month since day one. So I'm taking out a loan to cover the amount (which is a hell of a lot less than the damn 29% they are asking for) and paying them off. I will never use Chase for anything ever again, and I'm advising everyone who reads this to do the same. I'm just about sick and tired of credit organizations running and ruining our lives. This has to stop! Now!

When Washington Mutual was taken over by Chase, my account was switched over to Chase, which did not seem to be too much of a deal. Sadly, Chase away WaMu's free credit report feature that tracked your credit score on a monthly basis, which was a nuisance but not too bad.

It looks like I'm just another stooge in a long line of Chase "customers" who have been screwed by Chase's predatory and shamelessly unregulated means of changing the "rules" whenever they see fit. I, too, tried to use my Chase Visa card the other day for a purchase and it was declined and had no idea why. I never chose to be a Chase customer. I obtained my Visa card through Providian several years ago. WaMu bought out Providian a few years ago, then Chase came along and bought out WaMu. I always paid more than the minimum due (even paid it off once or twice), always paid on time, and never went over my limit.

I have had a WaMu Visa card (now Chase) for about two years during which time I have always paid on time, paid well over the minimum payment and only carried minimal balances. I was on vacation last week and tried to pay the check for our meal with my Chase card and the card was declined. I called Chase the next day and could barely understand the customer service rep due to an extremely heavy accent. All I got from the conversation was that the account was closed and a letter had been sent. The letter was there when I returned from vacation and it stated my account had been closed due to not enough available credit and not enough history over two years old (about the time I separated from my ex). Apart from the embarrassment of having the card declined, I had planned on using this card while on vacation. I then had to use my debit card which left my bank account vulnerable.

I currently have a fixed rate of 8.9%. Yesterday, I received a letter informing me that in response to market conditions, new federal laws and regulations, and their increasing costs, they will change my APR to a variable rate of 15.24% on October 1 unless I opt out no later than August 19. This will close my account but retain the 8.9% until I pay off the balance. Now, I know darn right well that Chase Bank was one of the banks bailed out at a huge cost to us the taxpayers. How can they get away with this extortion by getting double the money from us by raising out APRs?

I had a WaMu credit card. Chase bought the company and my interest has more than doubled. I have called and cannot get anyone to answer. I went to use my card and it was declined. They just cancel the card with no notice. I am unemployed. The raise in rates is too much for me to pay. I owe $3,000.00 and in the last 6 months I have paid $700.00 in interest. This is not right. Who is going to stop this? What is being done to stop this?

I received a letter on July 29, 2009 from Chase that my credit limit has been reduced to $12,900, which is $5,000 less than it was. When I called to understand the reason, they told me to call another company which does credit reporting for them. They refused to help me and told me the decision is based on that company’s report. Even I informed the Chase rep that I have had my credit card with them for over 10 years and have never had any problem or delays of payment right down to the last payment which was sent on time and was 3 times the amount due.

Chase recently sent me a letter that they were changing the terms of my account to increase any or all balance transfer interest rates from what they had promised and will be increasing the minimum payment from 2% to 5%. I have 6 accounts with Chase: a home mortgage, home equity, 2 checking accounts (formerly with WAMU) and 2 credit cards. I have been a good customer for 15 years. My payments have been excellent and my credit rating is over 750. My payment will go from $180 to $450! When I called and spoke to a supervisor, I was told that they will record the conversation, but federal law prohibited me from recording theirs. When I asked why the rate was increasing, I was told that it was across the board with no other explanation. May I join a class-action lawsuit? This will put me in very difficult financial straits. I will either have to default on payments, declare bankruptcy, or take money out my 401(K) fund, which will detract from my retirement.

I am like many others that was a good WaMu customer and paid on time. I found out my account had been closed when I received a letter from QVC saying that my credit card was declined. I could not figure out how that could be! I called QVC and told them that it must have been a mistake because I had just gone online and checked my available credit and I had $2,700 that was available. QVC re-ran the card and once again, it was declined! How embarrassing!

I was out to dinner and went to pay the bill with my Chase card. It was declined. I thought this must be a terrible mix up, so I called them. First complaint is that no one speaks English in the customer service department! They said they closed my account out and that a letter was mailed to me on July 21, 2009. I am still waiting for the letter! My credit limit was $8,900.00. I paid my balance in full $8,000.00 in March! I’ve never been late and was over the limit one time in 3 years! I always paid more than the minimum amount! I am hoping that this is a violation of our rights somehow! My biggest concern is that my credit report will be affected by this because they closed out my account! I am fuming!

I currently have (had!) two WaMu credit cards that were taken over by Chase Bank. In my entire history with them, on both accounts, I never was late with a payment and always paid over the minimum. Yesterday, I attempted to use one of the cards and was told it was declined. I figured it must have been an error of some kind because I had just checked my accounts online that very day and they both showed available credit. When I contacted the number on the back of my card, they told me that they had in fact cancelled my card! What?! They gave me the same "based on information from Experian" reply that the other people posting here have referenced. The most frustrating thing is that there is nobody that you can talk to. The call center in India is just reading from their script and cannot/will not refer you to somebody with answers. I don't know if my other card was cancelled as well because even today my online statement shows credit available for both cards!

I had a WaMu account that went to Chase. I had a $1,500 credit limit. I paid of the balance and had a credit - they owed me. I went to use the card only to find out my account had been closed. I was told the letter stating why had been mailed on 7/8/09. So why did I get my refund (I had to ask for it) dated the 15th first?

Chase closed my Visa card (formerly a Washington Mutual Visa) with no advance notice. I found out about the closure only after calling their customer service department when my card was declined while attempting to make a purchase. The phone rep would not give me any information on why the account was closed, and would only say a letter was mailed to me on July 21, 2009. As of July 29th, I've received no such letter. I'm 46 years old and have never made a late payment on any credit, mortgage or car loan in my entire life. While I believe Chase has the right to close any account they choose, they should be required to provide at least 30 days’ advance notice to the customer unless there's overt fraud involved.

I have had a WaMu card for over two years, never a late payment, always paid above minimum. Two days ago, I got a letter that the account was cancelled. I haven't even used the card in over a year! Chase (formerly Bank One) has been our bank for many years. We have our car loan with Chase. Well, no more, we have switched the car loan and our checking account to a credit union and never plan to work with Chase again.

I tried using my Chase credit card the other day and I was told that it was declined. After calling Chase, they told me the account was closed due to my credit report. My credit report is fine and I have a 700 FICO score. When I checked my report, there were no late payments and all accounts are in good standing. I have always paid my bill on time and always paid much more than the minimum. I was never notified of my account being closed. Chase stated they mailed me a letter which I'm still waiting to receive. This account used to be Washington Mutual before Chase took over. What I find strange is they didn't close my other Chase credit card account. I had this account with Chase before I opened my Washington Mutual credit card. If my credit report was so bad, then why didn't they close this account? After reading all the complaints online, Chase seems to be targeting all Washington Mutual accounts.

I am a former WaMu customer and received the same notice that my credit card account had been closed. I found out today by calling the 800 number that my other card was also closed. I too have nothing on my credit to warrant this. Unfortunately, I am trying to buy a home, so this hit to my credit is a real problem. I would love it if I could be part of a class action suit.

I received a letter informing me that both of my accounts were closed due to high balance, cards are over the limit or total available credit on cards too low. I just paid these cards off a couple of months prior. I was also a Providian, WaMu cardholder. I contacted Chase. They told me to contact Experian - very scripted answer. I contacted Experian after pulling my credit report and nothing suspicious or negative on it. Experian didn't have an answer either. I called Chase back and explained what I saw. They were very quick to give out a fax # where I could send my report. I didn't understand why I would send them a report supposedly that they determined to close my accounts from. I am not sure what they are doing. I asked them, "Is this because I was a WaMu customer?" Since they were quick with the fax #. I figured others had been affected. I am very disappointed with this. If anyone can lend advice how we should handle this, I would love to hear from you.

Why did the government wait until 2010 before the new credit card laws that are to prevent the banks (Chase) from stealing our money go into effect? Is it because the politicians were paid off by the lobbyist so the banks can do what ever they want to screw the public before 2010? I see a money grab here and it should be stopped. Chase sent me a letter stating that they were going to raise my interest rate from 14.9 to 18.9 unless I cancelled the card. I should have, but did not, and within one week of raising my interest they went ahead and cancelled the card. There is no honesty left in the banking industry and to prove that point, just look at all the ridiculous bonuses that are paid out and yet they claim they are losing money! I have not missed a payment and always paid more than the minimum. This is larceny at its best!

My credit card was with WaMu. I had the card for over 2 years. I was never late, always paid at least a week early and way over any minimum they ever asked for every month. My card was transferred to Chase after being bought out. With Chase, my card and terms were exactly as it had been with WaMu. Suddenly, this month (July 9), I get the famous letter that everyone else has about my credit report being pulled from Experian and because "total available credit on bankcards is too low, average length of time since bankcards opening is too short and too few open accounts with time on file greater than 24 months" came up on the credit bureau, they are canceling my account.

I have had a WaMu card taken over by Chase. I have never been late and always pay more than the minimum and have never exceeded my limit. They, without notice, closed my account. Their excuse was my other credit card was close to its limit. How pathetic. Responses from several individuals there proved useless. They just said it was due to information in my credit report about balances being too close to the limit. I only have one other card with a balance at all. I rarely use the card and don't abuse my credit. Having an account closed by the institution damages my credit score, not to mention not having the card available in an emergency.

I scheduled a payment on WAMU.com for my CC. Somehow the payment didn't go through. Coincidentally, my payment was scheduled during the switch to Chase.com. When I saw the "late payment" on my account, I called Chase’s customer aggravation (I mean “service”) number. They tell me I didn't schedule the payment that I had a confirmation number for. The rude girl I had the displeasure of speaking to refused to waive the fee. Now, my account has the "default" rate of 29% applied to it. No one would let me speak to a supervisor or manager. Instead, I was told to "write a letter to express your concerns.” The account in question has been open for 4 years. I make 3 times or more the minimum monthly payment on time every time. I never missed a payment.

I was a WaMu credit card holder and had no problem. I liked them a lot then Chase took over and it was only a matter of time before they trashed my credit when they canceled my credit card. I always paid on time and more than the minimum payment. No notice was given and I only found out when I went to use the card. Several weeks later, a letter was sent telling me it was canceled. I like to thank the idiots in Washington for the Credit Card Act. It's really helping the American people.

I too had an account with Washington Mutual and I was very happy with the relationship. In comes Chase and up goes my APR to 31.99%. They upped my APR years ago to a ridiculous amount and I swore I would never use them again. On July 10, 2009, I tried to use my credit card and it was declined. I called Chase and the person I spoke with said my card had been canceled. When I asked why, she said a letter went out. I told her I had not received it and she said it went out on July 11th (I am calling on the 10th?). I asked how they can close an account without warning and humiliate their customers who use the card and then are told it was denied. She said I would get a letter. I was leaving on a trip the next day and had planned to use that card for the hotel. Thank God I found out before I left. I had never been late on payments and had always paid more than the minimum. I am totally disgusted with this company and I think something should be done!

I have been a Providian, WAMU - and now - Chase customer going on 11 years. I went to use my card and was turned down. I had plenty of credit left. Then I received a letter saying my card was cancelled due to Experian’s credit report. One of the claims being my bank account was too low. I called them and told them since I was calling from PA, I had to tell them they were being recorded. The first person was very rude and put me on with a supervisor who said she denies my request to record her and she hung up. I keep reading these claims from people about their cards being closed, so it makes me feel a bit better (join the club, right?). For these people to have received bail out money (so I've heard), they should be ashamed of themselves. I did e-mail them and will pass on what I'm sure is another rude response. I'll decide if I'm going to pay off or just let it go once I see my credit score. I believe the Experian thing is some sort of scam, but time will tell.

I was charged a finance charge even though I paid my bill in full. Multiple representatives have argued with me and stated that the finance charge is because I did not pay in full. I cited documentation otherwise. I have been hung up on. They implied I was not intelligent enough to understand, etc. I followed up with two email communications in which they stated the policy that finance charges are applied if you do not pay in full. I did. Essentially, I just wanted assurance that the full payment I made today will be it and I won't have a payment due. I do have documentation of all my statements since January 2009 and the two email communications from Chase that do not address my specific claim. In addition, I mailed documentation to Chase hoping things will get resolved. I closed my credit card immediately and no longer have this available in case of emergencies.

I received a WaMu credit card in September 2008. I had no problems with them. Then Chase bought them out, and I figured nothing would change. Until I received a letter from Chase on July 26, 2009 stating that my card had been cancelled. When I called their customer service, I was told it had to do with my credit report. I paid for my credit report instead of waiting for the free one to come in the mail as per the instructions from Chase to see what they were referring to.

I have held a Providian/WaMu Credit card for 10 years. I have never been late with any payment and never exceeded my credit limits with any account. I always pay more than the minimum monthly payments, even somewhere between three to four times what was due. If my payment was $200, I would pay $500, as an example. I have managed to maintain a great payment history with all my creditors and always paid my mortgage payments and utilities on time. I have never bounced a check and have maintained a credit score from around 720 to 830.

I have had a WaMu credit card for over a year now. I went to pay with my WaMu/Chase credit card for a repair to a broken windshield and they stated my card was declined. I called Chase and asked why this was and they stated the credit limits on my other cards were too low, yet when I initially opened the account, my limits were half of what they are today, and I have never been late on my payments, and always pay at least double of my minimum payment.

The same situation as many other former long-time Providian/WaMu customers that were taken over by Chase, two cards, each open for 8+ years. Both are in good standing without a single late payment or over-limit situation ever. I tried to use one of the cards on July 17th; it was declined (tried it twice). Then, I received a letter from them in the mail dated July 21st saying my accounts have been closed, four days after it was declined but was still supposedly in good standing. They reference reasons as listed by my Experian credit report. I looked at my Experian report and all accounts were in good standing and being paid as agreed/closed because they were paid off (there was one 30 days late payment from Macy's back in 2003, which I have no recollection of).

I received a letter from Chase today stating that they had closed my account. I have had this account for over 6 years, and it was formerly a WaMu account. I have never been late and have always paid on time and even paid it off several times. I called them immediately, and they wouldn't tell me anything but only to obtain my credit report, which I immediately did. There have been no inquiries since May on my report, so I know that they did not really obtain the information from the credit bureau.

Chase informed me in June that my minimum payment would increase from 2 to 5% monthly. I called and explained that this would make my minimum payment go from $700 to $1700. They stated that it was a universal change. She told me that "because of the economy, the bank wants more of their money back." I could call consumer credit counseling, or write to a man named Kelly **. I wrote, explaining that I fully believed I owed my debts (about $35,000 from when my husband was out of work), that I had consolidated with their low APRs for life (2.99% to 6.99% on 3 different cards). I explained that it would be a financial hardship to more than double my payment, and we would be forced to go to consumer credit counseling or bankruptcy, and they would, therefore, get less of their money back which would be detrimental to both of us.

I just received notice from Chase Bank on July 21st that both my credit cards were being closed. Shocked, I immediately pulled my Experian credit report which they stated they used in making the decision to close my accounts. As I suspected, my credit is still spotless as it always has been. I was a Providian customer back in 2005, which then turned into WaMu, and now Chase. I was very satisfied with WaMu, especially with them providing free access to your credit score every month.

I checked all my credit card balances before I left for an interview out of town. I went to check into the hotel and my credit card was cancelled. I called and an extremely rude woman answered. I explained that I had adequate room on my card. She said; well let me take a look. She said ma'am your account is closed and you will never have an account with us again. I was baffled. I have never been late. My credit report is better than it's ever been. I had been making more than ever before.

I received my credit card and used it for the first time. I did not receive the first bill and when the second bill arrived, it was with interest and penalties. At this time, I was told to pay the bill and that I could ask for an adjustment after the bill was paid. I did so. When the next bill arrived, I called to deal with the overpayment and the interest I was told that I have to send in a letter and this can no longer be dealt with by phone. When I asked to speak to a supervisor, I was told that there is no one in a position of higher authority. I now have to waste my time and stamp dealing with Chase's incompetence. When do the consumers get to charge for their wasted time by inefficient companies?

This all started when Chase merged and took over WaMu. We were very happy with WaMu's services, both credit card accounts and banking. As soon as our two Wamu credit cards were taken over by Chase, we noticed that they for no reason just raised the interest rate. On one card it was from 9% to 24%. My wife and I have never been late on any of accounts and pay more than double the required minimum payments. On July 24th, we got letters stating that they have just decided to close our accounts and they were already closed.

Yesterday afternoon, I went to buy gas with my Chase card. I have a card with a $2,200 credit limit and I had about $500 left on my balance. When I presented the card, they said it was declined. I called Chase and the woman told me that my card was closed on July 22nd for reasons that will be disclosed in a letter. When I asked for further details, she kept referring for me to wait for the letter.

Chase cancelled my two credit cards that were formerly WaMu. I had very high balances but I have been paying them down steadily for the past 8 months. I sent payment on time and always more than minimum. I was informed that my accounts were cancelled two weeks after they were. When I called and asked to have my accounts reinstated so I can keep paying them down and therefore improving my credit, I was told that was not possible. I was told that I still have to pay back my balance even though they now ruined my credit score by taking away 2/3 of my credit.

Add another person to the list of former WaMu customers that had their card cancelled. I got the same letter dated July 21, 2009 citing Experian as source of the information with the footnote WaMuClosure1 at the bottom. I have never carried a balance on this particular card ever. I, too, pay all my credit cards on time. I do not have high credit card debt. I carry a small balance on one card that I always pay more than the minimum due. I also have another card through Chase that I have had for about four years. This card has not been cancelled. They have so obviously targeted former WaMu customers. I feel these practices are highly unfair and wrong. Why did they continue the account in the first place only to cancel it a few months later? I received a letter when Chase took over WaMu saying they would review the account and if it was acceptable, they would issue a Chase account in place of my WaMu account. Shortly after, I received my new Chase card in the mail.

I was sold to Chase credit cards, as I was formerly a WaMu holder. I asked for an interest rate deduction. Instead, I got a letter dated 07/17/09 reducing my credit limit (so I was almost maxed out) and my statement cut on 07/20/09 and was charged an over the limit fee. They refuse to take it off when I only had a 3-day notice and my finance fees put me over my limit. I have had this card 7 years and have never been late, or over the limit, and always pay more than the minimum.

I received a letter from Chase dated July 21, 2009 (the same date as all the other complaints) indicating that due to an Experian report, my credit limit was being reduced by over $3,000, and thus, Chase dishonored a balance transfer check that I had written to another institution.

I was a WaMu card holder for a couple of years. I'm happy as a clam, until a few months after Chase took over. My accounts, one personal credit and the other a business card, were in good standing. I was never late, always paid more than the minimum, and never had a problem. I was at the mall the other day and tried to make a purchase, only to be told my card was denied. I was mortified.

On July 21st, I received a letter from Chase Bank stating that they were going to close my credit card account for the following reason/s: 1. total available credit on bank cards is too low; 2. average length of time since bankcards’ opening is too short; and 3. too few accounts paid as agreed compared to total accounts!

Are there any pending lawsuits against Chase with regards to closing accounts in good standing? I received a letter dated 7/21/2009 indicating that my account has been closed due to a report from Experian. They have repeatedly denied my request to lower my 31.99% interest rate, which ballooned due to late payments 5 years ago! I am having a hard time understanding why I have paid a $100+ a month bill to only have it closed. This is going to kill my credit score. I am outraged. I phoned Chase this morning to have them repeatedly insist that I fax them a report they obviously already have access to. I am interested to understand if I have any legal options here.

I opened a credit card account in 2008 with WaMu. The terms of the agreement were 0% interest for 1 year and then 17.99% with an $8,000 credit limit. Chase took over WaMu and raised my interest to 20.24% and lowered my credit limit to $7,500 based on info they received from Experian. I checked my report; there is nothing to validate their action. Raising my interest rate for no reason has caused a hardship on my family and I don't know how long we will continue to pay on it.

My account was closed without prior notification. The only way I found out was because I tried to use it and it was declined. I was never late and a prior WaMu account.

I just wanted to let everyone know that I previously had a bad experience with a two-day late rate hike that happened wrongfully to my parents who have never been late ever on a bill. My father was in the hospital and everything else was secondary. I could not believe for over a year they were charged unimaginable money. I wrote to Chase explaining the horrible incident. Today, my mother received a letter that rectified the interest rate as well as an adjustment. I was so pleased that they did care about the customers.

I have good credit with a long history of paying on time like clockwork as soon as I receive the statement. I did not receive a Chase Statement and was late on one payment. I paid as soon as I realized it was late. Chase raised my interest rate from 13% to 27%. When I called to ask about it, they simply said that it wasn't their responsibility to mail statements but it was my responsibility to pay anyway, so they were penalizing me by more than doubling my interest rate, and there was nothing I could do about it.

I too received a dreaded letter from Chase closing my account I've had with WaMu for about three years. They gave me three reasons including past due history on one or more accounts. Never in my life have I missed a payment on anything. I checked my credit report and it showed zero delinquencies for the past three years. This is disgusting how they can just close all these accounts and stab at everyone's credit rating. To think I was just about to get a house. Now the mortgage broker will see Chase closed a credit card account at their disclosure. Thank you, Chase, for slimming my chances at being a homeowner.

On September 11, 2008, I deposited a Chase promotional check # ** in the amount of $5,500.00 in my account at Commerce Bank to be debited to my Chase Visa account at the promotional APR of 4.99% fixed for the life of the loan. In order to receive this APR, the check had to be used by September 21, 2008. I have a copy of the cancelled check showing that it was cashed on September 11, 2008, which I faxed to Chase on June 23, 2009. Chase is still charging me 12.24% interest, saying the check was not used before September 21, 2008. I feel I should be reimbursed for all of the excess interest I have been paying on this loan.

I charged $1000 on my Chase card toward transmission repair for my car. Within two weeks, I received a letter from them saying that they were raising the interest on my card 3%, from 12.25% to 15.25%. I had the option to terminate the account, which I did. The next bill I received reflected a $39 late fee, even though I sent the payment out five days before the due date (from Florida to Delaware). I disputed the bill to no avail. Then I received this month’s bill and guess what? My interest is now 29.99%. On a $2900 balance, my minimum payment is $101 with $80 of it interest. I cannot afford this bill. If I pay the minimum, I will be paying over $10,000 interest. I know they received my payment on time.

I received a letter stating that my account was being closed because of information on my Experian credit report. I have never paid late or been over the credit limit in the year and a half I have had it. Credit card companies are whining about the new credit card bill of rights law passed because they won’t be able to do things like this anymore. Well, it is nonsense like this that has caused Congress to act, so this is what you asked for, Chase. Enjoy!

I received a letter dated 7/21/09 stating that my account with them was being closed due to my Experian credit report. I have absolutely nothing derogatory on there. When I called, I was told that it actually had been closed on 7/14/09 (a whole week before the notice to me had been generated). I have been a customer of WaMu since 2006 and have made payments more than the minimum on a monthly basis. I did have one overcharge (in 2006), and I paid that immediately as I had made an error. My interest rate went up, but I understood. But that was 3 years ago, and I had since had my limit raised. This certainly came as a shock to me.

I'm a former WaMu platinum credit card holder. Chase took my account during their takeover of WaMu. I've been a card holder since early 2006, and I never held a high balance (always under 30% of available credit). I always paid more than the minimum, and I was never late once. I just checked my account online and learned that my account was closed! My current card was good until 11/09. I called Chase, and they stated that they pulled my credit through Experian, and I no longer met "their" standards! I can't believe that they took TARP money and started canceling out good consumers. They told me that my good payment history, balance, etc. weren't even considered.

I rarely use my WaMu/Chase card, but just to make sure it remains active, I decided to use it while on vacation last Wednesday to get gas. The clerk swiped the card and told me it had been declined. I laughed, because there was more than enough credit on it. So I asked her to try again. She said it was still declined, so I paid with cash. Once I got to our hotel, I decided to call to find out what the problem was, thinking maybe they sent a replacement card since mine had still been from WaMu. After verification, the CS rep told me my account had been closed on July 14 due to my report showing other credit account balances being higher than my available credit (It's the norm these days due companies slashing credit.).

I too got a letter from Chase today stating that they had closed my account. I have had this account for over a year, and it was formerly a WaMu account. I have never been late and have always paid double the minimum a week early. I immediately went to Experian's site to obtain a copy of my credit report. There have been no inquiries since May on my report, so I know that they did not really obtain the information from the credit bureau.

I received a letter in the mail stating that due to a credit report inquiry, my WaMu/Chase credit card was being closed. Before I received the letter that day, I tried to use my credit card and it was declined. You can imagine the humiliation I had received. I have never been late in my 4+ years with the account and always paid more. It seems to be a growing trend that Chase is closing all WaMu accounts and making you reapply for their card, which of course they did tell me this is what I should do. My credit is in good standing and I don't know how they can just do this. If they are doing something about WaMu, I fear they will do the same to my mortgage.

My card still says Washington Mutual on it, but it had been converted to a Chase account awhile ago. I just received a letter from them today saying my credit limit had been reduced by almost half. They claimed that there were some things on my credit report like not having a bank card with a high enough limit on it. What? I have paid off this card each and every month without fail even when there is a high balance on it. I believe they are not making any money off of me because of this, so why not jack with his limit? I am fortunate thus far that my card still works, as of yesterday anyway, but with what I have read on this and other sites, who knows? I guess I need to get another card with a different bank and forget about these guys. Be careful out there, folks.

We have had numerous problems with this company. My wife made a payment through Commerce which Commerce Bank returned by accident. When my wife called Chase, she made a payment the next day and Chase told her there would be no rate increase. Surprise: when we received our statement, we have $488.00 in interest and late fees. Our rate on the balance transfer went up approximately 24%. We have been told many things by Chase, and three different times, the company did the opposite of what we were told through their customer service. We have good credit for this month anyway and there is no way we can pay double our payment which we have been making for years. Chase has no problem lying to their customers and robbing them blind. At no time were we told our rate would increase to 29.99%. I feel bad for anyone that gets involved with this terrible company that commits criminal acts on a daily basis. I hope you guys can stop them from doing this to other people. For me, it may be too late. Consumer, beware: do not get a Chase card.

Chase closed two accounts I had without notice. I always pay on time and more than minimum payments. This will ruin my credit. I am so frustrated and feel so helpless that after an almost ten year loyal relationship, all your hard work to stay as a good customer is rewarded with a shocking slap in the face.

Chase (my account formerly WaMu) closed my account with a balance citing credit report with high balances and available credit too low. I have paid my bill every month on time. First, they raised the interest rate dramatically to 30%, then closed my account.

Just like everyone else, my WaMu credit card account was closed and I received the generic July 21 letter saying to check with Experian. Now, I am going through the same thought process as everyone else, trying to determine how this impacts my credit and how to get the security of an emergency credit card.

In March '09, they raised my interest to 29.9%. I always paid on time and paid more than minimum payment. I just received a letter saying they were cancelling me, only 3 months later.

Chase strikes again! I had a WaMu account in good standing for over 10 years, no late payments! They closed it because they said I have a bad credit score. Amazingly enough, I have good credit in the high 600s.

I have had a really good credit score when they decided to cancel my credit card. I never missed a payment on any of my cards, and now, it is going to ruin my credit because they are going to state "closed by issuer," which will show up as a negative. They should have to state more than that on the report to show it was not due to anything I did. For a company trying to get into California, this is not going to help, with everyone telling their friends about their experience with them (Remember California is the 8th largest economy in the world.).

Chase Bank closed my credit card account from WaMu. I've never been late, had a high interest rate but still never missed a payment. They say balance is too high. If anything, they should have lowered my credit limit.

When I received a pre-approved offer in the mail in 2008 (I don't recall the exact month) from WaMu, I went ahead and applied. They granted me a credit card with a $2500 credit limit. I was extremely diligent with the card hoping it would have a great impact on my score after a couple years. I always paid before the due date (usually at least 7-10 days before) through their online service, paid well over the minimum payment. My minimum payment was something like $26 and I never paid less than $100. I tried to keep the card usage down below the 50% mark, but if I ever went above, I paid it down right away. Then just last week (around July 21 or so), I received a letter stating that they had reviewed my credit report and had closed my account after careful consideration.

Chase closed my credit card with them. No notice. I have never been late in any of my payments or with any other credit card payment. I even called them six weeks before, letting them know that I was going to pay the card off by refinancing our home. I'm just waiting for the funds which I did receive today. With them closing it, now I have a black mark against my credit. I worked so hard to keep the score looking good and now this happens. I have written a letter to the bank, explaining that I want the account reopened. I will pay them and then close the account. If not, then they can wait 10 years before I pay it. The black mark is already there.

Here's the scenario in a nutshell. They paid off and closed all of the credit cards, except the top two - a WaMu Platinum with $25K limit and an ex-Providian that they have had for 12+ years with a $30K limit. Both cards have close to no balance. To celebrate the great job in cutting up and closing all the other cards they held, they put all the money they are saving not paying those "junk" cards into a savings account for a trip to Hawaii. When it's time to depart, they grab $500.00 in cash and the two "Premiere" cards, after both signing a contract to their selves, saying they will pay them in full with the vacation account when they get back. They would have paid the cards forward (i.e. prepaid the balance), but Chase doesn't allow doing that.

Two days ago, my WaMu card declined unexpectedly and I was absolutely humiliated. I always make payments on time, and I always pay considerably over the minimum. I checked online to see if there was anything wrong, and there had been no change. It still showed that I had availability. I didn't receive a phone call or an email regarding this, not even a notice online stating that my account was closed. When I got home from work that day, there was a letter dated July 21st stating that "after careful consideration, we have decided to close the above-noted account for the following principal reason(s):.." I was completely blown away. I immediately called Chase and had no luck with them. It was as if they were reading a script.

I opened my first credit card in 2001. It was a Visa from Providian Bank, which then got bought out by WaMu. I opened this card 9 years ago with a starting credit limit of $500. Since that time, my credit limit was increased annually, based on my never paying late and always paying more than the minimum, a lot more than the minimum. My credit limit is over $10,000 at this point. Last week, I received a letter from Chase stating due to my Experian credit report, they were closing my account. This is such an injustice. I have never had a problem with my credit or this card and they cited one of the reasons for closing it as I don't have enough accounts open for more than 36 months. Duh, this is the card I have had for 9 years. Why do I need more than that? I am so upset. I hope that something can be done for consumers affected by this. Credit reports better not be affected or I will start a lawsuit of my own!

I've never been late on my payment for Chase credit card and I've been a great customer. But today, I've got a letter from them which indicates late fee amount of $39 + finance charge $11.26 = $50.26! Unbelievable. It is outrageous amount! I called customer service immediately. However, many times they just said "We have a strict guideline for the payment due date so we cannot allow to give you any adjustment." All right. Forget about Chase credit card! Just close my account and I will never use it again!

I have three credit cards with Chase Credit. First, I received a notice that they raised my interest rate on the one card. Then on June 25, 2009, I received a notice that they lowered the limits on all three cards. I am a long term customer that pays my bills and on time.

After 4 years of perfect payment history and paying off the card $2,000 balance beginning of this year. I got the same letter in the mail closing my account with Chase based on what they say is the Experian credit report. I called and complained, but that got me nowhere. I would be interested in a class action lawsuit against this scam artist company. I am now worried that them closing my account will negatively affect my credit score.

My APR increased without notice from 9.24% to 15.99%. When I called to find out why, I was given a "scripted" reason (I called and talked to more than one adviser, including a supervisor and got the same response). I was told that a letter went out informing me of the change and that I had the option of closing the account or maintaining the current APR. I received similar letters from other cards and responded to them, but never received anything from Chase. They all said that the letter made it to the post office so therefore, the rates will stay. I never received the letter! As a consumer and a good customer of Chase, they made absolutely no attempt to correct the situation and continued to respond with the same "scripted" response.

I have been a Chase cardholder for many years and never kept a balance and paid on time. Chase recently began screwing with the due date on my payment, making it a few days earlier every month. This month, I received a letter from them indicating that they would give me additional days to pay since they concluded I used a bill pay service. I still got hit with the $39.00 late fee. When I called to ask them to reverse the late fee, they said they weren't authorized to remove the fee. I closed the account and will never do business with them again.

I went on vacation, came back and was checking my accounts and saw my WaMu/Chase MasterCard had been closed. I was leery from the start to open. Another credit card account even though I had been a WaMu customer since the mid 90's. I opened the MasterCard account in November of 2008 only for it to be closed the 21st of July 2009. I have never been late on payments and I have always paid above the minimum payment. I have good credit, nothing late, no collections, nothing. I was told I was closed due to a report on Experian. I myself pay for credit monitoring every month. I have nothing showing on my credit report as bad. This is now going to ruin my credit.

As with many of the other complaints I have seen online, our credit card with WaMu was closed after Chase Bank took over and their "careful consideration." We had this card for years with no late payments or over the limit, etc. Their customer service people are awful, and supervisors all just spout the same thing: contact Experian. Well, Experian did not close my account, Chase did. Nothing has changed in Experian. There are no late payments nor any other negative issues on my credit. I pay my payment or more than my payment every month on time, and I have not opened any new accounts in 2 years. And yet, these are the reasons my account has been closed. I will be closing checking/savings anything associated with this ridiculous bank. This is unacceptable and needs to be stopped.

I, too, received a notice that Chase was cancelling my card (initially through WaMu), due to various vague reasons that do not make sense. I've always made my payments on time and more than the minimum payment, and I think it stinks that they did this. I hope Chase goes bankrupt - this is just another example of the banks taking advantage of the recession.

Without any warning, despite claims of mailed correspondence, my account was closed last week. I had been a WaMu customer since February 2007 and saw my credit line extended from $500 to $3,000 because of timely payments, and payments well over the minimum required. Chase subsequently bought out WaMu and my payments continued in a timely and again, well over the minimum fashion. If one was to look at my credit history with these two companies (which cannot be traced or is not accessible from starting with WaMu in Feb '07 on Chase.com) if I have made 29 payments in my time with this credit card, 28 have been on time and over the minimum.

I received a letter from Chase stating that after careful consideration, we have decided to close the above-noted account for the following principal reason(s): Time since last past due too short. Too many open bankcards with high balances. The number of bankcards opened has grown too fast.

I have been visiting Mexico for a long time. I do my banking with Washington Mutual, using ATMs in Mexico and paying a fee to Washington Mutual every time. A few days ago, my account was transferred to Chase bank, as they are taking over Washington Mutual. The first thing they did was remove $24 from my account for an international ATM fee. I was never informed of this fee. I have paid a fee every time I used the ATM and they were completely evasive in answering any questions about this fee, only stating that it is an ATM international fee. That was their only explanation.

I was a loyal Washington Mutual (WaMu) customer for 4 years and then the card was sold to Chase. I also have a card through Chase, so I then had 2 credit cards through the company. Just like all the other card holders on here, I have never been late. I have requested that both cards be merged into one balance and they refused saying they were unable to transfer from one Chase card to another. My interest rate spiked up to 28% in June and when I called to inquire about a lower interest rate, they refused that request.

I was a WaMu customer and Chase took over. I have never been late or over my limit and they sent me a letter cancelling my credit card, which they did 2 weeks prior the notification. I want to know if they have damaged my credit rating just because I was a former WaMu customer?

I had a very bad experience with Chase Bank more than a decade ago, so I was skeptical when they bought up WaMu and my credit card account with it. After 5 years, no delinquencies, never maxed out the account, I decided to transfer the remaining balance on the card to another bank with a significantly lower interest rate. Not long after, I got the notice that my account was closed for reasons not actually related to my account (the Experian excuse). They casually threw out 5 years of credit-building based on their assessment of my relationships with other banks, who had already been lowering my credit limits as I paid the accounts down. Apparently, my value as a customer disappeared along with my interest payments.

I received a letter from Chase in May of 2009 regarding an increase in my APR from 10.99% to 14.99%. I was given 2 options. The first, to keep the account open and accept the higher interest rate or close the account and maintain the current APR rate. I decided to accept the higher interest and keep the account open and continue making my monthly payments. I received a letter on July 25th, dated July 21, 2009 from Chase stating they are closing my account despite the fact that I did not request it to be closed. I am consistent in making my monthly payments on time and normally above the minimum payment. I am afraid this will affect my credit rating and it's an injustice to me knowing that I now have to pay with a higher interest rate. It was sneaky and underhanded. I would like to know what I can do. Please help!

As many others, my Chase (legacy WaMu cards) were closed a few days ago by Chase, citing Experian, too many active bank cards (3), and number of bank cards opened too fast (one in the last 24 months). I called Chase to complain and asked for a clear explanation since I have pulled my credit myself and didn't see anything suspicious - nor am I defaulted on any of my cards. I would like to file a formal complaint. I have read online that many consumers are experiencing the same thing and I find this practice unethical and executed under false pretenses.

My Washington Mutual credit card with a $4,000 limit was switched to Chase when they took over Washington Mutual. When it happened, they jacked my interest rate up to 29%. When I paid off my entire balance several months later, they then sent me a letter stating that they closed my account for various reasons. The card balance was too high. It was zero. My credit score is 690 and I have had this card for years. I never missed a payment, yet they decided to close it. They have done this to every former WaMu card holder. This is ridiculous. Someone needs to stop these people. They get billions from the government and I get ** on.

I, myself, was also a WaMu cardholder for about one year. I received a Chase card and had it for about three months. I just received a letter from them telling me my account was being closed after "careful consideration" and this makes me furious. I have never been late on payments. In fact, I always paid my balance in full every month and had a $104.00 credit when they closed my account. I called customer service only to be told to obtain a copy of my credit report. I also have two other cards with Chase, one with a $200 limit and one with a $500 limit. I asked them why they did not close out any of those cards and why did it happen to be the $1,000 limit that used to be the WaMu card.

I was under a low interest rate promotion with Chase in which I had been faithfully making monthly payments. I needed to get some dental work done and decided to use the account for the dental work. I also wanted to purchase a software license. When I attempted to purchase the software, there was a problem with the card. I found out later that it was because my credit limit had been slashed in half. Since the dental work had been approved and with the reduction in my credit line, I was over the limit on my account. Chase assessed a $39 over limit fee. I called and a customer service rep removed the over limit fee.

My WaMu credit card was transferred to Chase, and, despite making regular monthly payments (usually in excess of the minimum payment) on my measly $2200 balance, Chase decreased my limit - an action that is now reflected on my credit score.

I was a Wamu customer for more than 11 years and a credit card holder for 5. I had two credit cards that I never defaulted on. In fact, quite the contrary, I always overpaid to ensure that it reflects as such on my credit report. One of my credit cards was for $6k and the other $9k. Both are very low limits and in excellent standing. My credit score is almost 700 and I have a secure job. However, like many here have reported, I too received two letters in the mail last week advising me that my accounts have been canceled. I was shocked since I've never defaulted on any payment and Chase reps advised me that my credit cards had to be canceled and I needed to continue paying the cards until they are paid off. Quite frankly, I hate Chase and will never do business with them ever. Well, presumably since this is my highest credit card limit with the oldest credit history, the damage will be devastating. My FICO score will definitely drop. Thanks to Chase! And they got a bail out on my dime (tax payers).

Chase sent my husband and me letters saying they closed my account four days prior. I do paperless communications with them and pay my bills online. However, they didn't e-mail us. Also, according to my account info online, my card is open and has available credit. They also signed all letters as portfolio lending, not a credit review person or manager, which seems that these letters were form letters. Also, the reason on my card was that I had too few credit cards with them. (I have one card.) On my wife's, the reason was she had too many credit cards with them. (She has two cards.) As you can see, this isn't a real policy they have, just an excuse to close our account, which are and have been in good standing since we have had them. Clearly, no one can have one and a half credit cards, which you would need in order to have more than one card, but less than two. We were former WaMu customers. I believe that is the real reason.

I too had a WaMu credit card that was transferred to Chase. I paid off my entire balance due in the beginning of July. I received a bill for almost $100 after the account was paid in full. I called and was told that it was interest charged to my account from the time the balance was posted until the payment was made and that interest was charged daily. I cannot get this charge removed and will have to eat the 100 bucks. I closed my account that day, July 16th. I just received a letter from Chase dated July 22 saying they lowered my credit limit (on an account that was closed by me, mind you) due to negative reports from Experian. I checked my Experian report and there are no negative items on it. Chase claims they reported three negatives to them, even though they are nowhere to be found on my reports and I have never made a late payment and my credit score is over 700. Calling Chase twice got me nowhere. I'm now concerned my credit score will be damaged because of this.

Chase closed my WaMu account for no reason. This was one of my highest cards and I had minimal balance! The result is that my credit is being ruined, not to mention the humiliation of having a card denied, the inability to purchase after paying down my balances in anticipation of the holidays, birthdays, etc. Now, what do I tell my kids?

I used to have a WAMU credit card for almost four years. When Chase acquired WAMU, I was told that I would receive a new card. When I received the card, I tried to activate it and was told by a representative that my account had been closed. I was so confused and was asking for clarification, but she would only tell me to check with Experian. I watched my credit like a hawk and have fabulous credit. My score is over 700 and I always overpay and am never ever late with payments. I called the customer service for WAMU and was given a random statement that I was a credit risk. They kept repeating it over and over again. I asked how was I a credit risk? I have been a perfect customer of WAMU for 4 years and I have fabulous credit. But the rep kept repeating the same thing that I was a credit risk. I was hung up on twice and could not get a supervisor on the phone until my husband threatened to call the corporate office and the news station. But he only gave us the same drill and practiced line.

I was a WAMU customer and I held two credit cards with them. With the merger/buy out, the cards got transferred to Chase, though they never sent me a new card but said I could continue to use my WAMU cards. I just received two letters from Chase for each credit card. Both stating that "after careful consideration, we have decided to close the above noted account for the following principal reasons," and the reasons given do not make any sense. I have never been late on a payment and in fact I always pay before the due date. I always pay more than the minimum due. I called customer service and the woman just kept saying the same thing (as if she was reading off of a piece of paper which I'm sure that she was): "I understand your frustration, but we have limited information and we recommend that you contact one of our three credit reporting agencies." She said it over and over. I kept telling her that I just wanted answers and read to her the reasons for the account being closed and let her know that I haven't had any delinquencies on my credit report and she kept repeating herself. I asked to speak with someone who could answer my questions and she said, "Thank you for calling Chase," and was about to hang up on me.

I received two Chase bills 2 days apart. One was a bill I should have gotten 3 weeks earlier - you can say "oh it's my mail". But then the same thing happened to my 20-year old daughter and now my 90-year old grandmother. Chase is refusing to remove the late fees, each of our credit situations is different. One carries a balance and pays the minimum monthly, another carries a small balance and pays the majority monthly and lastly, my elderly grandmother who has been a customer for 30 years has never made a late payment and never carried a balance. We were all told "too bad", there is nothing they can do and two of use were hung up on. My grandmother called me very upset saying she has never been late or been treated this way by a bank.

We wrote a letter to opt out of our credit card. The letter had the 3 account numbers and both my signature and my husband's signature. Chase closed my husband's account, only one, and claim they never received my letter and raised my rates. I'm telling them to look for the letter that authorized them to close my husband's account. No, they claim they cannot find it. We have never made late payments, but I guess that we have to pay for all the crooks on Wall Street.

This July 2009, without warning or question, Chase Bank closed my credit card that was transferred over to them from the failed Washington Mutual Bank. I had never been late in payments and always paid more than the minimum to both Chase and Wamu. Not a big surprise though, considering that Wamu had dropped my credit limit drastically (by 95%, after I paid off the entire balance at once) just before they went under to Chase. Their (Chase) reason for closing my account? "Your debt-to-credit levels are too high on all your other cards." Oh, really? Okay, so even though I have a good credit score near 700, you (Chase) decide to damage it for no apparent reason by increasing my debt-to-credit ratio by lowering the amount of open available credit that I have by closing out a paid-off card of mine! Chase is the least trustworthy company that I have ever dealt with.

I read your article about Chase cutting off credit cards to former WAMU customers. I discovered they had done this to me today as well, citing the same ludicrous reason "due to high balances and low available credit". I paid my minuscule $1,000 limit credit card on time every month and always paid way more than the minimum payment due. I have not received their letter of explanation yet, I just happened to check my account this morning and found that it had been closed. I have a letter in to the CEO of JP Morgan Chase. I am sure it will be tossed out with the rest of the former Washington Mutual account holders. I hope you can do something to rectify this injustice to responsible cardholders. Thank you.

I went to use my Chase credit card two days ago and it was declined. Like most of the people here, I was told the account was closed due to a report from Experian. I have not missed any payments and always pay above the minimum payment. I was about to have some work done to my car in order for it to pass the state inspection and was going to use the card for the repairs. Now, I have no idea how I will pay for it, and it could cost me my job if I do not have a car. I have had nothing but problems with Chase since they bought out WaMu. Their website has been a mess to get into many times. I have been lied to by customer service in the past and now this. I certainly hope a class action suit or Federal investigation is forthcoming.

I received a letter on July 25, 2009 from Chase that was dated July 21, 2009. The letter stated that after careful consideration that my account was being close. The credit card account was previously WaMu. I have had the account since 2001. The account is active and paid on time each month. The balance is higher, but more than minimum is paid each month. They said they closed the account based on information from my credit report, such as: available credit on bankcard too low, too few accounts on file with greater than 36 months, and bankcard balance grew too fast. So in other words, I am being penalized for taking care of debts quickly as well for the credit card company jumping my limit. I could understand if I was harming them; however, they are making money off of me. Not only that, but my history with them is good. It seems a little fishy that out of nowhere they would decide to close an account that is an account in good standing.

BP/Chase: the following are recent examples of Chase reporting petty gas card accounts lowering our credit scores for no good reasons. We have had BP credit cards since 1990. Chase at some time took over BP accounts. Our BP account has always been paid in full each and every month. They and other credit card companies report the slightest increase in using their cards, but don't bother to report the decreases. These are quotes from our credit reports for the reason our scores were lowered: “Your Chase account balance has increased by 46% from $123 to $179 (July 2009). Your Chase account balance has increased by 132% from $53 to $123. (June 2009).” My credit has been damaged/hurt and my credit score was lowered numerous times without any fair reasons by BP/Chase and other credit card companies with the same reports of small increases but never reporting decreases.

I had a Washington Mutual credit card account that was taken over by Chase bank. On 7/20/2009, it was declined while I was trying to make a purchase. I didn't receive until over a week later a letter (sent on 7/21/2009) that explained that my account was closed by their "portfolio lending" group. The document was labeled at the bottom: "WaMuClosure1."

My account was closed without notice. I attempted to use it and it was declined. The next day, a letter arrived. It’s the same as everyone else here. I thought Obama signed into effect some serious laws to prevent credit practices such as this? I always paid twice the minimum and a week early. Also, I am a WAMU customer originally. After this balance is paid off, I will never bank with Chase ever, even if it’s free! Horrible!

So they say it is was our Experian reports that caused our accounts to be closed. I ask this question, where is the notice of inquiry? Any business that checks your credit leaves a record of that inquiry. Not Chase nor any of its subsidiaries has made any inquiries to Experian about my credit. WaMu customers are the ones they're closing. Unfair business practice? Sure sounds like it to me!

I have been a Chase card holder for over five years and never missed a payment and always have paid more than minimum. My interest rate for almost a year had been for 4.24%. In May 2009, it doubled to 8.24%. I phoned the company and was told a notice was sent in my previous statement and I could not opt out now of the higher rate. I asked why this had occurred and was told it had nothing to do with my credit. I am upset that a credit card company can raise their rates for their good customers to anything they want. Had I read the notice, I could have stopped using the card and kept my rate. However, I like to use a card and this is not a realistic alternative. I did email the complaint department and was told basically too bad. I hope the new controls provide more consumer protection.

I have two WaMu credit cards that were consumed by Chase about six months ago. This week, I received two letters from Chase cancelling both cards and raising the interest rates, significantly, on both. I have never been late with my payments and even pay more than the minimum. I have also paid off both WaMu accounts several times. But I was told by Chase, based on a credit report from Experian, that I had too many open bank cards with high balances. I never posed a risk for either WaMu or Chase and do not appreciate this firm arbitrarily treating me as if I am some type of bad person for using the credit afforded me and for paying my obligations on time.

So I'm not the only one? I went online to check my balances and saw "closed" next to my credit card link. When I called in, I got the same spiel as everyone did - balances too high, accounts not open long enough, etc. As with others, none of it was true. The ** continued down the line: "The info came from Experian - contact them. This was a business decision." I have had the card for two years and have been a customer since the original Dime Savings Bank, in NY. It's not that big a deal to not have the line of credit; I'll live. However, this negatively impacts my credit score when I've not done anything to deserve it. I've worked hard, paying over the minimum and often twice a month, to get my score into the 720s, just to have Chase do this? They shouldn't be allowed to benefit from the government bailout when this is clearly breach of the agreement. I'm contacting my HR person tomorrow to see how to deal with the direct deposit issue, then Chase has seen the last of me. The one bank I've always steered clear of takes over WaMu and look what happens - apparently, my instincts were correct.

A few days ago, we received a letter from Chase closing one of our three credit card accounts for the same three reasons that everyone else is saying. They claim that the information they used to close our account came from Experian also. We, too, have never had a late payment, and usually pay more than the minimum payment amount.

I went to use my WaMu card (now Chase) and it was declined. I called customer service only to find out that Chase has closed my account even though I have never been late, paid over the minimum.

We had quite a lot of balances on our Chase Credit Cards at a fixed 2.99% and 3.99% rate. A portion of it was from paying off our cars. I thought that it was a wise move to pay 2.99% fixed rather than the higher rates that the bank was charging on the car payments. When we got the notice last month that the minimum payment was going up from 2% to 5%, it added $1000 to our payments that we could not afford.

I, too, received a letter like others from Chase on July 21st stating that they were closing my account for reasons being the same as everyone else, a credit report from Experian. They had stated that my bankcard balance grew too fast compared to credit limit and time on file which is a lie. I opened my WaMu card and had transferred another balance of $5000 to the card with only 3% interest for life on that balance and now owe $3000, so I fail to see how my balance has grown since then. The second reason they gave is too many open bankcards with high balances which is another lie. I do have more than my share of credit cards but only four of them have balances and they are not close to the limits on them. The last reason they gave is total available credit on bankcard is too low. I did not think that a $5000 limit on the card was too low.

On July 24th, I received a letter from Chase regarding my credit card account with them. It indicated that they had closed my account after a review of my credit report and to contact Experian before contacting them with questions. I reviewed my credit report with all three credit reporting agencies and there are no major changes. I have had a Providian (which was purchased by WaMu and then Chase) for several years. No history of late payments and the card was not maxed out. However, it was still cancelled.

Chase has screwed us again. As many others here, I had been a loyal WaMu/Providian customer for over 5 years. My debt was being reasonably managed until Chase took over and changed everything including their website. One of their requirements was to re-enter my bank account information, as I make all payments online. I did so on the two different accounts I have with them. After the scheduled payments, I later found that nothing was taken out of my bank account. No notice or anything. It just showed that I was past due and now late. I panicked and I called CS only to be told that I somehow entered in only 6 out of 7 checking account numbers so both payments were returned. Mistakes do happen but not in this case. I have never ever had this happen and how could it be that it somehow happens on two different accounts? So they charged me late fees and raised my interest rate from 1.99% to 31.99%. When I called and asked for the manager, they were obviously reading from a script, responses that had no correlation to what I was asking.

I got a letter, stating that my account had been closed due a decision that was a whole or part based on 3 decisions, from Experian credit reporting agency, total available credit on bankcards is too low, and too few open accounts with time on file greater than 24 months, too few accounts paid as agreed compared to total accounts. Experian has no record of them ever contacting, or inquiring about my credit, nor are these reasons true.

I got a letter on 7/23/09 from Chase saying that my credit card was cancelled based on a report from Experian for the following reasons: 1) Bankcard balance grew too fast compared to credit limit and time on file; 2) Total available credit on bankcards is too low; and 3) Too few accounts with time greater than 36 months. I immediately called the phone # in the letter to discuss the letter. I spoke to a man who would only identify himself as Emil. He would only say to me what the letter said and said I must contact Experian. I argued with him because my account with them was always in good standing and I not only always paid my bill early, I always paid much more than the minimum amount due and that is my history with all credit accounts I have. Again, he said to contact Experian and if I find an error in the report then to write a letter and then perhaps they will reconsider re-opening my account. I got so frustrated!

I received a letter from Chase bank that my card was cancelled for three bogus reasons. I always pay on time and more than minimum. I guess there is no fighting city hall.

Just like the other 325 pages of customers that posted here, my credit card account with Chase formerly WAMU was canceled. Earlier this year, when Chase took over, they raised my rate to 26%. The letter closing the account is dated July 21, 2009. The account was in good standing and the reason for cancellation being stated "information contained on my Experian credit report" was the reason. If anything, it is Chase that has lost credibility. I plan on in the future doing no business with any US Bank especially so with both Bank of America (which supports illegal aliens by issuing credit cards and writing mortgages to illegals in this country) and now, Chase Bank.

My Chase credit card was closed when I was making on time payments and paying more than minimum. This is a total scam, better not affect my credit. I tried to call, could not get through, could not go online to look at my account. They said all was disabled

I was informed by email my payment was due on the 26th of June. I sent the payment in the night before. They said it was late a day, or something like it was past the due date, not sure why. They billed me a late fee of $39. When I called, they told me nothing they can do. I then asked for a manager who said the same. They would not take the charge off. I am always on time with all payment. My credit rating is nearing 800. Once or twice in many years, I have asked for them to reverse a charge because of some extraordinary reason and any company has always granted me a one time favor, as they should as I am a top shelf consumer.

I had two credit cards with Providian, one for over 10 years and the other for about eight years. I've never been late and always pay higher than the minimum. These Providian cards eventually became Washington Mutual and then Chase cards several months ago. I haven't used either card in a couple of years as I'm paying them down. Three days ago, I received a letter from Chase stating they were raising the rate on the oldest card to 29.99%. I could opt out by closing the card if I wrote a letter. Today, I was typing the letter when the mail arrived. I got two letters from Chase stating they had decided to cancel both cards themselves due to "bankcard balance grew too fast compared to credit limit and time on file". Interesting in that in the last several years, the balance has only gone down since I had been paying off all my cards. I will pay these off and never do business with Chase again. Unethical, disgusting business practices. I wish there was something I could do.

I have had a WaMu (now Chase) credit card for over 27 months. I'm never late and always paid more than minimum. I got the same bogus cancellation that everyone else got - limit on bank cards too low, too few cards with a history over 24 months. While my credit history isn't perfect, I was perfect in paying my WaMu (now Chase) credit card. There has to be some law about closing off credit card accounts without a valid reason. It damages the credit rating of the person tremendously.

I went to the store to buy my son's birthday present. I got up to the cashier and took out my Chase credit card (used to be WaMu) and I'm told that my purchase is denied. Embarrassed, I pulled out my husband's WaMu card and tried again and was denied for a second time. I begin to panic because everyone is looking at me. I finally used my Capital One card and the transaction is approved. I went home and called Chase to find out what happened and they told me my accounts were closed on July 21st and I should receive a letter in the mail detailing why they were closed.

Chase canceled my credit card without notice. I tried to use my card twice and it was declined so I called them and that's how I found out that my account was canceled. I am a former WaMu customer. I have never paid my bill late and I always paid over the minimum payment.

I went to use credit card for $10 purchase and card was declined. I called the 800 number to check account information and available credit was not given. I talked with the supervisor and was told the account was closed due to high credit risk, claims information came from credit report. I have had credit card for six years with WaMu, never been late and paid more than minimum. I've been with Chase for one year. I'm totally surprised nothing in the mail has been sent explaining credit to be cancelled. I went online to check account and it still shows $2,000 limit.