Chase Credit Cards Reviews

Today, I received a notice in the mail that my rate for my BP credit card is going from 8.24% to 15.24%. I called to complain but got some girl from India that could only read a form paragraph back to me. I explained to her that I have excellent credit and I keep my balance low even though I do use the card quite a bit. She explained to me that market conditions have changed requiring the rate increase. I said that was bologna because JP Morgan Chase can borrow from the Fed at near 0 percent and they get all sorts of guarantees from the FDIC. Therefore, their cost of capital is very low. Therefore, they are making a huge spread. I bet this has something to do with JP Morgan Chase's 88 trillion dollars in derivative exposure going bad. Not to mention that, but this article makes it seem like they are truly a criminal enterprise. Something needs to be done about these Wall St. institutions as they are siphoning every last penny from the real economy. Obama hasn't shown any guts to stand up to these financial terrorists.

I had two Chase Credit cards, one was Providian and the other was a Wamu. Both were moved to Chase and both were closed with zero warning. One account was over 7 years old with a perfect payment history. The other was 4 years old, also never a late and never even close to the limits. I have had perfect credit for over 35 years until now. Now, my credit shows 2 cards completely maxed out and closed (They were only about 10% of the limit before they closed them.). My story is the same as every other July 20-21 poster typed, so I'll just enter my differences.

I already posted once about Chase. I received a letter stating my account was closed, and the letter was dated July 21st. I received it July 24th. Mine has Chase in the top right and WaMu closure1 at the bottom left. My credit rating at the time it was closed, was 747. I called Chase; they said it was because of my report on Experian. My credit limit is $15,000. I have a small amount to pay. I used this account for my wireless bill and my auto insurance to be automatically charged and I was about to set it up for my cable company and other utilities. I am thinking "go green, less paper."

Chase closed both my Chase credit card and my wife's Chase credit card. They never informed us in any way. After I called to activate a new card they sent, they told me my account was closed and wouldn't tell me why? A week after I complained, we both got letters saying they were closed because of high balances and low available credit. We pay over the minimum due every month. They were former WaMu credit cards.

Today, I got my bill from Chase and noticed the APR increased from 9.24% to 16.24%. I have never defaulted. I always pay more than the minimum, and I have not made a purchase (besides a tank of gas) in over a year. I called to find out why and the rep said Chase sent a letter in May (which I never got) saying that all APR will increase and the only way to retain your current APR is to opt out - by cancelling your account! I worked for a competitor, so I understand credit and if I close that line of credit, then my credit score will not be as strong as it is now, so I was **. I told him I wanted to complain to a supervisor.

I was a Providian to WaMu to Chase customer for the last 9 years. A few months ago, Chase raised my APR to 31.99%. I attempted to get them to lower it, but they refused. I received a letter in the mail this morning saying that Chase was canceling my card for the following reasons. First, Bankcard balance grew too fast compared to credit limit and time on file. Second, the total available credit on the Bankcard is too low, and last, too few accounts with time on file greater than 36 months.

First, they canceled my low-interest card because of late payment, after statement was sent to the wrong address. They got me to pay a couple hundred on it, thinking I was going to be able to use it still. I've paid faithfully for years, and now, out of the blue, they closed my other account, which had $300 credit, saying it was too close to limit and I had too many other cards, which I paid faithfully. It was emotional to have them just cancel for no reason. I feel they did it, because I had applied for lower interest loan. Now this looks like I did something wrong on my credit report, even though I've always paid bills. If I knew they could do that, I wouldn't have gotten credit cards from them. Where's the loyalty to the customers. Now, I see I'm not the only one.

I have the same experience as everyone else. I was a WaMu/Providian card holder for 12 years, and I had not missed a single payment. Not one! My income is solid, and my credit rating is pretty good, almost 650, which is plenty high enough to buy a house even in today's market. But they still closed my account. I had my account closed on July 14, and I was told it was because of Experian by a rude CSR. I told them that Experian didn't make that ruling, but Chase did. They didn't seem to care. I'd be happy to share my note exchanges with them to anyone interested.

Chase did the same thing to me. Available credit was too low, it's not open long enough, etc. Experian was mentioned also. I was never late or over the limit, and I always paid more than minimum. I have written to my senator, Claire McCaskill. We shall see if she responds. I'm done with Chase. I don't want their cards anyway. But my credit score going down to the point that I won't get another one is unacceptable.

This is terrible! We all have been duped by Chase Bank. I received a letter this morning saying my account was cancelled. I have never been late, and I always paid way more than the minimum. In fact, this last few months, I paid a substantial amount. I also noticed it said WaMu on the bottom of the letter. Is there nothing we can do?

Another former WaMu customer that was issued the cancellation notice. They started by jacking my rate to 30% a few months ago. I promptly paid the balance so I would not get charged the outrageous interest fees. This week I received the "WaMuClosure1" letter dated 7-21-09. I have had the card for 2.5 years and had a spotless payment history. My FICO score is in the high 600s. I'm very angry that Chase can do this to their customers. The decrease in available credit will harm my FICO score.

They're heartless. Chase sends the rudest letters I have ever read. I pay my bills every month, but I get a rude letter saying they are lowering my credit card limit because of 3 reasons listed, which is great. Which one is it? Oh gee, who cares? Their card is in little, bitty pieces. And instead of denying my son's ATM purchase of 4 bucks, they let him use it and then charge him $33 for each time he did. So it cost him $132 to get about $16. That was done on purpose. They are mean and unfair, and they should go away.

My card account was closed on July 21, 2009. The reasons cited were total available credit too low, average length of time since bank cards' openings too short, and too few accounts with time on file grater than 24 months. Granted this was a WaMu account at one time, my concern is I received notice that the APR, which was currently 14.99%, would go to 18.24% on July 1, 2009, which I either could accept or decline. I accepted. Nothing had changed on my credit report, except paying off a closed credit card, Peach Direct, who quit doing business. Why didn't Chase close my account before the rate increase? This seems like a very unfair practice to me.

I received a letter dated July 21, 2009 with a WaMu closure notation on the bottom, much like other postings I have read, stating that the bank had decided to close my account. I am furious, because I have not used the account for two years, except to make payment to pay the balance off, which I did last month! I never missed a payment and made well more than the minimum payment when I did. The reason they game me was some blah blah from Experian about too many open accounts, etc. But I think it is because they can no longer make any money off me at their 28% interest rate! I have a credit score in the 700s that I am afraid will be affected by this. I wish I had closed the account myself when I paid it off. I am going to close my checking and savings accounts that I have with these thieves and join a credit union.

I was previously a WAMU customer and found out that my credit accounts were closed when I tried to use them. Our cards were paid in full and recently, while traveling, we were embarrassed to find out that our card was declined. I told the clerk to try it again because I knew we had a zero balance. I called customer service and was told that due to these uncertain economic times and based on information from your credit report, they closed our accounts. A letter was mailed. That was two weeks ago and I just received the letters today. To add insult to injury, the bank froze our ATM cards for suspected fraud and we were left stranded and embarrassed. I am closing all of my accounts with Chase and will be transferring to a credit union.

I have had a WAMU (Washington Mutual) credit card for 4 years and have never been late on a payment. I have always paid above the minimum payment. Not once in all the time before WAMU was purchased by Chase did I have a negative issue from the company or a problem with my credit card. I just received a letter dated July 21, 2009 that my credit card account was closed by Chase based upon information they received from a credit reporting agency. My credit status has improved each and every year since I first received the WAMU card and never have I had a complaint levied at me by either WAMU or Chase. I called the 1-800 number, but the man who answered was absolutely of no help whatsoever in being able to explain to me why suddenly, Chase has a problem with my account.

Wow, put me in line with everyone else who got letters this week from Chase with former WaMu credit cards. Mine's the same story. I watch my credit like a hawk, had this card since it was Providian to WaMu to now Chase; five years with no late, paid twice the monthly minimum ($350) and received my love letter yesterday regarding closing the account due to credit (I score near 700 with no derogs). The joke is they start the letter with "with careful consideration" and then punish people for what may, perhaps, possibly happen without even a glance to our proven track record with the company. Chase is dumping a lot of taxpayers who are responsible for bailing them out. Sounds like in the future they may not have many customers to choose from and if they continue using Experian's name dragging people through the mud, they could encounter problems with that, too. The only saving grace is that I believe I smell class action in the wind.

I have/had a WaMu credit card since 2006, with a credit limit of $3,500.00, balance of $2,400.00. I tried to use the card and it was declined. I have never been late on this card and always pay more than the minimum payment. I called Chase and they said that they made a decision based on my credit from Experian to close my card. They said that there is a letter that I'll be receiving. I don't want their card any longer, but I do want something to be done about this situation. Now how is this going to affect my credit since they closed my card?

Chase did it to my wife and I as well. 4 cards, all WaMu, were converted to Chase. My wife and I have FICO scores in the 760s. We have never been late or over the limit on these cards or any other loan. We had zero balance on them, since Chase informed us of a rate increase from 13% to almost 30%. Chase sent the same letter everyone else is receiving with the same bogus reasons. Be assured, Chase is lying about the reasons. My lawyer contacted Experian, and Experian denied that Chase ever requested either of our reports and they denied that they sent Chase our report.

I was a WaMu credit card customer for approximately 3 years. I never missed a payment. I was late by a few days, perhaps 3 times in 3 years. I have $2500 balance on a $3000 line. Chase cancelled my account under false pretenses by letter yesterday. Conveniently, this was after the 60-day time frame from the notice of change of terms that I received raising my interest rate to 29.99%.

I received two letters from Chase Bank telling me they cancelled my credit cards for the same reason they told everyone else. Just like the rest of these stories, I was also a WaMu customer. I have had these credit cards for years and never was late or missed a payment. This is abuse of the system. I will write and call everyone so I can to stop this ** with these banks. Why don't we give them more money to help the people? What a joke.

When I got my Washington Mutual credit card back in March of last year, it had a credit limit of $500.00. I am slowly rebuilding my credit and I already had a Capital One card. Right around the time when Chase bought WaMu, they raised my credit limit up to $2,000. I did not complain. I used the card here and there for small things, paying each purchase off as I went. I was very careful about that since I was trying to build my credit up. I purchased a Dell computer back in May of this year and currently carried a balance of $890 on my card. Money was tight on July 22nd and I needed gas in the car to get to school, so I tried using the card at the pump and it was rejected twice. I used my Capital One card instead, thinking that maybe the magnetic stripe was messed up on my Chase card.

I received a letter dated July 21, 2009 stating that my credit card has been closed based on the following: Bank card balance grew too fast compared to the credit limit and time on file, total available credit on bank cards is too low, and too few accounts with time on file greater than 36 months. They also said the decision was based in whole or in part on info provided by Experian.

I, like many others, have the same story, previous WaMu account (actually Providian to WaMu to Chase). I had a credit line of $15,500. I always paid much more than minimum. In fact, I have paid off the balance before end of cycle because of high interest rate which Chase had raised after they took over WaMu. I tried to complain then about the increase, which got me nowhere. After receiving cancellation notice, I called Chase. I got the same runaround script as everyone else. I even went to my local branch to see if anything could be done. I called Experian, same story as others. Everything that Chase based the closure on is bogus.

I received a letter yesterday that they closed my Chase credit card (old WaMu card). This was due to too many open bank cards with balances and too many active bankcards; the number of bank cards opened has grown too fast. They said they received this info from Experian. Well, I have the same number of accounts that I have had, since I originally opened this card a few years ago; and the balances (though they do fluctuate) are certainly not higher. I have never missed a payment with them or any other account in years, and my credit report confirms this. I did verify this with all 3 credit bureaus last night. I do have another card with Chase that remains open.

I had a Chase Credit card (WaMu) that was canceled. I received a notice on July 20, 2009 that my interest rate was being increased to 22%. Then on July 24, 2009, my credit card was being canceled for the same bogus reasons as the ones I have read from all the other posts! I have a credit score of 704, which will be destroyed by Chase. Now, I have a closed account with a balance, which will drop my credit score tremendously. There has got to be repercussions against Chase. Somebody has got to file a class action lawsuit against Chase. Chase is going to destroy everybody's credit score. So when we get mortgages, our interest rates will be higher, even though we have always paid our bills on time.

My Washington Mutual credit card was closed on 7/14/09 without notice. Two days ago, I received a notice in the mail that the card was closed for the following reasons: total available credit on bank cards is too low, one or more accounts have high balances compared to credit limits, and average length of time since bank card opening is too short. I immediately contacted Chase to get to the bottom of this. I explained to their rep that I've never been late on payments, rarely used the card, always paid more than the minimum, and was nowhere near the credit limit. In fact, over the last six months, I've reduced the balance significantly; it only has a $500 balance. The rep wasn't able to provide an explanation beyond the jargon written in their notice. This was the latest indignation I suffered at the hands of this bank.

Chase closed my credit card account. I have been with Washington Mutual since 2000. The account was taken over by Chase. My account has a perfect payment history since 2000. I asked for the specific reason for closure and was given none. They said it was done because of information received from Experian. I have credit score monitoring with another company and have had no changes to my credit. This closure will lower my credit score and hurt me as a consumer. This I kept for emergency situations. With no warning from Chase and after taking precautions by monitoring my credit, I feel helpless now trying to combat this economy. What's next in America?

We, too, have fallen victim to Chase's unfair and predatory practices. Mine and my husband's credit cards were canceled without notice. Today, I finally received a letter from Chase stating that their decision was based in whole or in part on the information provided by Experian credit reporting agency. This is total **. They closed our accounts because they were formerly WaMu accounts with low interest rates. Between me, my husband and my son, we have several Chase credit cards, but the only three that were canceled were the three that were previously WaMu accounts. Two of the accounts, that are mine, are more than 10 years old. They were originally through Providian and then WaMu bought them and they were then bought out by Chase.

I received a letter in the mail from Chase today saying my accounts had been closed due to: 1) total available credit on bankcards is too low; 2) too few amounts paid as agreed; and 3) one or more accounts have high balances compared to credit limits. My balances are going down. I have had credit problems in the past, but I have been paying more than the minimum on time. My cards were also originally issued from WaMu, just like so many others on this forum. This is going to kill my credit score that I was trying so hard to build back up. I was going to try to buy a house and probably won't qualify now.

My problem is exactly like how a few people described, except my card actually had a 0 balance. I was avoiding trying to use it just in case I needed it for an emergency. My letter was dated July 21, 2009 and I received it July 24, 2009. Same thing as everyone else, they were closing my account based on a report from Experian. I also had the same notation on the bottom, WaMuClosure1. What really puzzles me is that I just recently pulled my credit score. I can't remember which company and my credit score is in the 700's. How can I be considered a credit risk? What's worse is that I've looked online and supposedly if a company closes your credit card account then it can lower you credit score. Unbelievable how these people are allowed to operate.

They raised my minimum monthly payment from 2% to 5%. I originally got the loan through Quicken at 2.99% for the life of the loan, with a monthly minimum payment of 1%. When Chase bought Quicken, the monthly payment went up to 2% and now it's going up to 5%. I've been paying $287/month and now I will owe $718/month (on a $14,375 balance). There's no way I can afford that. It seems that it must be illegal for them to lure consumers in with a "life of the loan", promise on interest rates and then change the minimum payment so that borrowers are forced to go into debt in some other way to pay off the original loan. It makes the "life of the loan" promise fraudulent because they can arbitrarily force the end of the life of the loan.

I have been a credit card holder with Washington Mutual since 2007. When Chase took over and raised my interest rate, I quickly paid the balance on my card off. Upon trying to use this card for a very small purchase, I was told the card was declined. I quickly called Chase and was told that they had closed my account due to 'something' on my Experian credit report.

I, too, have received a letter today, 7/24/09, stating that "they have decided to close my account" for "total credit available on card is too low." Well, my credit limit was $4000. I had been making payments of $459, $150, $225, etc., never late, always paid way more than min. payment. I had brought my credit limit back to $1500 and suddenly it was reduced to $3000. I was about to send payment this week for $1000 to end up with a balance owed of $859. But now, I am so upset to say the least, that I do not feel like paying them a penny more. They've already dented my credit by closing my account. How the hell can they expect anyone to pay off their balance when they've damaged your credit and closed your account?

It is better to know you are not alone. Thanks WaMu customers for sharing. I spoke with someone at Chase and was told it was closed before getting any letter or email notice. They raised the interest rate to 30% last year when they took over. Now, I am told they cannot lower it so I can get it paid off and over with. My worry is that all my eggs are now in one basket, my business bank accounts, my personal banking, my brokerage account and two credit cards with unfortunately balances. My husband says we are going to change to credit unions as soon as we can. So, forget the banks. Class action, count me in. If I should lose my job, how would I pay everything off?

I received a letter dated 7/21/2009 informing me that my credit card account has been closed. It stated three reasons for the closure, based on the info obtained from Experian. This is so unfair! I don't know what to do. It really scares me. We need to do something about this! Really.

I had a Washington Mutual Visa card since 2004 or 2005. The interest rate was always 9.9%. Chase took over Washington Mutual this year. About 2 months ago, I got a letter stating that because I had a lot of credit, they were going to raise my rate to 13.9%. I have not used the card since. In fact, I have paid down the balance about $800 since then. Now today, I get a letter, that because I have a lot of credit, they are closing my card. I didn't plan on using my card, and I was planning on closing it anyway, as they raised the rate on me. I always pay about $50 to $100 more than the minimum monthly payment. Apparently, they do not look at that.

I had my account closed without notification. Apparently, it was closed on or about the 14th of July and I only found out today because I tried to use it. My account on line looks fine. No notice of account closing. I have paid this card on time faithfully. I am up to date on all I owe. Of course, I was very embarrassed. Not to mention that this is just wrong to cut off the account with no notice for now 10 days or more. I think this will cause my credit rating to go down. It was not the best rating in the world, but above average I think. 684, last time I looked.

Upon just starting up my own business, I placed an order for my business cards. The vendor said my MasterCard with Chase was declined. I called Chase immediately to look into this matter, as I assumed identity theft. A woman in customer service told me that I had used $2154.00 and my credit limit was $3500.00 but that Chase had decided to close my account as of July 21,2009. She also said that I should be receiving a letter in the mail regarding this.

Chase has expunged thousands of people from their credit card service, all without warning; and it would seem especially that former holders of Washington Mutual credit cards (now owned by Chase) were targeted. Their explanations: total available credit on cards too low and average length of time since card opening too short; all based in part or in whole on information from Experian reporting agency.

Thanks for the bailout! I've had this credit card for over two years and have always paid on time. Always paid more than the minimum, and have never charged over or even up to the limit. I just received a notice dated July 21, 2009 that my card has been cancelled! They referred to my credit report, but my credit is better than it's been in years. Then, I noticed the fine print in the lower left corner of the page, the letters "WaMuClosure1". That's it, that's the only reason, just because I was a Washington Mutual customer.

My parents got their credit card when they were with WaMu. They never had one problem and always paid on time; also paying more than the minimum due. After Chase took over, they used their card on a Sunday and on Monday, the card was denied when trying to buy gas. When they called, they were told their card had been cancelled with no explanation other than they pulled a credit report. This is awful! If they were one day late on their payment, they would be charged a late fee. This is not fair. I hope that we can get a class action suit on this issue. Too many people (including my parents) work hard to get their credit in good standing and should not be held accountable for someone else's greed and bad decisions.

I received a letter dated 07/21/09 too. It stated that Chase had closed my account based on my credit report. I will be honest, I do not have perfect credit. However, this card had a $0 balance. When I called, the guy kept repeating himself over and over again. Then, he hung up on me. I called again. The lady gave me a P.O. Box address I could send a letter to! I told her it was weird that Chase closed an account with $0 balance because of my bad credit when Wells Fargo just let me open another savings and checking account. I never had any problems when I purchased this card with WaMu. This is ridiculous!

Today, July 24, 2009, I was shopping and went to use my Chase credit card. I was declined at the register, saying the issuer declined the purchase. Thankfully, I had another form of payment with me, although already embarrassed. I went home, checked my account online and saw what I already knew (plenty of available credit). I called Chase customer service to ask what was going on and they told me that on July 21st, Chase made the decision to close my account based on a credit report. I asked why I wasn't informed of such a decision and how poor this reflects on their customer service. I was told that Chase doesn't have to inform anyone prior to closing an account and that I should be receiving a letter soon.

I was a Washington Mutual customer with a credit card with a fixed 7.99%. The account was sold to Chase and Chase raised my fixed rate to 24.25%. I had a balance of about $3,000 of a possible $4,500. I called Chase to get info about the new rate and was told there was nothing they could do. I had never missed a payment and always paid way more than the minimum. Since they would not budge on the interest rate, I paid off the balance. Now two months later, I get a letter telling me they have closed the account based on an Experian credit report. My credit history and credit score are about 50 points better than when I originally got the card from WaMu. Chase is running some kind of scam here seeing as there is 316 pages of reports.

I am a former WaMu credit card holder. When Chase took over, they raised my interest and then cancelled my account for no reason. I have had this card for over 5 years and never missed a payment or have been late. They said they cancelled because of a credit report. However, my credit has only improved over the last five years. They sent me a letter on July 21 to tell me they cancelled my card on July 14. I had a very important bill that was due and the card was cancelled. Thanks for the heads up Chase!

Chase canceled my credit card account. I have been back and forth with Chase for the past week. After today's phone call, I decided to see if other people have been going through the same thing, and they have been! My story is similar to everybody else. I was a WaMu credit card changed to Chase. I have had my card for about 3 years, good standing, above minimum payments, credit score 684. I follow my credit score and reports closely, pay off my credit card balances right away or have very low balances ($0.00 balance on $750 limit, and $120.00 on $1,500 credit limit for Chase right now). I tried to use it at a restaurant and it was declined. I called Chase and they said they would send a letter. They said cancellation was based on the Experian credit report that they received.

I was a customer of Washington Mutual for many years. When WaMu sold to Chase, I had an interest rate of 9%. Chase recently raised it to almost 15%. Today, I received a letter stating my account was closed because I don't have enough available credit on my credit cards. Additionally, it says that the average length of time since the card was opened is too short, even though I pay more than four times the minimum payment on this card and had over a thousand available at the time of closing. This company is going to put a bad mark on my credit because they decided to close my account for bogus reasons. This is grossly unfair and I see hundreds of posts from people who just had the same experience. Something needs to be done to stop this company from profiting in this manner and hurting people's credit. This is wrong.

Chase bank closed two credit cards that I had been issued with by WaMu. My history with them was flawless, no late/missed payments, no over limits, etc. On top of this, I have a long-term CD that was opened with WaMu, as well as a 30-year mortgage! They simply don't care. I am done with Chase. As soon as I am able to refinance, I am taking all of my business elsewhere.

I received notice of a higher interest rate last week. Today, 7-24-09, I received a cancellation notice on my credit card. I was with WaMu to begin with. I have always made my payments on time. I usually sent double what they asked for. I called and asked why I was canceled, and they told me something in my credit report. I have had this card for a year, and now, I have an unpaid balance that I will still have to pay with a new locked-in interest rate on a card I cannot use.

Around June 16, 2009, I was informed that my XM Satellite radio account was inactive. I called them, as I was planning on closing the account anyway. I called Chase to check on my balance, payment history, etc.; and everything seemed to be in order. On July 17, my son's World of Warcraft account was suspended. I switched the account to another credit card, as I was beginning to become suspicious about the Chase account. I again called the automated service, and again, I was told everything was in order.

I have been a WaMu customer for 10 years and had the same account for 10 years. My available credit was $15,500.00, of which my balance was $283.00. They closed my account, which by the way, had never had a late payment and which I always paid more than the minimum amount due. Looking over the past 10 years, I had at the highest $13,000.00 racked up on that card, which again has been paid off in a timely manner and never had a late payment in 10 years.

Chase cancelled two credit cards that I had been paying and not missed a payment on. In fact, I usually doubled payments or more. I called and they said I had not paid a bill on time and I have not been late or not paid any bills that I know of. I'm now looking at receipts. One Chase credit card last month I owed $42.12 and paid $200; the other I owed $158.98 and paid $158.98. If you're going to cancel credit card that's for no fault of mine, then you need to reduce interest on amount owed, not raise it.

I was reading other complaints about Chase, and the same thing just happened to me. I had a credit card with WaMu and received a letter in the mail about a year ago that Chase was taking over and nothing would change. Well, I went to the doctor and did not bring cash, so they swiped my Chase card. Declined. As soon as I came home, I called them and I asked why. They said it was also from my credit report from Experian. My credit rating is in the excellent range. I called Experian but could not get through to a CS rep. I have no idea what this will do to my credit, but they need to be stopped and they need to lose their license as a bank.

I had a credit card with WaMu before Chase, and with Chase once they took over. I have never been late, have never exceeded my limit or even charged to my limit, and have always paid more than the minimum payment. Two days ago, I tried to use my card for a small purchase and was declined. I looked online and saw that I had more than enough available, so I called Chase only to find out that they cancelled my credit card without notice! They claimed to have sent me a notice that I have not received, stating my account was closed as of 7/14/09. As I read, I am apparently not alone. It seems there are many others out there who have been treated unfairly by Chase. It is unbelievable that they are allowed to conduct business like this!

I have had a Washington Mutual Visa card for about 10 years. I pay much more than the minimum every month, and have not had a late payment for a number of years. I received new cards from Chase in early July. When I tried to activate them, I discovered that my account had been closed. The letter explaining this indicated that the reason for this was a negative item on my Experian credit record. I contacted Experian and discovered no new negative items. Indeed, this would be unusual, as I subscribe to a three-bureau monitoring service from Trans-Union.

I had to smile as I read all the complaints and then saw an ad for Chase bank proudly declaring "We're there for you." Perhaps their motto needs to be changed to "Chase - Chasing Your Last Buck." My WaMu card was also canceled despite a perfect payment history and despite the fact that I always paid substantially more than the minimum payment. Chase also canceled my card two weeks before sending me written notice in the mail, and my online account information still shows the card open with available credit.

I received a letter today (7/24/2009) dated 7/21 informing me that Chase had closed my account, which I have had since June of 1997, 12 years, never had a late payment with them or anyone else and for well over a year now, had been making payments at least $30-50 above the minimum. My balance is currently about 7/8 of the total available credit. It's fluctuated over the years. The reasons they stated in the letter for closing the account was "total available credit on bankcards is too low", "one or more accounts have high balances compared to credit limits", and "too many open bankcards with high balances". They also stated the decision was based in whole or in part on information from an Experian credit report, which I pulled in March. At that time, there were a few very old items (ex-wife debacles) that have or are about to be removed (because they expired), my credit history on all other accounts is open and never late, etc.

I am yet another victim to Chase closing WaMu credit accounts. I received a letter unlike many of you before I could try to use my invalid card. With this closure, my available credit when compared to my outstanding balances went from 60% to a whopping 125%. There goes my credit score. I also had a Chase card canceled last year, only to have it reopened after careful review of my account. I had the line for years, never a late payment, always paid $300 to $500 a month... unacceptable by Chase. If anyone has any information regarding a class action lawsuit for this matter, please contact me via email at **.

My credit card account was closed for unjustified reasons. I was told in a notice that it was based on information obtained from Experian. When I called, they told me to report a dispute with Experian. However, my credit report shows none of the reason they cited. This makes it quite difficult to dispute this closure. My Experian credit report states that the account has been closed at credit granter's request and also that I've never been late. The main concern, however, is the negative effect this closure will have on my credit score. If my credit score is to be affected negatively, there should be justifiable reasons. Chase is not dealing fairly with its customers(!), especially those of us who are former Washington Mutual customers.

On July 18, I went to make a purchase at a local store; and my former WaMu credit card, now a part of Chase, was declined. I was a little embarrassed but paid with another card instead. When I got home, I went online and checked my account, which still showed $1500 credit limit and over $600 still available. So, I thought it was a system error.

I am a former WaMu holder of a card that was switched to Chase when the company was bought out. A few months ago, I received a letter that my interest rate was going from about 10% to 28%. I called to complain and ask why, and I was never given an answer, except that it was from information on my credit report. I was never late on my card or had a bad history with this company in the past. Because I didn't want to cancel the card and I needed access to these funds because it was all I had if there was a financial emergency, I decided to keep it.

I received a pre-approved credit card from Washington Mutual approximately a year ago, and it was based on my credit score with the three credit reporting agencies. Since I have had the card, I have never been late and have always paid off the balance within the month of making purchases. I received notice that Chase would be taking over my account and that my service would not change; that is, when the changes started taking place. Chase decided they would not honor my percentage rate and raised it to over 24% (from the 9%) I was getting from Washington Mutual.

I was a former WaMu customer that transferred to Chase. I have had 2 accounts for 10 years now and never missed a payment and 99% of the time paid over the minimum. Chase raised my interest rate. After calling and disputing this with them, they said that they had to have 6 months of activity before they could consider a lower rate (even if we were with WaMu for over 10 years!) Now this month (July), I just received a new card in the mail, went to activate it and they told me that my account had been closed! They told me that it was due to my credit report and they said my total available credit on my cards was too low, I have over $6,000.00 available. And the balance I owe on the two cards is $7,200.00. I quickly explained that I don't have any other balances or any other credit card and they stated that they could not help. This all happened before I received the letter that they mailed regarding my account being closed. And they will not let me use my 1,200.00 reward points. This just seems unfair and should be against the law.

WaMu Credit Account Closure - Chase acquired my WaMu Platinum Card account when they bought WaMu. Yesterday, I received a letter that my account had been closed because of information obtained from Experian that: 1) Account grew too fast compared to credit limit and time on file; 2) Too few accounts with time on file greater than 36 months; 3) Total available credit on bankcards is too low.

I received my "new" Chase card in the mail as the old card expired in August. I also was a former Washington Mutual cardholder for more than ten years. Before I could activate the card, I received a letter that the account was closed. I monitor my credit and score so I knew the reason stated was bogus. Also, no inquiry by Chase in my credit report. As others have reported, I always paid more than minimum, paid balances off timely and used credit responsibly, etc. In fact, this was the only credit card I had - now I have no idea how I'm going to rent a car or reserve a hotel room as part of my business responsibilities. Wall Street Journal reported on July 17, 2009 that J.P. Morgan Chase & Co. posted a quarterly profit of $2.7 billion per Chief Executive, James Dimon. He also said the company is in a good position to make an acquisition. WSJ also reports that Chase would not longer submit consumer disputes to mandatory arbitration.

Chase sent me a statement in the mail saying they cancelled my credit card. I have always paid my balance off in full every month. It stated the same reasons that everyone else has said. I originally got the card through Wamu. I just checked my credit score about 2 months ago and it was above 700. This is absolutely crazy.

I received a letter from Chase Credit Card Services advising that they were closing my account. They gave the reasons that: 1) the total available credit on the bank cards was too low; 2) too few accounts were paid as agreed compared to the total amounts, and; 3) too few accounts with time on file greater than 24 months. I called the number on the letter (800-918-9171) and spoke with a Sharon in customer service on the matter. She stated that they were closed due to the reasons as stated in the letter. I advised her that these reasons are very generic and asked how my total available was too low when this is the only card that I had. She repeated what was on the letter.

I received a notice today, 7/24/09, that my account was closed. According to the letter, it was not wholly based on my credit report; yet, that is what the supervisor (Tina) kept referring back to. I told her I know I have open credit cards but that it should not matter how many I have as long as I pay on time. I told her I not only pay on time but I pay more than my monthly minimum. Also, it should not matter what I am doing with everything else, as long as I am paying their card. I had no problems with Washington Mutual until Chase now took over. I am very upset over this. A person works hard to build credit and have a couple credit cards when needed. There was no justified reason for this card to get closed. I still have the payment to make. So what was the purpose?

I spoke with several financial advisers on the phone for approximately 4 days in a row. I made them aware that we were wanting to transfer over balances to pay off 3 other cards. They said this would be ok, and we said would be making a cash advance withdrawal, which was ok too until I started doing it. Then on the 5th day, I talked with a chic named Sophie and her supervisor. The checks we had requested were never sent. They said they didn't send them at all, and we were expecting these.

I was a WaMu customer for 3 years. I had no late payments and was never over the credit limit. They cancelled my card and said it was due to the report from Equifax. This will lower my FICO score.

I had three Washington Mutual accounts paid ahead and more than minimum payments per month. Never late and never over limit. The interest went up or pay in full when Chase Bank took over. It's now 24%. This is like the old mafia days of interest on the street. How can they get away with this? Oh and they canceled all my cards before notice was sent saying I was late according to the credit bureau. Incorrect. I was never late and when I called, they do not have anything to tell you but pay the balance and of course, it goes on the credit score. Just not fair. I wish our president would take care of that and we would have more money to spend for food and such and not on interest. This is awful that it now affects my credit score when they closed these accounts with false information. We are seniors and have always paid on time.

Chase closed my account! No late payments, pay more than minimum and account in good standing! Wow, am I a risk or what? Let's see, the economy is in the tank, corporate profits are down and Chase shafts good customers. The day will come when all is well and profits are rebounding, and companies like Chase want to scrape up the crap they left behind in their haste to terminate accounts. Offers will fill mailboxes, "You've been approved!" and all we no good credit risk will suddenly be appetizing to the bottom feeding bean counters. Guess what! Chase will never, ever get my business, nor will their affiliates or other partners.

Chase closed my card I had with WaMu for 8 years. They then closed my second card I had with WaMu for over two years claiming that I have too few accounts with more than a 36-month history. All my accounts are over 36 months with the exception for my car lease, 15 months, and WaMu card, 27 months. It appears that they are getting rid of former WaMu customers. I have paid them off and have a zero balance with them. I will never use anything associated with Chase including their ATM machines.

Two months ago, Chase sent me a letter saying that they would be raising my APR interest rate "because of the current economic situation" and that in order to keep the credit card accounts profitable (they actually used that term), they would be raising the interest rate. I was given the option of closing the accounts if I didn't want to assume the new terms. Of course, everyone knows that you should never close an account, especially if it has a balance. So in the interest of keeping my FICO score higher, I elected to keep the accounts open. Yesterday, I received two letters announcing that both credit accounts have been closed. The letter stated that it was because of information they received from Experian credit reporting. I went to the credit reporting agency's site and my credit is in good standing with no negative information on file.

I have had two WaMu cards for approximately 3 years and 1 year. I have always paid my payments on time and most of the time, make more than the minimum payment. In addition, one of the cards has been paid of almost entirely twice. I recently went to use my card and it was denied. When I called Chase, they informed me my account had been closed. When I asked why, they said that it was due to too many cards with low available credit, and too many cards with less than 36 months payment history. I only have three credit cards and two of them were with Chase! They said that I would receive a letter stating all of this. It took two weeks after I found out that the one account was closed to receive the letter. And then to my surprise, I actually received two letters stating they were closing both of my accounts!

I too was a former WaMu customer who transferred to Chase. I have had this account for over 4 years now, and I always paid on time and if not over the minimum, payment, at least paid the minimum. In May, they raised my interest rate from 7.99% to 24.99%! After calling and disputing this with them, they said that they had to have 6 months of activity before they could consider a lower rate (even if we were with WaMu for over 4 years!).

I received a letter on 7/23/2009 informing me that my credit card account has been closed. It stated three reasons for the closure based on info obtained from Experian. These reasons were not accurate and did not match info on my credit report. There have not been any inquiries on my credit report from Chase or anyone else. I spoke with a Chase supervisor, and she gave me a fax number for the portfolio risk review department and suggested that I fax them a letter of explanation and my Experian credit report with circled pertinent info. I was not able to fax anything to that number. I tried four or five times, and it was busy/no response. I found the fax numbers to the CEO and the head of the C.C. department and faxed my letter and credit report today, 7/24.

I, along with many others that I'm finding out, got a letter saying that my Chase card, formerly WaMu, was canceled. I have good credit, always pay on time on every credit card I have, I even just paid one card off 2 weeks ago. I am currently looking at loans to purchase a house and now this is damaging my credit. I won't get the loan that I should get because of this.

Along with many others that I'm finding out, I got a letter saying that my Chase card, formerly WaMu was canceled. I have good credit, always pay on time on every credit card I have, I even paid one card off 2 weeks ago. I am currently looking at loans to purchase a house and now, this is damaging my credit. I won't get the loan that I should get because of this.

I most recently had two (2) credit cards specifically held by Chase (formerly a BP card that Chase bought out and a currently open Chase card that formerly belonged to WaMu-ESPN card). I value my credit and I had most recently over the last couple years worked hard to increase my credit score from the low to mid-500s (primarily due to max credit) to the mid-high 600s. The BP card (gas card) was being paid on time and was carrying a very small amount over the high credit given. The card was used, and the balance was paid minus a finance charge that carried over to the the next bill balance due $2.00, which wasn't paid right away.

Like everyone else on this board, I was a long time customer of Providian/WaMu and held an account with these banks for 11 years. This account was never late and I always paid more than the minimum amount. Chase included my account in the wholesale closure of apparently hundreds of former WaMu customers, but only after raising (doubling in many cases) interest rates. Sadly, all Chase needs to do is blame it on the equally despised credit bureau Experian, with false accusations from a credit report they never pulled. Once again, the consumer gets screwed. Chase might as well be holding a gun in our backs.

You can just cut and paste the complaints received from others. Account was closed with no notification, which of course, embarrassed the hell out of me when my card was declined. I never had a late payment, and I always paid more than the minimum payment and never over the credit limit. And last but certainly not the least, "The letter was sent out the 14th of July." Still, I haven't received it and doubt that I will. Sorry, sorry, sorry.

I just received the letter coded "WAMUCLOSURE1" dated July 21 2009, stating that my account has been closed. Chase states that Experian provided the information that states that the total available credit on bank cards is too low. (Most of my accounts have no balances.), too few accounts paid as agreed compared to total accounts (All are paid on time with more than the minimum payments!), and the average length of time since bank cards' opening is too short. All of my accounts are at least a year old. (The newest has no balance.) The Chase card, which was WaMu, is over 3 years old!

Like so many others on this site, I had originally been a customer of Washington Mutual for nearly 3 years. I had always paid my account on time and kept the balance low for a significant period of time. When I heard the bad news that Chase was taking over Washington Mutual, I knew that I would have to close my account immediately. They increased the APR to 29.99%, which is absolutely ridiculous. My mistake was that I hesitated to close the account right away, because it's the only card that I have with a large limit, in case I needed that for emergencies. However, I decided in late May/early June 2009 to close the account.

I received a letter on Saturday saying my Chase (a former WaMu credit card) was being closed for 3 reasons: high balances, short length of time of card being opened, and number of cards. Except I've paid off all my high balances cards, including the Chase card. (They said my credit report hasn't been updated yet to show this.) And why am I being knocked because they have only had my card open for a short amount of time?

I was a customer of WaMu for a long time. Chase suddenly closed one of my accounts. The reason was "too few accounts with time on file greater than 36 months, too many open bankcards with high balances." Also, "Bank card balance grew too fast..." I know my balances were a little high, but I was never late or missed a payment. They closed my oldest account. If these ** close the oldest account which has no amount due, how do I get an account with more than 36 months old.

My husband tried using our credit card, but it wouldn't work. He called Chase to find out what was going on. They said our account had been closed. When he asked why, he was told that they sent out a letter stating the reasons (still have not received any letter). She refused to answer any of his questions and then hung up on him. It was a WaMu card. Our credit is going to take a hit. It was the credit card that we have had the longest and the credit card with the highest credit limit. So, our amount of available credit and our credit history are being destroyed.

I, too, am a former WaMu card holder who received my letter yesterday that Chase was closing my account for the same reasons that several other people have listed. I had received a letter from them last month that they were going to raise my interest rate and that I had the option of closing the account and pay on my balance at the old interest rate. I decided to go ahead and accept their higher rate. Since I rarely use the card, I thought I would keep it for emergencies. Not long after the deadline passed to deny their new rate, I received the letter that they were closing my account. I feel this is very unfair and sneaky.

I got a letter from Chase saying they are closing my credit card account. It is the same story that others have discussed here. This is a major shock and cannot come at a worse time. I'm looking into buying a home and worked for over a year to pay off all my debts. Chase screwed me and many others.

I, too, had to start over from a bankruptcy and establish my credit with Providian. Always paid on time or full and always paid more than the minimum. I have worked really hard to get my credit back up to 690 to 700. Then Washington Mutual took over, then Chase, now I have been canceled for this reason. They have put a downturn on my credit again. I read in someone else's post the exact same reasons given in the letter I received today from Chase: 1) total available credit is too low; 2) too few accounts paid as agreed, and; 3) too few open accounts on file greater than 24 months. My credit is now destroyed again. My bankruptcy clears in 2013, so I was getting close to my 10 years and tried so hard to restore my credit. Now, I have another blemish.

I have had this account for over 5 years. I have never missed a payment. I have always paid well over the minimum payment, and I have a pretty good credit score. Well yesterday, I went to use my card and was told it was declined. I called up customer service, wondering what happened; and they told me my account was closed and I needed to call Experian. I panicked, thinking that someone had stolen my identity and got my credit report. There is nothing wrong on it; my score has actually gone up. I never even got a letter, email, or anything stating it was going to be closed. Oh, and after they closed my account, they raised the interest rate up to 25.99%!

I have a Chase Platinum card going on 5 years now. My wife and I both make over $200k a year, have always been on time with payments, never over the limit, and pay more than our monthly due each month. I received notice in my last statement that my rate had jumped (from 17.9%, which previously when I first activated my card 4 years ago was 13.9%) up to 24.9%. After calling and discussing with Chase and a Chase supervisor, I was told that sometimes Chase has to pass along increased costs to consumers. Now, this is fine and I understand how business operates. However, raising the rate on an excellent customer, with a spotless credit history is nothing more than highway robbery. Obviously, Chase knows that many people can't transfer balances out due to the tight credit market.

I made an error of $6.00 on a $106.00 payment scheduled to be paid 7/13/09. After seeing a late payment of $39.00 and an interest increase of 10.99% from a fixed 4.99%, I called customer service and was told there is nothing that can be done. I was overwhelmed. I tried to explain that I saw the $106 as $100. I, as many, have never been late, overdrawn and had a great credit standing with Chase, and have a perfect no late standing for over 25 years with any credit company. I have savings, checking and two credit cards with them, not including my grandchildren’s savings accounts and annuity. Of course, none of this matters to anyone but me. It is strange that doing business with Chase, they dig deep for one overlooked mistake.

I also received a letter stating that my account (that I have paid over the minimum payment and always on time) is now closed. I am still shocked, and I'm wishing that there is something that can be done about this. Thanks to Obama. He's doing a wonderful job (sarcasm). Anyway, I looked on my credit report and saw that there was never any inquiries from Chase Bank, and it doesn't show closed yet. (My credit report was updated on July 23, and my account was closed on July 14.) They are liars, and this should be considered a crime.

I thought I was alone when I received letters dated July 21, 2009 from Chase Bank indicating that my credit card accounts had been closed. I was lucky because I quit using credit cards a year ago, so I didn't have to be humiliated when my card was refused as so many apparently experienced. Good public relations, Chase. Remind me never to have any financial dealings with you in the future and I will pass the word. When I googled the subject, I was sad (or relieved that it wasn't just me) to see pages and pages of letters to this website from all over the country from those who were in receipt of the same July 21st letter using the same weak excuses for justifying the closures of countless accounts across the country. I, myself, am extremely hurt by this in that we are in the middle of trying to buy a house and now, well, it may not happen.

I went to use my Chase card, which was a former Washington Mutual card, for a small purchase at the grocery store; and I was denied. When I called them, they told me my account was closed 2 days ago because of a credit rate change. I've paid this account on time and always above the minimum. The odd thing is, I had a large balance on this account and recently paid it off, then I started using it for the last 2 months for small purchases. They kept giving me a runaround when I called. I have 2 other credit cards with them, and I have never had a problem. As soon as I can, I will be closing all 3 cards with them. I will never use Chase again.

I have a WaMu credit card, which is now Chase. My card will expire on 05/2010, and I have no bad record whatsoever. Recently, my wife ordered some medications she badly needed, but her extension card got declined. She called up Chase customer service and was told that the card would be cancelled and that we would receive a letter explaining the reason(s). Today, I received the letter and their reason(s) doesn't make sense to me. It is so frustrating that a credit card company you thought you can rely on can give such inconvenience. Constantly, I've been receiving letters from Chase Bank inviting me to open an account with them. I and my wife have already planned of opening an account with them, since their branch is very close to our residence. Now, I don't think we would want to deal with Chase ever again.

After trying for a 5th and final time to use my Chase Bank credit card, and having it declined, I decided to call the customer service line on the back of the card, and find out why my card was being declined. I knew I still had plenty of room on the card and that an $18 picture frame wouldn't put me over. The customer service rep I dealt with told me that my account had been closed by the bank, and notices had been mailed on the 21st of July 2009. (I still have yet to receive the notice as of 10pm 23rd of July 2009.) The customer service rep told me that they did not have any information on why the account was closed; it just was so, so deal with it. Yes, that last part is verbatim. I did get one little morsel of information out of her before she hung up on me in that my account was closed due to negative information on my Experian credit report.

I have been a customer of WaMu, before it became Chase. Today, I received a letter telling me they have canceled my credit card. I have never been late on a payment, never defaulted, and always paid more than the minimum due. I called them and was told they decided to close my account due to a report by Experian, citing high balances, etc. for the reason. My credit with all three reporting agencies shows all accounts paid on time and in good standing. I was never a late or defaulting on any of them. The person on the phone was rude and gave me a fax, if I wanted to file an appeal. Supposedly, there is no one or any department that handles this on a phone basis. I found this was rather convenient, considering that I just recently called Chase to complain about the APR increase they imposed on my account. Since Chase took over from WaMu, my APR has been raised twice and now closed. Great way to treat good customers.

I have a Chase credit card. Last month, they sent me a notice that my minimum payment rate is going from 2% to 5%. I have been paying off cards and trying not to go bankrupt but now this card is going from $340 to $900 per month. I don't know what to do about this. My interest rate on this card is 3.9% fixed so I know they are trying to make me default so they can make more money at my expense. There should be a law against this. I did call Chase and all I got is, "We're sorry," but no help.

Apparently, I'm in the same boat as all the former WaMu/Providian customers. I received a letter today stating my account was closed for no legitimate reasons whatsoever. I've never missed a payment, always paid over the minimum, and have never gone over my limit. A couple of months back, they gave me the option to not make a payment at all, I still paid it though. My credit report hasn't had any inquiries from Chase since the switch. How is any of this legal?

I am a bit embarrassed to admit it, but I am a customer who took advantage of Washington Mutual's overdraft protection that is included with every account. I had been a customer of Washington Mutual for five years, and as long as I made a deposit to cover the overdrafts, there was never a problem with this. Well, I went to use my debit card today, and it was declined. I called the bank, only to find out that my account has been blocked from any further withdrawal, and they are closing it against my will. They are not giving me any means of stopping this action, not even the option of blocking further overdraft activity. They are just going to close my account due to excessive use of the overdraft protection program, and the only way I found out was by trying to use my card. I have to assume that Chase Bank is reviewing the old Washington Mutual accounts and closing those that it deems "unsavory".

Just like everyone else on here, I attempted to use my Chase credit card today, and bam... it was declined. I used my trusting Discover instead, and walking out to my car, I called Chase. I explained to them that no more than 30 minutes prior, I checked my balance online and I was totally in the clear. They informed me that a letter was sent a few weeks ago and that due to my recent credit history, they regretfully had to close my account. Uhm, well... I just purchased a $250K house and a $30K Lexus.

Chase issued me the Freedom card with a 8.99% fixed rate. I have always paid early and paid extra, but they felt I was not worthy anymore. They have increased my rate to 15.99% with absolutely no reason to back it up. I called and asked for management, and all I was told was that no one would help me and there was nothing that could be done. One would think that when I signed up for the card and was told that the interest rate doesn't change, I was safe.

It seems like 7/21/2009 was a busy day at Chase. My account that has never been late and always paid over the minimum was also closed for the same so-called reasons. I had a similar experience with GE Money Bank in February, after I paid the promotional balance. I may be able to do much to them at this time, but I will remember. In a few years when I have about $500,000 from my retirement account to invest and a retirement home to buy, these two banks won't be seeing any of it.

I have a WaMu card that was went to Chase that was cut off effective 7/21/09 for no valid reason. My credit is 794 and my debt to income ratio is below 25% with a past and current income of $500k plus. I don't say this to brag, just to show that Chase is not pre-screening who they cancel. It would seem there is a negative bias towards WaMu customers. I have two other accounts with Chase that I will cancel tomorrow. I'm sure there is no recourse to these cancellations, but I will say that when Chase feels like lending again, we should all choose other banks. The time will come again when the consumer matters and we will be able to show Chase the same type of gratitude that they have shown us. A bankrupt Chase would bring a smile to my face.

I got the letter in the mail today, like the others. Chase closed my credit line with no warning. I could pay my balance in full, if they would have notified me. I was never been late with a payment. If there is a lawsuit against these shady Chase credit card practices, please count me in. I was looking to buy a house. Now, my credit score will take a huge hit. This was a total blindside financial punch.

I have had a credit card since it was WaMu, and had a 9.9% rate. My card started as a $2000 limit, and WaMu increased that limit to $4500 over time after responsible credit use. I have never been over my credit limit, never had a late payment, and always pay more than the minimum payment - even if just by a few dollars.

Today I go to purchase office supplies and they tell me "card declined". I am thinking there must be some mistake. We have had this card over 5 years, never made a late payment, always paid over the min. Of all the cards I had, I thought this one was secure. I was wrong. They canceled my card with no notice. When I called, they said to look for a letter in the next 7 to 10 days. Then, she said something about our credit rating and not having enough cards. Our credit rating is not excellent but it is good by national standards. We were WaMu customers that got caught up in the Chase acquisition at the end of last year. I called Chase because rumors were flying then about them canceling cards with no real reason. They assured me that this was nothing for me to worry about. Six months later, here it is. The biggest insult I feel is that it is public tax dollars that saved their bacon. Now, the very people who supplied those tax dollars are being caused a great deal of trouble. I, too, worry about my credit rating and what this will do to it.

After having a Washington Mutual credit card for the past 11 years with a perfect payment history - never had a late payment - Chase decided to cancel my credit card and not even tell me. I still have yet to receive my "letter" with their explanation. Chase Bank has destroyed my credit history for the next two years. I rebuilt my credit step by step over the past thirteen years and in one swoop they ruined it. When I spoke to the customer service agent, he informed me that Chase was in the process of closing all the Washington Mutual accounts that they had acquired through the buyout. How is it possible that the federal government gives Chase billions of dollars for a bailout and the consumers are the ones getting screwed? I realize that nobody is going to do anything about this, but I feel the need for someone to step up and right this wrong to all the Washington Mutual customers.

I received a letter today that Chase cancelled my card after years of paying on time and always over-paying. When I called, after holding for 20 minutes, the lady was very rude and kept telling me to check my credit. I had the report in my hand, and I have great credit. Tell me why my card was cancelled and the letter went out the same day I scheduled a payment to pay it off. I am sincerely hoping that this does not affect my credit. I am going to be buying a house within the next year! What can we do to protect ourselves from this hurting our credit? This is just not fair nor right to those of us, who are good customers.

Chase closed my Washington Mutual card 2 weeks shy of two years, blaming a report from Experian. This is total ** in that my credit has never been better. I have never missed a payment on this card. And I even leave them a little bit of a balance, so they could rape me for the interest rate that they were charging me. This makes not one bit of logical sense. If they would give me a real reason as to why they were closing my account, it would be different; but the only thing that has changed with my credit is that it has improved considerably. So it makes no sense at all.

I, like so many former WaMu credit card members, also found out my Chase card has been closed! Mine was closed on July 14, 2009. I'm going to wait until next month to see how this will affect my FICO score. I did not see this coming. I paid well in advance every month. Thank goodness, I only owe Chase $589. This is the only good thing to do with Chase!

On July 17, I attempted to use my Chase credit card (formally WaMu) to make an online purchase and was told that it was declined. I checked my balance and account info online and saw that I had more than enough available to make the purchase. I retried the transaction and got the same result. So I called Chase. The CSR told me that the account was closed effective July 14 and that what I was seeing online had not been updated yet. She also told me that I would be receiving a letter within the next week explaining the situation. I received a letter dated July 21 today. Like everyone else with this same scenario, I was well below my limit, made my payments on time, and made more than what was required. After reading others' remarks, I checked my interest rate; and sure enough, I'm now paying over 20%. This is ridiculous! I'm scared to death about what this is going to do to my credit rating and how it will affect my other credit cards. Can anything be done about this?

Yes - me too! Great credit and payment history; low balances, but credit accounts closed by Chase, which will negatively affect my FICO (and I am currently in the process of buying a house). Obviously, I will never use Chase again, but my crystal ball tells me that Chase will be going out of business very soon anyway due to this type of customer treatment.

Last year, when the economy fell, my sister offered to help me by paying some bills off for me on a Chase credit cards she has that had a 3.9% interest rate. I was grateful. She paid about $16,000 for me, and Chase deducted it out of my bank account every month. Today, my sister called and said Chase was raising my payment from 2% to 5%. My payment will go from $268 per month to $670 per month. I don't make enough money for the payment, and if I don't make the payment, my sister will be in default. And she has great credit, and it will be bad if I don't figure out how to make an extra $402 per month to give to Chase.

My wife and I had our credit card accounts closed unexpectedly, weeks after we paid them in full, to the tune of $13,000. We worked so diligently to scrimp and save to overcome the huge percentage rates that were regularly applied to our medical debt, only to be slapped in the face after they received full payments (three times the amount we originally charged). Once they could not bleed us dry with interest, they cut us loose, damaging our credit scores we worked so diligently to improve. Like many others, we were WaMu cardholders. This type of practice is disgusting, and I can only hope that legislators act in the best interests of consumers to punish fraudulent activities at companies like Chase.

After being a WaMu customer and now Chase for several years, Chase has decided for the same generic reasons several people have listed above to close my credit card account. They stated Experian gave them information and based off of that information, they have to close it. I have since requested a copy of my credit report to make sure I'm not a victim of identity theft. Even though my 2 other credit cards are still fine, but I'm noticing I'm not alone. What can we do? This will impact my credit score that I just worked really hard to repair (7 years no more late payments). And Chase was one of my longest standing with the largest credit limit amounts which will impact even more because of that.

Thanks a lot, Chase. I also received a letter from Chase today dated July 21, 2009, in which they inform me that my account is closed for no apparent reason other than those mentioned by everyone else on this site. I also used to be a WaMu customer, and I also was never late and always paid more than the minimum balance. I checked my credit report after the very unfriendly Chase customer rep told me to do so. And lo and behold, my credit report is great and nothing is wrong with it; there's not a single negative entry.

I tried to make a purchase and was declined. I called, and they gave me some rubbish about my not having enough good credit to have a Chase card or something like that and that they'd inexplicably closed the account on July 14. I have received nothing in the mail about this, aside from them jacking up my APR a couple of months ago "in response to market fluctuations". This was, of course, a WaMu card before Chase bought them out. I paid my bills on time and had the account for many years. The best part is I've been in the process of trying to improve my credit over the last year, and I had just made an extra payment on this card of $850 back in May. I'm wishing I would've spent my hard-earned money elsewhere, now that I can't use the account anyway.

I received a letter today from Chase. I am a previous WaMu credit card holder as well! I have never been late or went over the credit limit and have only 1/3 balance. This will hurt my credit score. I have had these two cards almost ten years!

I had an account with Providian Bank, opened in 1998. Providian was bought out by WaMu and then WaMu was taken over by Chase. I received a letter today that my account, in good standing for more than 10 years, was being closed due to information in my credit report. When I called Chase, I was given no further information by the representative on the phone. I was just told there was nothing they could do. I asked for a supervisor and was put through to one, only after asking over 20 times. I was told to contact Experian. They also refused to do an interest rate reduction on the balance since the account was closed. I asked to speak with someone above the supervisor and was told that I was not allowed to. The supervisor threatened to hang up on me because I told her I would not get off the phone until I got someone else to talk to.

I received a letter dated July 15 saying my account was closed due to my credit report. I too had a former WaMu account. I called a Chase representative and was told it was revoked. Why am I being treated like I am a criminal. My credit report says paid as agreed by all my creditors. There are no negatives on my report. Additionally, I was told I had no opt-out option. If I didn't fit their criteria when they assumed me, I wished I had the option to close the account myself.

After being a Washington Mutual customer for multiple years, Chase has closed 2 of my credit card accounts, without providing me with advanced notification and without reasoning. My credit score is 724 and my payment history has always been above the minimum balance and for most of the years, my credit balance has been 0. I have never been late on a payment and never paid the minimum balance. By closing my account, they are reducing my credit score resulting in my inability to purchase a home.

I went to a local retail store today to make a small purchase, about $18.00. I attempted to use my Chase card, and was informed by the cashier that my card was denied. I was mystified. Every month, I pay well over the minimum required payment and always pay on time, never late! When I got home, I immediately called Chase and was informed that I was sent a letter on 7/21/09 explaining that my card has been 'closed' or cancelled or whatever you want to call it. How infuriating! Again, I was never late paying, made large payments every month. I only had a little over $40.00 on the account! And, suddenly, I'm 'a risk?' They had absolutely no reason to do such a thing. Is there any course of action that can be taken with this company? This might adversely affect my credit report by no fault of mine!

I had a card from Chase and went to use it. It was declined, could not figure out why it was declined so I called customer service. They told me that they had closed the account due to various reasons that made no sense to me. I have paid this card on time and always made much bigger payments than needed or paid it off. My card was previously a Washington Mutual card when changed it did not take them long to cancel. This will probably have negative effect on my credit that I have been working on for several years. We are recently trying to purchase a home. If this affects that purchase, I will not be happy.

I've been a WaMu customer since 2002 and always paid on time and more than the mimium. I've even paid the card off completely this year. So I began to use it again. The other day, my card was declined. I received a letter today (7/23/09) dated July 21, 2009 stating they have closed my account due to the Experian credit rating because I have other cards with high credit limits. And my interest rate is 29.99%! This is ridiculous. I've never been neglectful of my accounts. Ever since they took over, I've had nothing but problems!

They closed my credit card account for absolutely invalid reasons. Also, they never notified me of such closure until a week afterwards. Consequences include negative credit score and my credit card getting denied at a store.

I got the letter today, account closed due to the top 3 generic ** reasons. My credit report and score are way higher than when I got the card. I always paid at least ten times the minimum and was never late. I called and complained, but it didn't help and she basically hung up on me. Something needs to be done to these **! Now, my credit report will have a closed account, making it look like I did something wrong, when I was the perfect customer. I'm sure it will lower my score I've worked hard to improve, which means I can't get credit elsewhere. Companies like these use the economic crises as an excuse, but they are the cause of it. It's one thing to cut off dead-beat consumers, but it is disastrous to destroy those with perfect payment histories!

I have been trying very hard to bring down the balances on my credit cards and had done very well with reducing the balance on my Chase card in particular, which was a Washington Mutual card to begin with. In fact, I had gotten the balance down to 1/3 of what I owed and felt great about this. Finally, my debt to credit limit ratio was looking fantastic. So imagine my surprise when I discovered that they had closed my account out of the blue. They told me that a letter had been sent to me that explained their reasons for closing my account. I never received any such letter nor was I ever alerted via email nor was this indicated on my account online.

Today, July 23rd, 2009, I received a letter from Chase Bank.They are cancelling my cards due to 3 reasons. First of all, my payments are electronic and are always before due date and more than required to pay. The reasons given to me were; after careful consideration we have decided to close the above noted account for the following: (1) Total available credit on bankcards is too low; (2) Too few open accounts with time on file greater than 24 months; (3) Average length of time since bankcard(s) opening is too short.

Like many others posting on this site today, I am a victim of Chase closing my credit card account simply by being a former WAMU customer. I do not have problems with my credit. I have always paid my credit card bills on time and always more than the minimum amount. I read in someone else's post the exact same reasons given in the letter I received today from Chase: Total available credit is too low, too few accounts paid as agreed and too few open accounts on file greater than 24 months.

My card was originally issued by Providian, then changed to WaMu and now to Chase. It was issued after I had filed bankruptcy in 2003. I have had only one late payment back in Jan 07. I just found out that this has been "closed by creditor" on my credit report. I have diligently worked to improve my credit and made more than the monthly payments for more than two years since. I have been approved for other credit so I can't understand why all of a sudden, Chase can close this account. This does not seem legal to me, but hey, I guess that's what bailouts can do for you.

On July 15, 2009, Chase Bank, the successor of WaMu Bank, sent a letter to me stating: After careful consideration, we have decided to close the above-noted account for the following principal reasons: Total available credit on bank cards is too low, too many open bankcards with high balances and too few accounts paid as agreed compared to total accounts. In addition, if this account is linked to your Chase checking account as Overdraft Protection, that feature has been deactivated.

When purchasing dog food, my card was denied. I found out that Chase closed my account without notification. My credit report score dropped from 736 to 703.

About a year ago, I took a $16,000 2.99% interest loan with my credit card from Chase. 2.99% until the balance is paid. Nowhere did it say it would increase inadvertently, only if payments weren't made on time. I received a notice that the interest rate would go to 5% and that my payment would increase from $290 a month to $712 a month. When asked why, I was told it was because of the economic times. I told them I could not make the payment and they basically said tough and would not work with me. I have never missed a payment and told them if this was to happen, it was going to be my house payment or theirs that would go by the wayside and it sure as heck wouldn't be my house payment. This all fell on deaf ears and through about half an hour, I just hung up. I also told them they were driving responsible like myself into a possible bankruptcy, again to no avail.

I received a letter today, July 23rd, dated July 21, stating that my account was being closed. Like many other people, I have had this account since it was a Providian account in 2004. Never a late payment. I am actively trying to pay off my debt, and know that I have had some delinquencies in the past. When I received the letter today, I immediately requested a copy of my credit report from Experian online, which showed nothing different (other than positive payments) since my last report was obtained last fall.

My complaint is the same as other former WaMu customers. Chase acquired the account, raised the rate, then suddenly closed the account. All payments were on time, always more than the minimum and the credit limit was raised by WaMu because of the prompt payments. It seems that Chase is arbitrarily dumping former WaMu customers (the letter from Chase is coded "WaMuClosure1", which suggests that this action specifically targets former WaMu customers). Although economic conditions are currently difficult, there is no excuse for such shabby treatment. This is unworthy of any bank in America. I consider the sharp and sudden rate increase to be economically damaging and the closure to be arbitrary, capricious and grossly unfair.

I called Chase to inquire about the APR percentage that I thought was too high. I find out that my account has been closed for a couple of months now, when I was paying more than the minimum, sometimes twice and three times more. And they never bothered to notify me by "mail" as they stated they mailed me a letter (right!), or my cell which they have on file.

I had two Washington Mutual credit cards, which later became Chase. I had never been late. Suddenly, they increased my APR to 26% unless I decided to close my account to keep the APR low. I decided that it was worth to pay as much of the balance that I had and not close my account because that would have a negative impact on my FICO score. Well today, I received a letter that they closed my accounts. I urge anybody considering a bank or credit card not to go with Chase. They do not care about the consumer and want to see your FICO score go down.

I received a letter today that my account was closed, dated July 21 2009 when it was closed a week earlier without notice. I was a customer of WaMu for over 5 years and I was in good standing so they dumped me for crappy reasons. I wasn't the perfect credit card user but I made all my payments on time. They also said I was being closed because I wasn't a Chase member for 2 years.

After having a credit card through WaMu for over two years, during which time I usually had a zero balance or paid over the minimum balance, Chase decided to close my account shortly after taking over. My card was declined at two merchants, so I called customer service to inquire why. I was told a letter will be sent out to explain why the account was closed. I asked if I was expected to pay the balance out in its entirety, but she said I may continue to make monthly payments.

I had a credit card issued to me by the former Washington Mutual company in 2008. Since I've had the card, all payments have been on time and I've always paid more than the minimum required payment, sometimes 2-3 payments a month. I have continued this payment history after Chase acquired my account by buying out WaMu because I am trying to rebuild my credit score from 3 years ago. Today, July 23, 2009, I received a letter from Chase dated July 21, 2009, stating that my account had been closed due to: Total available credit on bankcards is too low; Average length of time since bankcard(s) opening is too short and too few accounts paid as agreed compared to total accounts.

Without being given any prior notice, our Chase card, formerly WaMu, was closed for the same reasons everyone else was given. On a second account, they drastically lowered our credit limit. Never a late charge, over limit fee, nothing. Always perfect credit. Now they did a number on our credit by what they did, this I already know. When this recession rebounds and Chase or any of their affiliates comes knocking, guess who's not answering the door? I'm sorry to say this but they can choke on their greed. I guess the bailouts by the federal government gave them the capital they needed. By shedding all their customers, the same in postage fees, having to create and provide statements, etc., cutting certain overhead costs. But the poor guy who is constantly over the limit or is late, they'll keep him to milk it for all they can.

Chase took over my WAMU credit card and with a letter dated July 21, 2009, closed my account (which still had a partial balance). I had a good credit score (I was a couple points shy of excellent!) and good credit history. Now my credit score has sunk. I am awaiting to see if my other rates go up plus I am in the process of purchasing my first home and before this happened, I was eligible for the lowest rate. Now if I can get a loan, I will have to pay a much higher rate.

Shady business practice from a company that took over WAMU credit card holders! I received a letter in the mail today from Chase stating my credit card account has been closed due to a credit report from Experian. The problem is that Experian has no knowledge of Chase checking my report and do not understand why the card was closed due to my perfect payment history with them. The same letter was mailed to several friends who were WAMU cardholders also, until this unethical company purchased WAMU. Chase is getting rid of all the baggage that WAMU had and this is the only logical reason I can come up with. Is this legal for this company to play with customers' credit scores and future plans to build credit? I never paid late, have a $600.00 balance on $2,400.00 credit limit and got kicked in the face by a credit bully! My credit score that I worked so hard to build for future home purchase may be in jeopardy due to lies by a credit giant. I can only imagine what this will do to my 700 credit score.

After having my gym call me about my monthly payment being "declined" on my Chase card, I called Chase to find out what happened since I had a zero balance with over $5,000 in credit available on the card. They told me they closed my account the day before (7/21/09) without telling me, but said that I would be receiving a letter in the mail. I asked why my account was closed since I pay my balance off completely every single month and have for the last three years. They told me, "We reserve the right to close your account at any time and we did." How can they do that to a good customer? Why am I being punished for paying off my cards in full every month which will only help my credit when there are people in $60k worth of debt and having half of it forgiven by credit companies? I'm wondering if Chase isn't getting ready to file for bankruptcy based on the amount of customers it seems they are cutting off.

I had PayPal Visa credit card through WaMu which was purchased by Chase. At the same time, I also had a credit card issued by Chase. So when Chase bought out WaMu, I, in effect, now have two Chase accounts. Since almost the very day they purchased the WaMu account, I have endured constant rate hikes and have successfully argued for and had my rate reset lower a couple of times in the past, but my original rate of somewhere around 9% is now a whopping 19%+, though I have not been late or gone over my limit. In fact, I am at half of the limit.

Our debit cards were temporarily not working last night (system was down), so I pulled out 1 of my 2 Chase credit cards to pay for my groceries. It was declined, so I tried the other card. Also, declined. We called the company, and they said our account was closed by the bank on July 14th and that we would be receiving a letter in the mail explaining why. They had nothing on file that explained why it was closed, and that we would have to wait for the letter. I lost reception, and called back. This time they sputtered off something about after receiving a credit report from Experian that the account was closed due to information obtained from the report. I asked to speak to a manager and the rep said that the manager would tell me the same thing, and then the rep hung up on me! I do carry a balance on these two cards, but I pay on time and more than the minimum. These accounts were former WaMu accounts. I've been reading on the internet that this will lower my credit score. Why did they not at least tell me in advance that they were going to close it and let me close it instead? I am very upset because I have been working to increase my credit score.

I had a WaMu card that was converted to Chase. The card was originally issued with a six-month free interest for transferring a balance from another card, which I did. The interest after the introductory period was 12.99%. Not too bad, I thought. Then Chase took over. They immediately raised my interest to 17.99%. OK, what can I do? I called and of course, they said that was just the way it was. I have had the card for about two years, and always paid on time, never one late payment, and I always pay via their website.

Yesterday, I was trying to pay for my lunch while on a break at work and my Chase Visa card was declined. I called and was told my account was closed due to a new credit report. I have never been late and always pay the full amount at the end of the month.

I had a WaMu credit card for 7 years. Chase bought them out. Long story short, they closed my credit card without any notice. I’m still waiting for the letter they supposedly sent out that nobody else got. I was never late and always paid more than the minimum. I’m trying to buy a house. Since the closing of the credit card, it took a hit on my credit report because it shows I closed my longest card I’ve had as well as the biggest in available credit.

I had a credit card issued to me by the former Washington Mutual. Since I've had the card, all payments have been on time and I've always paid more than the minimum required payment. I have continued this payment history after Chase acquired my account by buying out WaMu. Yesterday, July 22, 2009, I received a letter from Chase dated July 15, 2009, stating that my account had been closed "after careful consideration" due to the following: 1.) total available credit on bankcards is too low; 2.) average length of time since bankcard(s) opening is too short; 3.) too few open accounts with time on file greater than 24 months. All reasons were based on a credit report they obtained from Experian (TRW). The phrases "too low" and "too short" do not indicate what kind of standard they are measuring against, so it is rather difficult to argue those. However, I'm sure that at any point in time after someone has taken a vacation, there is a chance that their credit card balances may be higher than usual. None of my current credit card accounts are maxed or even close to being maxed. I have been making on time payments of considerably more than the minimum balances at all times.

I had three credit cards with Chase. I used less than 20% of the credit lines, and however over the last six months, Chase lowered the lines to a few hundred dollars over the existing balances. Creating a ratio (debt to credit) looking bad, not to mention the interest rate increases. Yesterday, I had a meeting with a perspective employer. I offered to pay for the coffee! However, without notice, Chase declined the $7.43 charge. I called Chase and I was informed the account was closed. I have never been late on any accounts and was forced to close two other accounts, so it would show closed by consumer.

I, like others, was a WaMu customer too. I went to pay balance $423 off for upcoming cruise and credit card was denied. For the life of me, I couldn't understand because I had several thousand of dollars available. I called Chase credit card up to inquire why my card was denied because I've always paid way more than they ask. I've never been late. Rep would tell me nothing but it was closed on July 14, 2009 and letter would be sent in the mail. Well, that wasn't good enough answer for me. I sent a note from the Chase account. They responded back with they checked my credit through Experian. (Why? What warrant you to check it?) And it came back as I had account too short (just opened it up last Oct. 2008) which makes no sense to be part of a reason to close my account out. Also, they said I had too many credit card at a short time (three credit cards, give me a break). Also, they said my balance on them was too high which was a lie.

I had a card from Providian that became WaMu then Chase. I carried a balance on the card; however, I always paid on time and most cases paid more than the minimum. On May 8th 2009, I paid the card completely off and sent a letter to Chase dated May 2nd to close the account at consumer's request. I received a letter from Chase dated May 13th that confirmed they received my letter. On May 29th, I sent in a final payment to cover the average daily balance interest and again noted that I requested to close the account. This check cleared my bank on June 2nd. On July 20th, I received a letter from Chase stating they closed my account for reasons obtained from an Experian credit report.

What happens if I decide to simply walk away from a $12,900 balance on my Chase Visa (formerly WaMu)? Can they attach funds I have in other banks? I know they cannot garnish my wages in Texas nor take any of my personal property. They've already screwed with my credit by closing my account, even though I've never been late or over the limit. Thanks.

My husband tried to use his Chase credit card last week at a gas station and it was declined. He called me and I quickly looked up online to see if there was anything on the account that would explain, and there was nothing. He had plenty of room as we had just made an $800 payment and the balance was well below the $2,500 limit. He called and they told him the same thing that they closed his account due to risky credit and sent a letter.

Okay, here goes my Chase bank adventure story. I too was a WAMU customer starting nearly four years ago with a decent credit limit. Over time and without request, I was granted regular credit increases. I always paid well more than the minimums and always on time (via EFT). During the Chase transition in January 2009, I went to Australia for a business trip and subsequently missed their "unannounced due date change" by 2 days. I then received a letter that as a result of being late, my credit limit was dropped to the amount owed on the card and that my interest was subsequently being increased from 9.9% to 26.9% interest. Although I have not been officially notified yet, I suspect that my account has been closed for a while as I have not used the card since January 2009.

I had a WAMU card for 2 years in which I had automatic payment setup to pay 6 times my minimum payment every month. Chase purchased my card and then informed me that I can no longer setup automatic payments for more than the minimum balance. So we set them up for the minimum payment amount. Yesterday, I found out that my card was canceled due to high balance against credit limit. My limit was $6,000 and my balance was $1,000 and I was never late on a payment. In addition, my wife’s Chase card credit limit was reduced on a separate account. My credit will be affected. I will now receive a mark of account closed by creditor on my credit report. My wife’s credit-to-debt ratio went from $2,000 debt and $12,000 credit with them to $2000 debt and $3,500 credit. We were going to be purchasing a new house in the next year and this concerns me.

I had a WaMu card for two years in which I had automatic payment setup to pay six times my minimum payment every month. Chase purchased my card and then informed me that I can no longer setup automatic payments for more than the minimum balance. So we set them up for the minimum payment amount. Yesterday, I found out that my card was canceled due to high balance versus credit limit. My limit was $6,000 and my balance was $1,000 and I was never late on a payment. In addition, my wife's Chase card credit limit was reduced on a separate account. My Credit will be affected. I will now receive a mark of account closed by creditor on my credit report. My wife's credit to debt ratio went from 2000 debt and 12,000 credit with them to 2000 debt and 3500 credit. We were going to be purchasing a new house in the next year and this concerns me.

I, too, learned that my Chase account was closed when I used my card to make a $10 purchase. I received no notification prior and to date, am still waiting for the letter explaining why my account was closed. I did call and question the representative who refused to give me an explanation. I recently bought a new car and know my credit score is well above 750. The card had a $6,000 limit with $300 on it. I had the card since 2002 when it was Providian. Since opening the card, I never once made a late payment or paid the minimum amount. I always paid more than the minimum. It seems that Washington Mutual customers are being punished. I am very upset with the actions of Chase since I know I have great credit and know my credit will suffer as a result of Chase closing my account. It is unfair that I go to work and pay my bills and a company can close my account for no good reason other than I was a Washington Mutual cardholder.

I had two credit card accounts with Chase. They closed one due to inactivity and then closed the second one due to low credit limits and length of time I had cards. I have had this card for three years and never been late on any payment. In fact, I haven't been late on anything in almost four years. How can they do this? I was carrying a very small balance on the card that was closed and they never even notified me that it was closed. I didn't find out until I tried to use this card. No matter how hard you try, you just get knocked down again for no reason. It just doesn't seem fair.

I was on a hardship payment plan with Chase due to a divorce and I made my payments as agreed. When I was deployed to Afghanistan with the USAF, they listed my card as defaulted as of May 1st and I've been on hardship since October 2008. When I called, they stated that since I deployed, my hardship was invalid and they were going to up my interest rate as well as my payments are also going up. I had to debit consolidate the card to save my credit. Also, they were rude and refused to assist me even though I worked out a payment plan with them. I think they did this because I deployed and am on active duty. The account was already closed because my ex-wife maxed the card and I was paying it back. In fact four months after I returned home, the card would have been paid. They knew that and still did this.

As many have posted already, I was formerly a WaMu credit card holder. I was never late on payments and usually paid my balances in full. After the change to Chase, I went to use my credit card and it was declined on July 19. Chase said they closed it on July 14 and a letter was sent. No letter has ever been received to date. I was told I had too many credit card accounts with low limits, which I probably have seven with low limits; however, most have zero balances. I was laid off in December and issued a Chase debit card to collect my unemployment wages. It is my belief they closed my account in finding out that I was unemployed. I think I was discriminated against because of the debit system with unemployment being through their bank. They cancelled my credit card account.

I usually pay for gas with my WaMu (now Chase) credit card. Like most people, I usually pay outside, and then go about my business. This time, however, for some reason my credit card was just not going through. I went inside and waited in line to pay for my gas and was extremely embarrassed when the man behind the counter told me my card was declined. There's no way thought. I always pay on time and have never been in default. I called Chase right away and was furious when I found out they closed my account without even letting me know. When I asked why, they had no logical explanation. All they could say is that according to my credit, I don't qualify to have a Chase account. When I asked to speak to a supervisor, the person on the other line said that the supervisor would tell me the same thing and was extremely rude! I couldn't believe how rude they were. Not a letter, no phone call, nothing.

I recently received a letter from Chase Bank that my credit card account was closed based on information from a credit reporting agency. I was also informed that I should contact my credit reporting agency which they used to make their decision. I obtained a credit report which stated that all my accounts were in good standing with no adverse reports. I have always paid my credit card on time and always more than the minimum. As a matter of fact, when my account was closed by Chase, my account outstanding balance was $20.20. The bank did not have the courtesy to call first before they made a decision which is based on a complete lie.

Today, I received a letter from Chase regarding my Chase credit card, my prior WAMU credit card and opened on July 2007, stating they had closed my account because of information received from my Experian (TRW) credit report. I called Chase because I thought they might have made a mistake because I had never missed a payment, had always paid on time, was paying down my balance and paying more than the minimum payment due each month. The gentleman who answered the call stated that yes, my account had been closed and the only recourse I had was to attain a copy of my credit report and if I find any inaccuracies or disputes or disagree with the report, I can dispute the matter with the reporting agency.

I used my Chase credit card (formerly WAMU) on 7/22/09 for a $20 charge at a restaurant and the card was declined. I called Chase and was told that my account was closed on 7/7/09 due to information received on my Experian credit report. The reasons given were vague (total debt high compared to available credit). My credit rating is in the 700s, have never had a late payment, always pay more than the minimum and have had several year history with WAMU/Chase in good standing. There is no inquiry posted on my credit report from Chase. They said my account was closed on July 7th, but I received no letter, and online still shows available credit. I am concerned that it will lower my credit rating and there is absolutely no recourse. The supervisor "Maria" ultimately hung up on me when I asked for a second supervisor.

I have had my Chase credit card, formerly WaMu, for 6 years and have earned a $15,000 credit limit. Yesterday, I tried to pay my daughter's plane ticket to Hawaii and I was told that my card had been declined. I was surprised since I have been paying on time and only had a balance of $8,000 on it. I called the 800 number on the back of the card and was told that my account had been closed and the only explanation they could give me was that there was something in my credit report that was the reason for my account closing and that some letter was to be sent out to me the next day. This was infuriating since we were never given any notices of the closing prior, not to mention that this will directly affect my credit score.

I emailed Chase about the APR on my account. I wanted to see why it was so high and tried to get it lowered. I too was a WAMU customer. The customer service reply was my account had been closed. I emailed them back as to why it was closed because I didn't close it. The customer rep emailed me that because Experian had reported to them that my credit report showed over the limit and low available credit lines. I, like the other people here, have paid on time and over the minimum payment since 2003. When I actually called the call center, this snippy little customer rep said I needed to get a copy of my credit report from Experian. Hey folks, nothing is wrong with my credit either. There has been no request for credit report either. Is Experian aware they are being used as a scapegoat by a very unreputable company.

Today, like everyone else on here, I tried to use my card and to my surprise, it has been declined! What? I have never been late. Heck my last payment was $400.00, not that anybody cares, but come on! My balance is less than $1,000 and I pay good! They didn't even notify me! I was embarrassed! I couldn't get my medicine. I had to go home and get another card!

My story is going to sound like a broken record. My Chase account, formerly a WaMu account, formerly a Providian account, had been closed without my knowledge. One day, as I was getting gas, I swiped my card only to find out that the card was declined. I tried again, same result. I thought that was odd. I always paid more than the minimum on my account. I went home, checked the account online and had plenty of available credit so the next day, thinking maybe there was an issue with the card reader at the gas station, I used the card to pay for lunch and got the same result. So, I called and they told me they closed my account based on an Experian credit report and I would be receiving a letter. Three weeks later, I've finally received that letter and to top it off, another account I had which had no balance on it was also closed. Chase Bank, it is totally unacceptable to not communicate with your cardholders prior to making a decision to close an account! Furthermore, I will never ever do business with you again!

I just found out that my Chase credit account has been closed. I tried to make a payment to my telephone company and my payment would not go through. I called Chase and I was told that my account had been closed. I asked why and I was told that it was due to a review of my credit report. I was asked why I wasn't notified and I was told that a letter was mailed out yesterday.

My Chase (formerly WaMu) credit card was cancelled. I did not know it until I tried to make a purchase today, July 22, 2009. I have never once paid this or any of my other cards late. I had $2250 available on this card and my $60 purchase was declined. When I called Chase, they said I would be getting a letter in the mail and that my card was cancelled because my revolving balance ratio on all of my cards is too high. I have perfect payment history on every item on my credit report. There’s never even one late payment on house, car, or any of my credit cards and they cut me off. Embarrassing and with no warning. They said I will be getting a letter.

Like everyone else writing in reference to Chase, I had a WaMu card which was bought by Chase. I have always paid on time and well above the monthly minimum. I went to use the card and it was declined. I contacted Chase on 7/21/09 and was told that the account had been closed. No explanation was forthcoming. They did tell me that a letter was mailed out on July 14th and I have still not received said letter. Now, after logging online, when reading the "new" account agreement, I see that Chase can close the account at any time and request full payment of any outstanding balances. How can this possibly be legal? Is there any recourse for consumers? And what happens if you cannot pay the full balance?

In 1998, my United Mileage Plus credit card was transferred to Chase Credit Card Services. During the time from 1998 to present, I was offered transfer balances at low fixed rate options. My current balance has an APR of 7.65% as of July 2009. Based on recommendations by many financial advisers to transfer high interest rate cards to low fixed rate options. The payments I have been making have been applied to the lowest interest rate balances and I found the higher interest rate balances have been increasing over time, which is soon going to be regulated by law as an unfair and deceptive practice.

They will increase the payment of my Chase credit cards from 2% to 5% starting in the next month (August 2009). Because I owed them a high balance ($12,766.66), my payment will be increased from $255.33 to $638.33. My monthly payment will be increased by $383.00 and now that I'm having a hard time to get money, this fact is causing to me feel stressed (sick). This increase is not fair because I never missed a payment and I never did a payment late. Besides that, I don't have a machine to produce money.

Today, my wife went to get a prescription re-filled and used her Chase (previously WAMU) credit card. It was declined. When we called, we were told the account had been closed and that we didn't meet their requirements. We were never late with a payment and we paid more than the minimum many times. To add insult to injury, they closed the account prior to notifying us, which resulted in a very embarrassing situation. We will look elsewhere for our banking.

I had two Chase cards for about five or six years. I got them through Amazon.com. I used them to purchase items from Amazon, but one day I got a letter in the mail saying my one account was closed. I called them up and asked why. They told me that it was for lack of use. I paid them off within two months after purchasing from Amazon.com. I told the guy on the other end of the phone to cancel my other card, too. I didn't need them as I have worked in the financial field for over 25-plus years and my FICO score was about 795.

My long standing credit card account with WaMu was merged into Chase. I got a new card a month ago. Then a week ago, charges started getting declined. I checked online and the account was just fine. Finally, I called today and was told the account was closed on July 14th and a letter was mailed (still have not gotten this supposed letter). I was told the account was closed due to a credit review as a result of new data from Experian and there was nothing I could do. At the time, I had a $1600 balance on a card with $5000 and have been paying it down $160 every week.

I am a former WAMU credit card holder and my account has recently been managed by Chase for the past few months. I found out today that my credit card account was closed on July 14, 2009 after I attempted to make a purchase and my card was declined. I immediately contacted Chase to find out what the problem was because I knew I had about $700 available credit and I had never been late with a payment. I even paid much more than the minimum balance due. I was told by a representative and a manager that my account was closed because of information obtained from my credit report with Experian.

I went to use my credit card (formally WaMu) and the card was declined. I was thinking that there was a fault with the reader. I asked the cashier to put in the 16-digit card number and it was declined again. I called Chase and was given some runaround about Experian credit reporting and that my credit rating was bad. I never had a late payment and I always paid on time and more than minimum payment. Chase told me a cancellation letter was mailed on 7/14/09. I have not received the letter as of 7/22/09. Standing in line at a Lowe’s home improvement store with $300.00 worth of goods, holding up line and arguing with people that there is some mistake is very embarrassing to have to take everything back.

Chase got me, too! Like many others, I am a former WAMU customer and received a letter from Chase on July 20, 2009 stating they have decided to close my account. Turns out my account has been closed since July 7, 2009, even though it doesn’t show up as closed when I view my account online. So, my account was closed and I receive a letter two weeks after the fact. Way to go, Chase! From what I’ve read, it looks to me as if Chase doesn’t want to deal with any former WAMU customers, so they are getting rid of us. I will never do business with Chase again. To treat their customers this way is completely insane.

I have two credit card accounts with Chase which were both accounts under WaMu. The visa account I have was also previously owned by Providian as I can see many others have reported. I have balances on both cards of which I was trying to pay one of them off. I only found out this morning that my credit cards were closed when I logged into the WaMu website to check my checking account balance as well as to mark off the cleared items in my checkbook. When I saw the 'closed' where the credit limit used to be, I knew something was up but couldn't call to find outright then since I needed to leave for work. Once I got home though, I called and was told that they decided to close my account based on 1) the number of credit lines I have open over the last 36 months was too few; 2) the total amount of credit I had was not enough; and 3) the amount of used credit as well as the rate at which that used credit had grown was too large for the period of time I had the cards as well as how much credit was available to me. Keep in mind, this was all because of information that they received from Experian (I guess).

I was going to use my card for a small purchase and it was declined. I called and Chase said they cancelled my account pursuant to information derived from Experian. I ran my Experian subsequent to the conversation and no inquiries were made by Chase to substantiate their claims. There is a blog on the internet and there are thousands of people who also were cancelled. Help!

I also was a WaMu customer and learned today that my credit card account has been closed. Chase says that a report from Experian regarding my credit is why they are closing my account. They are citing past credit blemishes that happened before I was a customer with WaMu. Also, they claimed that my available credit was too low, and my balance is only at $28.13 out of a $750 limit. I have never been late nor have I missed a payment.

I called to check on my account balance to learn that my account had been closed. I have paid my account on time and more than the minimum required payment. All my other bills are paid on time as well. I was told that my available credit was too low on my other credit cards as reported by Experian.

Like many others on here, my Chase card was closed. We went out to eat and my mom had presented her Chase card and it said it was declined. I gave them my Chase card that had $800 left on it and it was declined. The next day, I went to the store to buy gifts for my daughter's birthday and presented the Chase card and it was declined. So I was mad and called and like others, she said, "It looks like your account has been closed by us," and again, she couldn't tell me why. She rambled off some things and then said I would get a letter and still have not received this. This happened on July 17th and 18th and today is the 22nd and the lady on the phone said the letter went out on the 14th.

Without any notification, Chase closed my Visa account, even though the account was current. I had a strong payment history (always more than the minimum). As with other consumer complaints, this account was formerly a WaMu credit card. I had the account for five years and was always in good standing. I learned about the account being closed when the card was declined for a relatively small purchase.

I went to use my card today and like everyone else, I was declined. I was very embarrassed. I have many credit cards and I have never been late, paid on time and usually more than the minimum. I contacted Chase and they advised that our accounts were closed because we are considered a credit risk. I advised them that they would rather close an account than make money on us, especially in these economic times.

After being a customer for the past four years, never being late on a payment and always paying more than the minimum, I received a letter in the mail stating that they are closing my account. Now, my credit score will drop and I am considered a risk. How can a company just do that after I have been an excellent customer for the past 4 years? What more could they possibly ask for? Something needs to be done about this. No wonder we are in a depression. Credit card companies are taking advantage of hard working people who pay their bills on time!

This morning, my husband went to pay for his doctor's appointment and our Chase credit card was declined. He came home and looked up to find that our available balance was $586. We instantly called to check and were told, to our shock, that our account had been closed. The reasons were "general" and any specifics would be found in the letter they sent us yesterday. Their general reasons were "not enough credit time established" and "a recent check on my credit report."

My original intent was to file a complaint about Chase raising the interest rate on my former WaMu credit card to 29.9% after sending me the checks promising 4.99% for the term amount. I signed on to the site to complain and state that I was paying the balance in full before the interest rate increase went into effect. Prior to posting, I went to the consumer complaint site to read my fellow ripped off comments. To say that I was shocked to hear how badly some of you were treated took my breath away. My wife and I are in such a financial position that we could simply pay the card off in full and walk away from this company.

My credit card was issued by WaMu and like many other consumers, I received my new card, but when I tried to activate it today, I was told by two other reps that the account was reviewed by credit analyst and closed based on information received from the credit card company. Mind you, I have good credit, was never late with any payments with WaMu (or now Chase) and always paid more than the minimum payment. Something is going on, more than credit, which is affecting consumers and I really would like to know what it is. Quite frankly, I don't mind the closing of the account considering that they've increased the finance charge but not this way, as I believe that this will have a negative impact on my credit score.

I, too, like many other former WAMU customers was awakened to learn that my Chase credit cards had been closed for no reason other than a report from Experian had caused them to close the accounts. I had two accounts opened without a blemish on either one. I was currently only using one of the credit cards, making payments every month. The other one had a zero dollar balance with a $2,500 limit. I actually had a perfect credit rating with them. I only learned of this closure just by simply making a phone call to activate the new card with the Chase logo. It was then that I was informed that the account was closed. I am furious because I strived hard to maintain a good credit score and this will now only harm my efforts over the years. It is so unfair that years of building good credit can be destroyed in an instance by credit card companies. I feel the tax payers are really getting a bombed deal here. We cannot take this lying down. Something needs to be done now.

Chase sent me balance transfer checks advertising a low rate of interest. In January of 2008, I transferred $11,000 from another card to take advantage of the lower interest rate; however, Chase gave me a rate of 27.49% on the balance transfer and no notification that the interest rate would be anything other than the low rate that was advertised. I found out what my new interest rate was when I got my January '08 statement.

Ditto to all the other complaints. I had a WaMu credit card that went to Chase and they closed my account without notice. I was embarrassed a few times in stores. No past late payments or issues - always paid on time and more than the minimum. It just makes me angry. One of my other credit cards just jacked my interest rate up to 10% in the past week!

I had a credit card with WaMu when Chase bought them and eventually closed my credit card. The story is the same. No late payments and always paid more than minimum. My credit score is higher than when the card was issued. I was told a letter is in the mail, etc. - pretty low brow outfit.