Chase Credit Cards Reviews

Much like the others whose letters I have read, I was a long-time credit card holder at WaMu. My credit card was first issued in the 80s by Providian and then purchased by Aria, then by WaMu. Through all of these changes, I had such an excellent record. My credit limit was constantly increased (at no request from me). I have always paid on time and above the minimum. Chase has now owned my credit card for several months. I tried to use my credit card on July 20, 2009 and it was declined. I received a letter in the mail that day, which was dated July 15, 2009, telling me that my credit limit had been reduced to my current balance, which is basically telling me that I no longer have a credit card. In addition to the crime of charging an outrageous interest rate (31.99%!), we are all being victimized by these, if not illegal, unethical, unscrupulous practices. Why would a company penalize their best customers? It makes no sense and makes me absolutely furious.

Like many others on this site, I tried to use my card at a retail establishment and was told it was declined. I knew that there was still available credit of more than $300 on the card. I have always paid on time and more than the minimum. This card was opened several years ago as a WaMu card. It has been paid off every year during tax season and the rest of the year - I use it and pay it on time.

On July 22, 2009, I tried to use my credit card and was denied. When I called Chase, I was told that they sent me a letter on July 18 (4 days ago), indicating that they were lowering my credit limit. They lowered it to an amount that was less than what I already had on the card, which instantly put me over my limit and they charged me the $39.00 over limit fee. I asked to speak with a manager and was told I could not, and that I'd have to send a letter in writing telling them why I wanted a refund of the charge.

I was a former WaMu customer but my account was transferred to Chase. On 7/21, I went to use my card for a $35.00 purchase only to find out that the card was declined. I was so utterly embarrassed and I knew I had more than $2,000.00 worth of available credit. I have never been late with Chase or any of the accounts that I currently hold. They told me very rudely that the reason why they closed the accounts was due to information that Experian had reported to them.

Like all the other complaints, I have had a former WAMU credit card turned into a Chase account that was closed for no reason. I have always paid early and paid well over minimum. I usually paid statement balance in full. I have paid all other accounts on time as well. I was not notified, although when I called I was told that it was due to something on my credit report and that I was sent a letter on July 14. I have a difficult time believing what I was told. I can't believe that a business would treat their customers this way and punish them for handling their accounts responsibly! I, like many others, will not be doing any further business with this company. It has damaged my credit score.

I went to use my card yesterday to make a $114 purchase and it said it was declined. I called the company when I left the store and was informed that my account had been closed by Chase because of my credit report they received. I went home and got a credit report and my score is above 700 and nothing is late or past due. I called Chase back and said that I was going to need to activate my unemployment insurance and I was told by one person that it was already activated, but they would put me through to a representative in that department.

Like all the other complaints, I have had a former WAMU turned Chase credit card account closed for no reason. I have always paid early and paid well over minimum. I usually paid the statement balance in full. I have paid all other accounts on time as well. I was not notified, although when I called, I was told that it was due to something on my credit report and that I was sent a letter. However, I have not received this letter as of yet. I checked all my credit reports and not only are there no negative changes, they have improved since opening the account. Also, I do not see that Chase had even accessed my credit report recently, so I have a difficult time believing what I was told. I can't believe that a business would treat their customers this way and punish them for handling their accounts responsibly! I, like many others, will not be doing any further business with this company.

My Chase card (formerly WaMu) was closed with no warning and no legitimate reason. My history (almost 3 years) with the card is unblemished - on time and well over minimum payments made. Interest rate was recently doubled, but I decided to keep the card open because of the need for a card for credit building. I have been trying to build my credit score for years and now it will be ruined due to no fault of my own.

I am like all the other complainants. I was a previous WAMU credit card holder and just received a letter from Chase stating my account has been closed because of not long enough revolving credit. I have never paid late on this card and I have always doubled, if not tripled, the minimum payment due. All they are doing is hurting people's credit by closing the accounts. I hope everyone who has had a problem with them will switch banks. I am. We should do a class action lawsuit against Chase.

My card was issued by WAMU a couple of years ago and I used it regularly. I always paid on time and more than the minimum. Chase took the card over and things began to change. My minimum went up, but I still paid on time. Six months ago, I made a payment on the Chase website the day it was due. It didn't process till the next day - and bam, my APR doubled! I've called every month since to ask for a rate reduction and have been told no. Last month, the gentleman that I spoke to told me that I should be able to get the reduction next month (July) because it will be 6 months.

I had an online account that was being paid monthly by the credit card and then suddenly, I was told by Chase that the account was closed. I received no notification. I called Chase and I was told that the account had been canceled due to a credit report from Experian. This was a WaMu account and had been paid regularly with only one or two late payments. I even had over $500 for a credit line left.

On Sunday July 19, 2009, I went to a store and tried to use my Chase credit card and it was declined. On Monday, July 20, 2009, I received a letter in the mail from Chase stating they had closed my account due to various different reasons, one being I was over my credit limit. Another was that my balances on my credit card were too high. They also state Equiren Credit Bureau. All of which are not true. I always pay my credit card on time. I always pay way more than the minimum required.

My Chase card, which used to be WAMU, was closed for some kind of reason of high bankcard and higher balances. The account was just closed one day without notice. I have recently paid the account off and used the card. The limit is $1500; the amount was $908 and some odd cents.

I, like many others posting here these past few days, have fallen victim to Chase. I've had my account for years with WAMU. I have always paid early or on time and have always paid more than the minimum due. I received notice of an APR increase at the conversion from WAMU to Chase promising all the added benefits, etc. This month they changed my due date without notice and my normal payment that would have been posted early instead one day early. They declared this as "another" payment for my previous statement and you see two payments posted for one month, both way more than the minimum due.

Like hundreds of others, I received a letter from Chase dated 7/15 that my Chase credit card had been cancelled because of information they received from Experian. I've got a high balance, but I've paid at least the minimum every month. I was a Providian/Washington Mutual customer before. The bottom of the letter is annotated "WaMuClosure1”, telling me that the Experian excuse is just that. This is really unfair. Of course, my credit rating has taken a hit and I now have an "account closed by company" on my credit reports. We've really been trying to pay everything off. This was my largest line of credit and it’s now no longer available to me. I don't have many cards as it is and I am now worried that the other card issuers will follow suit.

My card was previously with WAMU. I regularly paid early and over my minimum due. I had that card for years without problems. The card was transferred to Chase. I continued paying early and above the minimum. Chase has since upped my interest rate twice in 5-6 months. Now, I have just found out they have lowered my credit limit. They did not notify me of this latest change until after I discovered it on my own. I had an agreement with WAMU that was taken over by Chase. I have followed through with my end of the agreement. Chase is continually changing the terms. While I am getting the card paid off, Chase is continually making it more difficult to do so by throwing these stumbling blocks in my way.

I cannot believe what happened to me and many of the other WAMU cards customers. I was trying to book a hotel online and this credit card didn't go through. I called customer service and guess what, they told me that my card has been closed due to my credit limit. They closed my account without any notice to me, not even just one quick call or one letter! I complained to them and they told me that they already sent out information on July 14, but I never got it. I kept thinking about if I did a late fee or over-used the card but I didn't. I even use automatic draft to pay that balance, so it can never be late. I don't know why Chase closed my account and screwed my credit. Does anyone know how we can deal with this situation and how this affected our credit score? I hate Chase!

I called Chase today to activate the new card that they sent me. They told me that my account was closed. I asked why and they told me it was due to something that was reported by Experian. I too was granted my card my WAMU. I had an 11.99% interest. Last month, I received notice that Chase was raising it to 16% (this did include all old purchases). I immediately called to complain, they informed me that they would "look into it". When I told the representative that they had already raised my rates and now they are closing my account for no reason, he told me that people were advised that they had a month to dispute the interest rate hike. I told him I did and lo and behold, they had no record of that.

Like so many others, I had a WaMu credit card since June 2007; and on 7-21-09, I got one of the generic letters canceling my credit card. In July, I made a $500.00 payment, and nothing on my credit report has changed since I got the card. I've never missed a payment and have always paid more than the minimum payment. These are horrible business practices. If there is a class action suit, I'm more than happy to get on board.

I'm absolutely 100% disgusted with JP Morgan Chase! I have 2 accounts that I started with WaMu many yrs ago and have never missed a lick with them. As we all know, they were gobbled up by Chase and as soon as the accounts were transferred to Chase, all the fun started! First the rates shot up to the moon. Second all the nice benefits went away (e.g. the free credit scores). Finally, they close both accounts with no warning at all! I'm telling you, America, we have got to stand up to these **. The way I found out was last night, I checked my balance on one of the cards online and saw a charge that I didn't recognize. I called in and spoke to the usual overseas account rep and was informed my account was closed.

I received a letter on the 21st of July 2009 telling me that they have decided to close my credit card account after careful consideration. A month ago, I received a letter stating that my APR will increase and if I refuse to pay the difference, they will close my account. I never responded to the letter and I accepted the increase in APR, just to receive a letter a month later stating that they decided to close the account anyway. I have been with WaMu for years. I have never been late and paid more than the minimum amount and they say that I am a high risk to their company. I really don't get it. What do they consider a good standing customer to be? Sending a red flag to the credit bureau saying that I am high risk is only going to damage my credit rating while I'm trying to keep it in great standing.

I was ordering something online today and my credit card was declined. I contacted Chase Bank and they said my card was revoked. I have been a customer since 2005 and my credit has improved since WaMu issued my card and not the other way around. I have never been late on one payment with anything since 2004 and especially not this card. Now that I have finally paid off my card in full two months ago, I feel that I have been punished and they closed the account or the fact that I am an old WaMu customer. Never once have I been late and I have always paid over the minimum due. They claim it's due to my credit report and so I spent all day reviewing all 3 credit reporting agencies only to find that my credit has improved since opening and no defaults. I have wasted my whole day only to find out that they have done this to many WaMu customers. I will never do business of any kind with Chase again, especially when a friend of mine is an original Chase customer with horrible credit, high balance and poor payment history but yet his card has not been revoked. I feel discriminated against due to paying my card off and being a WaMu customer!

I had one credit card through Providian (which was purchased by Washington Mutual) and another card by Washington Mutual (which was purchased by Chase). Earlier this year, I received two separate letter explaining the merging of Washington Mutual and Chase and if my credit continued to meet Chase's criteria, I would receive cards with Chase branding and new expiration dates.

As with the hundreds of other Chase Bank complaints, I just found out my credit card was cancelled. I tried to charge $25 to the card and it was denied. When I called Chase, they said it was due to my credit report. Sounds familiar? My account was still showing active on their website and their voice response system said credit was available. They stated they had sent me a letter, but as of today I have never received one. I had never been late paying my bill. When is the American public going to wake up and organize against this Mafia?!

I had my WaMu card for one year and Chase closed the account for no reason and hurt my credit. When I called, they just didn't care and they told me to check my credit. Well, I checked my credit and it was the same. So, I don't get it. I'm never doing business with this company again in my life.

I just received a letter dated July 15 that says Chase is closing my account due to high balances and low available credit. This was a WaMu account. I've had it for over three years. I was never late and I always paid over minimum. I have a 725 credit score! I called and was told to send my Experian credit report for them to review. But basically, this was a business decision, and the account would be reported to the credit agencies at the end of the month as "closed by issuer." Chase could not tell me how the report would be reviewed, how long it would take, and when I would hear if they reversed this terrible decision. I said you have only made money off me! Why would you screw my credit score?

I was never late on any credit cards. I was a WaMu customer. Chase lowered my credit limit from $3,000 to $1,500 without a notice. If I did not check my online banking, I would have overcharged my Chase credit card. I will close this Chase credit card. I think somebody who knows more about laws should do something about this. It's unfair and I feel discriminated. I hate Chase.

Chase credit card unfairly raised my interest rate as many others have noted. But for all who are interested, there is a class action lawsuit against Chase regarding this very matter. Since the lawsuit, Chase has dropped its $10 fee but has done nothing regarding minimum payments.

I contacted Chase regarding short selling my house. They would not speak to me for 3 months. Today, I have an offer for the home (a miracle in these times). I tried to submit it, but Chase will not accept it until they make me jump through more hoops. They want me to produce a HUD-1 sample for them using the payoff, but they will not provide me with a pay off further out than 5 days from today's date. As a result of this situation, I will probably be losing the offer to purchase.

I, too, received a letter from Chase telling me they have decided to close my credit card account (formerly a WaMu account). After reading many of the complaints here, it seems very obvious to me that Chase is closing out all former WaMu accounts. Like many others here, this will adversely affect my finances. Didn't Chase take around $25 billion from us in bail-out money? I thought they were supposed to be helping us. Something is wrong here.

Well, I guess we all have something in common. I am appalled with their actions and can't believe this is the treatment we get for being Chase customers. I just found out this morning, after an online transaction wouldn't go through. I called, and they seemed to have their lines memorized due to all of our calls and concerns. I don't have a letter; I don't have a packet that indicates that they have the right to shut off our accounts without our knowledge.

Like so many others, I was on vacation when I learned that my Chase credit card was declined. It was a rather embarrassing situation, and no advance notice was given by Chase. This was my primary credit card, and I was also formerly a WaMu customer and a Providian customer before WaMu. Earlier in the year, the interest rate on the card doubled to 29.99%. I have good credit, and I have always paid on time and paid more than the minimum. In fact, the day the card was declined, a $1000 pre-scheduled payment posted to the account.

Last year, I received a notice that Chase was going to double my interest rate. I would go from a fixed 8.99% to an APR that would amount to over 17%. I declined the new terms and had them close my account. I was surprised when I received another notice in May that once again, they were going to change the terms on my account - the same terms that I had previously denied and closed my account on. I called customer service (who was actually very nice) and verified that yes, they could raise the rates on a closed account.

Chase is lying! They are telling everyone their decision to dump all the former Wamu/Providian customers is because of a credit check with Experian. I looked at my report today. There is no notation anywhere that Chase has ever looked at my report. No derogatory info in file, all accounts in good standing. Same story as everyone else. My balance was about 1/3 of credit limit, I made triple payments every month on time, never late, went to use the card on 7/18, and was declined. Account closed. No legitimate reason. I have not received a letter.

My experience is the same as everyone here. My credit cards were Providian/WaMu, given to Chase. Perfect Credit for 7+ years, not any late payments. Yes, I have many credit cards that carry balances, a few of zero balance, a few with high balance and a few with 50% balances, but always make payments on time. Now Chase closes both of my cards with the same verbiage as everyone else - too many accounts. How do we file a class action lawsuit? I don't care about my cards being closed, but I do care about my credit now being affected since part of a credit score is "length of active accounts" and I'm sure my FICO will take a hit now, that some of my oldest accounts are now closed because of what Chase did.

My Chase credit card was cancelled without notice because I was determined to be a high risk customer. I was a former WaMu card holder and I was not a high risk customer when I was issued the card in in July 2007. I was not considered a high risk customer when I faithfully paid twice the minimum payment during the past 12 months. I am recovering from a bankruptcy in 2005 and was well on my way to re-establishing the stellar rating that I had before a bad divorce and a subsequent foreclosure. Things happen to people. I am not the poster child for debt. I am not a deadbeat and I have taken great pains to rebuild my credit. But thanks to the decision made by Chase (which was based on nothing), my credit is now back to square one. I am furious that this mega corporation is not only getting rich on the backs of its victims, but is also ruining the reputations of so many people who are honoring their obligations to pay their bills on time. It is a sad day when a person is penalized and insulted for doing the right thing. Shame on Chase.

Let me start by saying that when I was with Washington Mutual, the service was much better than this. The customer service representatives that I spoke to were very impolite and apathetic. However, my complaint is that in April 2009, I lost track of the date and forgot to make the payment of $15.00 on the 15th of May when it was actually due. However, when I realized that the payment was not made, I quickly went online and attempted to make the payment but I could only do it for the next business day, which would have been the 18th of May. I proceeded to make the payment of $20.00. By the time I looked at my statement again, it was over the limit because $30.00 was added for late fees in May because of the late payment for April. I again made a payment of $56.00 to get my account back under the limit.

Chase sent me a letter to inform me they were closing my Wamu credit card account. For 2 years, I have paid on time more than they ask for and kept the amount owed less than $300 on a $1200 credit limit. My account was closed 5 days earlier. I called the number and was told too bad. I guess it doesn't pay to do the right thing anymore.

I had one card with Chase and two with WaMu. Of course, we all know WaMu went under and Chase bought them out. A few months after the switch, Chase sent me a letter stating they were going to raise our 8.99% to 13.24%. I was already trying to pay off our debt and didn't want to pay anymore to the company than need be, so I decided to close the account myself. Later, I went to use my WaMu card for gas and was declined. I had a $7,000 credit limit, why on earth was I declined? I called the number and they told me my account was closed on the 7th of July and I should receive a letter shortly. I was mortified. My husband also had his card closed.

I, like other Chase Visa card holders, found out abruptly that my card has been cancelled. They said they sent a letter over a week ago and I have not received it as of yet. I always paid my card off in full every month. I never left an outstanding balance. Also, customer service said the same thing about a credit agency report on me. I was also a customer of WaMu. Then Chase took over and totally disgusted me with their business practices. I had no problems with WaMu. I also lost my $2000-plus rewards that I had because of them closing my account.

I received a notice yesterday (7/20) that my account was closed. I never missed a payment and always paid more than the minimum. I used the card at least twice a month. The card was originally with Providian. They were bought by Washington Mutual, and Chase bought them earlier this year. They have a ridiculous 28% interest rate they are charging me on $7500.00

Just like many others, I got a letter dated 7/15/09 saying that due to my credit and number of other credit cards, that my Chase/Wamu card was being closed. Two billing cycles earlier, I was given the option of not having to make any payments due to my history. I made $200 payment both times anyways which is more than the minimum payment. So it is strange that now, they decide to have my account closed with the APR locked at 31.99%. I called to see if it could be lowered and the customer service representative said no. I asked to speak to a supervisor and she said no.

I had an account originally with WaMu. Chase cancelled my credit card without notification. They said it was due to my credit. I have paid my credit card payments on time, either the minimum or greater; or I have paid my balance in full for two years. I went to use my card at the store and was declined. This was very embarrassing. When I called Chase, they were not helpful whatsoever. I pretty much just keep getting the runaround with them. I have also requested a reduction in the interest rate that they've so kindly raised to 24.24% with no response.

Like so many other complaints filed in the last few days, I had an account for one year with Wamu which Chase took over recently. It was a 0% interest for 1 year balance transfer offer which just expired in June 2009. I got a letter from Chase yesterday saying they had "carefully considered" and then closed my account due to "too high of balances" and other baloney. Of course, my current limit is the same as when I got the account originally, and, my credit score is much better now - go figure!

My credit card (possible identity theft) was stolen by someone that I was acquainted with due to the company they were representing. Apparently, this individual (Johnnie **) was able to obtain a credit card from Chase tied to my account. The credit card itself was not in use for months after I decided that the interest rate was high. He was able to get cash advances, purchases, etc. without me knowing and without Chase calling to verify the huge amount of spending. The spending that was going on was unlike my true and previous purchases since receiving the card back in 2006. I wasn't aware of anything until I attempted to utilize the card (while traveling) and it was denied. I called customer service thinking it was nothing major other than I haven't used it within months. Lo and behold, the initial representative stated that provided a different story.

I have had my credit card for over 3 years and started it with WaMu, and I have never missed a payment or been late ever. It was 9.9% APR. When Chase purchased WaMu it shot up to 18.24%. Then in just a few shot months, it hit 18.29%. I have a regular payment taken out of it once a month for a service. One day in doing my accounting, I noticed that the payment was not showing up on my card. I called the service, and they told me it was declined. Well, I had gotten a new card only last month, and I thought maybe I had not activated it or maybe the service had not received the updated info. I had the young lady run it again, and it's still declined.

I was a WaMu customer for several years (I think about 7 or more years). I had 2 credit card accounts. Payments were never late and always more than double the minimum payment. Then last year in December or so, I noticed that my interest went from 7% to about 29%. When I inquired, I was told it's based on my credit report. Still, it didn't make sense, because there were no lates or collections on any other account. So, I transferred the balances to my Credit Union card. The cards had no balance, until I charged our airline tickets a few weeks ago. I was paying off the balance before the due date. But I tried to reserve a rental car and was denied, because the card was, which I later found out after calling, "closed. "

I have been a card-carrying member of Washington Mutual for a few years and I would like to state for the record: I never had any problems whatsoever with WaMu. They were respectable, helpful, and last but not least, not worrisome or harassing.

I had a Circuit City card through Chase, a WaMu CC, and three Chase cards. That now makes 5 Chase cards with a combined credit limit of nearly $15,000. As of about a week ago, they lowered my limit on 4 cards without explanation to about half of what it was previously. I then asked to consolidate all 5 accounts (common when you have multiple accounts with a single bank) into 2 accounts when I pay the balance off and they said no. I thought Cap One was bad. Chase is bad. They're all crooks. It's time to let the banks rot and move our money to Credit Unions.

I had 2 credit cards with WaMu that I always paid on time. After Chase acquired WaMu, they immediately raised my interest rate, so I paid them both off. I didn't want to close them as that would hurt my credit score. I received a letter stating they had closed one for me based, they said, on some Experian report. I hope they get what they deserve.

Like the dozens or hundreds of other postings this week, I received notice that my account had been closed. My hubby tells me Chase is dumping as many credit card accounts as they can before Congress enacts legislation which will keep them (and other predatory creditors) in check. Mind you, I'm not all that upset about the loss of use of the card as I also recently had a rate hike - from 4% to 23% - but it kind of puts us in a bad spot! I never once paid late, always paid more than the minimum (sometimes 10x the minimum) and I've been a good customer to WaMu/Chase. With this closure, my family now has very limited credit available (one remaining credit card). Should an emergency arise or should the other bank follow suit and close that as well, we will be in serious trouble.

I filed a complaint with the Federal Reserve and my state senator, who sits on the Senate banking committee. I received a letter from Chase in the mail which stated that they are closing my account due to high balances on my credit cards. Apparently, I'm not the only one they are doing this to, as a simple search on the internet shows that they are singling out former WaMu customers. The form letter they sent actually says "WaMuClosure1" on it as well.

WaMu offered a credit card which would allow us free and constant access to our credit scores. So, I was watching my score go up for the past two years every time I made my car payment and credit card payment. For the past two years, I have been one month ahead in my car payment and I pay my credit card down to $0 every two weeks. Just as I inched close to 700, Chase took over and cancelled our ability to see our credit scores. Last week, on my birthday, my Chase/WaMu card was declined. I called Chase and now I know why the customer rep was so snippy because hundreds of other people were also calling about the same thing! They would not give me a concrete reason for cancelling my card. She said Chase sent me a letter but they did not. She told me to check Experian. I used my free annual Experian check to find out that there all my credit activity for the past four years was positive. We need a class action lawsuit!

I attempted to use my Chase credit card on July 14th at Lowe's only to have it declined. Odd, because I checked my balances the night before and was using the card that I had recently paid off in full. I called Chase and was told that they closed my account, along with my other 10+ year history account, based on my credit report. Never mind that after acquiring my account from WaMu, they balance chased me one month and then the next month raised my APR because I was using too much of my available credit, and now have raised the rate to 31.99% and closed the card. Unbelievable. And the number they gave to contact for complaints is to Experian, not even Chase.

I received a one-page letter stating after Chase used careful consideration, because they did not like fact I have other cards. My card use to be WaMu, and I never was late. I have excellent credit with them. And of course, we all know Chase took over WaMu. The government and attorney-generals in all states need to bring legal pressure on Chase for their bias and discriminatory practices.

I have had a credit card that I have paid faithfully on for a year. I got a letter from them saying they were closing my account, due to the economy and my high risk. They gave me the credit card with my credit score lower than it was now. I have paid more than the minimum payment. They raised my payments and closed my account. I am trying desperately to improve my credit. I want to know if closing my account will go against my credit, even though I was not at fault.

I have a no-interest deferred credit promotion good until 12/15/2011. I was 2 days late on a payment of $25.00. I was charged a late fee of $35.00. They would not take this charge off. I have another account with Chase. I am closing them both.

I have been working very hard to pay down or off my credit card debt on my own and do the right thing. I am paying well over the limits on all my account and on time. I was so excited when I paid off Chase, (I have had this account since it was Providan, if that tells you how long I had this account) only to get a letter telling me they where closing the account I just paid off. That made no sense to me. If I had not paid it off, would they have continued to let me use it? I also just paid off my other account with them this month and now am waiting for a letter on that account telling me they are closing it also. They had already reduced my limit several times and raised my interest also. I have a middle credit score and as I said before, make over the minimum payments on all my accounts and balances are going down slowly.

On July 21, 2009, I tried to use my Chase (formerly WaMu) credit card to pay for my dog's knee surgery. The technician swiped my card, and it was declined. I was mortified. How was this card declined, if I have about $7,000 available credit? I called the 800 number on the back of the card, and the rep who was less than helpful tried to tell me that they received a copy of my credit report and that my score wasn't high enough, etc. I have a 775 credit score! What is going on?

Shame on you for canceling our cards without prior notice, but we expected no more from an impersonal, despicable big banks takeover of our nice, small town-type bank we found in Washington Mutual. We've been expecting and waiting for something like this low-life action. And as to the lack of notice, what if we had been in a position to need the card yesterday?! I found out by trying to set up a computer software trial when the card wouldn't go through. And as if you cared, what if we were traveling, depending on this card for food, hotel and other services? What's next, our checking accounts? In spite of our good management, it wouldn't surprise us at all. I doubt any of you bank monsters have any concerns for individuals, so we'll manage without your stinking credit cards.

First of all, I was a WaMu customer before Chase took over WaMu. I always made my payments on time and always paid over and above what was due for the month. Chase doubled my interest rate; then I received my next bill in the mail advising that I can skip a month’s payment. Wow, what a deal. We will double your interest rate and then you don’t have to pay for one month. After they doubled my interest rate, I called them and asked them why they would double my interest rate being that I was a good customer. Of course, I did not get a straight answer from anybody. I advised Chase to make a note on my account that I would not use this card again and I did not use the card again. A couple of months later, I received another letter stating they were going up on my interest rate again from 22% to 25%. This is after they had already doubled my interest rate a couple of months prior.

First, Chase took the interest rate on my credit card I had through WaMu from 12% to 29.99%. I called and asked why and Chase told me it was due to a bad credit rating. They told me to contact Experian. Then, while I am trying to get answers for this, Chase doubled the minimum monthly payment required. So I go to the bank and draw out a large amount to pay off almost all of the card balance. I just received a letter stating that because of, and I quote, "too few accounts paid as agreed compared to total accounts," they are cutting my credit limit from $3000 to $1400. I called the number on the letter and the lady was rude and told me that I needed to straighten out my affairs with Experian. When is our government going to wake up and deal with these banks that take tax payer money and then treat the tax payers like this? I use the card for work to buy airline tickets and other expenses. This will limit my ability to do my job.

I discovered after my credit card was denied, that my credit card account with Chase was closed due to "careful consideration". Apparently, Chase didn't "carefully consider" my consistent and timely payment history when they made this outrageous decision. Chase is clearly using discriminatory practices and I’m also filing complaints with the Office of the Comptroller of the Currency, the Federal Trade Commission Bureau of Consumer Protection, the State Attorney General's Office, my local congressman, and the Better Business Bureau.

Like so many others, I had a WAMU credit card and on 7-21-09, I got one of the generic letters canceling my credit card. In June, I made a $500.00 payment and nothing on my credit report has changed since I got the card. My mother just got the same letter and her account was closed.

I have had the same experience as the hundreds of other writers on this site. I had two cards with Chase which were both cancelled without notice. I was never late on payment, often paid more than the minimum and used the cards frequently. I did everything that you are supposed to do with a credit card. As far as me being a risk, last year I was given a mortgage by Bank of America and a car loan by Nissan. Would you give loans like that to a risk? I believe an investigation is necessary into the practices of this company, especially when you consider that lawsuits have already been filed in regards to some of their practices.

Like others before me, I am now going to close all my Chase accounts, move all my money elsewhere and boycott them. I was a WAMU customer and now, Chase. I have been 100% perfect with my credit card account, never running a balance of more than a few hundred dollars and always paying more than the minimum or the full balance every month. My credit limit was $8,500. My FICO was 750! I just received a letter from Chase on July 17 stating they are lowering my credit line to $2,300 (from $8,500!) simply because they are claiming that I have other accounts with high balances (accounts with other banks!).

I received a notice that the minimum payment on my account would be raised from 2% to 5% and changing the terms to allow them to close my account due to inactivity. I wrote back via certified mail to inform Chase that I rejected these changes in terms and instructed them to close my account. I received a letter stating that my account has been closed followed by an unsigned letter from Jane **, Financial Service Adviser, informing me that the notice I received did not give me the option to stop these changes from occurring. Tomorrow, I will send a letter to Jane ** at Chase via certified mail to inform her and Chase that they cannot unilaterally change terms of a contract against my express objection and to do so would be a breach of contract.

Like everyone else here, I had 2 WaMu cards that never had a late payment; and I always paid more than the minimum payment. When Chase took over, they jacked the rate from 9% to 28%; and then the following month, they closed both accounts. I want to know if this is FACTA-compliant. Did this have a negative impact on my credit score? How can they double my rate and then close my account so they can collect 28% on the closed account instead of 9%?

I had a WaMu account for 2 years. I faithfully paid my account (may have missed 2 payments in 2 years by only a few days but promptly made the payment), always paid more than due, and recently set up automatic payments because the due dates kept changing. I primarily use this account for business travel and tuition reimbursement, and was out of town on business last week when my card was declined. When I called Chase, the customer service rep was rude and said my account was closed based on info on my Experian Credit report. I asked if they considered my payment history with WaMu and was told they did not take that into consideration. I immediately pulled a credit report and there wasn't anything on my report other than a Chapter 13 BK that is scheduled to roll off in December. Since my BK, I have worked very hard to rebuild my credit. My credit report reveals this.

I received a letter in the mail from Chase stating that my credit card was being closed per the bank's request without my authorization. I have made continuous payments on time and more than the minimum payment required. This decision was made after they raised my interest rate from 8% to 29.99% during the bank transition from WaMu to Chase. As a result, my credit rating will be significantly impacted by this matter, and by a decision that was made without warning, and without my consent. I am utterly outraged by Chase's actions.

On July 20, I used my Chase credit card to pay a doctor visit co-payment, and the card was declined! I contacted Chase after my doctor's appointment, spoke to a person named Jay, and was told that my account was closed on July 16. I asked Jay why my account was closed, and he said that a letter was sent to inform me of the account closure. Jay mentioned that my balance was too high and that the bank felt I was too much of a credit risk. I was only late on one payment and have managed to make most of my payments on time! I also pay more than the minimum.

Chase closed my credit card account on July 7, 2009 without notification till I called to ask why a transaction would not go through on July 17. I checked Experian, and there was nothing bad on my credit report. I pay on time. I've been with Providian then WaMu. What is the common link with these closed accounts? Do they not want people who pay their bills on time? Does Chase not want WaMu's customers? How many of these customers have low income? on social security? We have done without to pay our bills on time to keep a good credit score. Now, Chase can just squash us at their will, like we are worthless. I would like to be a part of a class action suit against Chase to show them they can't take advantage of us, the small people.

Two WaMu accounts closed for no reason and on my other Chase card, I just paid it almost off and they reduced my credit limit. I have to see a statement as to why. I have consulted legal counsel and I am thinking of suing them. I guess they think they can screw people and not care. Well, I did find out that I can start with the operator and go all the way up to the CFO and sue them and they have to come to me to answer why. I think after that I will sue each of them in civil court as well, their nickel so I guess if I can cause them some discomfort until they want to rectify the situation, that's fine with me as well.

I, too, like many others on this blog had a card from (WaMu) now Chase. After returning home Sunday and opening my mail, I noticed that Chase had canceled my account. The letter stated that: 1.Total available credit on bankcards is too low; 2.The number of bankcards opened has grown too fast; 3. Average length of time since bankcards opening is too short. At that point, I became very angry. I called Chase and was transferred to India (standard business practice today) and try to find out what was going on. All they could do was to read the darn script, telling me to call the credit reporting agency. After constantly talking to a brick wall, I decided to call today, hoping to get someone to answer in the states. As for me getting any better service today, well, that did not happen. I even tried to tell the person, "Do they know what they are doing to my credit rating?" Her response was, "We took that into consideration but we cannot reopen the card."

I am a former WaMu customer who has been moved to Chase through the takeover. I have never dealt with Chase previous to this, but have heard negative comments about them from others. I decided to go along with Chase after WaMu, because I thought that they had to keep the same interest rates, credit limits, etc. that I had agreed to with WaMu. I realized that this is not the case when I received a letter on Saturday, July 18th dated for July 16th, from Chase stating that my $2,000 limit credit card had been closed due missed payments, not paying the minimal or having too high of a balance.

Being a Washington Mutual customer for many years, after Chase took over, they closed out our credit card account for no apparent reason. They failed to notify us within a timely manner. Every time we try to call, the employees and supervisors hang up on us. We have never had any late payments, always make more than the minimum payment, have had the card paid off several times, and no delinquent credit.

I am a long time double credit card holder. They advertised new purchase at 7.9% and then raised it without notice to 12%. I called them over three times to verify rate was for life of loan, and they said it was. I just called their customer service supervisor and they said they would not lower the rate to the promised rate. Please help. Thanks.

After years of perfect payment history, this company has revoked my line of credit with no prior notification. Their action will undoubtedly negatively reflect on my credit score. I see that there have been many other people posting with the same problem. A week after they supposedly sent a letter, when you access the account online, it does not reflect any closing. However, the card was denied when used. With the huge bailouts these companies are getting, the middle man is being taken to the cleaners via negative credit scores based on Chase's account closing practices. They just sent me a new card a week ago. Surely, there is some way a customer can deter the downfall of a lifetime working on one’s credit score from one misguided company.

Chase Bank recently changed my APR from 8.99% fixed for the life of the loan to 13.x variable. As the opt-out paperwork states, I wrote in and had the account closed in 2007. This meant that I could no longer charge anything new to the account and I kept the 8.99% rate. What I did not bargain on is that I need to keep this process up. The rate is never truly fixed. You have to always answer those stupid opt-out mailings, which are (purposely) a nuisance to deal with. I can do everything else with my account online, but I can't simply opt out? Also, why do we have to monitor this stuff? It should be required to be opt-in. In other words, go ahead and prevent new charges to my account and don't change the rate unless I expressly agree to it. This is a predatory business practice and Chase has to be the worst about it.

Chase Credit card sent my husband and I letters in the mail that basically stated they closed our credit card accounts. They were previously from WaMu and we were never late and always paid more than the minimum every month. We also have both our cars with Chase. (But they are unable to take away our interest rate with them.) Recently, our interest rates were jacked up from 8.99% up to 29.99% interest on my card and from 0% up to 18.24% on my husband’s card.

I cannot believe that they closed my account for no explanation. I went to a fishing trip with my friends on Saturday and I booked it with my credit card. What happened was when I tried to pay $565, it said declined. But I could not figure out why, and the fishing company obviously did not accept any check. I found an ATM and withdrew money from my checking account, so I paid for the trip cost. When I called Chase today, they said your credit card is closed. I cannot believe that they did this to me. I never paid $1 interest to Chase (WaMu) in the last 2 years. This is just ridiculous. We have to boycott or do something to this company.

First, my credit card was closed without any notification. I knew this prior by my weekly maintenance. It took them approximately 13 days to send the official form, dated on the 15h, eight days after they closed it, for reasons pertaining to low available credit, average length, and supposedly based on the Experian report (which I do know quite well). Since there was no obvious reason for closing the credit card nor could the advisor or the supervisor explain any such reason other than the reasons listed on the mail, and the fact this is happening to others who have reported nearly the same thing, either the CA DA's office needs to open an investigation or we need to move into a class action.

I had a credit card with Washington Mutual, which was taken over by Chase. I've always paid on this card and most of the time (after each monthly payment) had 75% of credit available. I was never late, and never exceeded the limit. I went to Sea World yesterday and took my card, which had plenty of funds available and my tickets were declined. I insisted that couldn't be and the cashier ran it again and sure enough, when I called, Chase informed me that they had closed my account. They said that I cannot reopen it and they recently reviewed my credit report and decided to cancel my account. They stated I needed to contact Experian with any additional questions. I checked on this and there were no fraudulent charges. I don't get why they did that! To top it all off, they said they cancelled my account on July 14th, and sent me a letter the same day. I asked why I couldn't get a notice, even an email and he couldn't give me an answer. Now, I am being penalized for automatic payments with that credit card on file.

I have been a Chase customer for over 10 years. I have never once been late with a payment. I received a letter stating that my credit limit on my card was being reduced so I called them to inquire why. The lady I spoke with was extremely rude and could not care less about giving me a legitimate explanation. She simply wanted to argue. Today, I received a letter stating that my account had been closed at my request. I called them back again and stated that I never closed my account and that they needed to provide me with proof showing that I asked my account to be closed.

I have two Chase (originally WAMU cards) credit cards. I have been very responsible with them. I had declared bankruptcy 4 years ago and didn't want to get into trouble again. So WAMU offered me a card with a decent limit. I banked with them, so I figured I would start rebuilding my credit. I have had one of the cards for 22 months and they offered me a second one 11 months ago. I always paid more than the minimum payment. The payment was usually $10. I have paid them 5 to 10 times that amount so I wouldn't have a high balance. Both cards have $1,500 limits. One card has a balance of $397 and the other card has a balance of $377.

I received a letter from Chase stating that they were closing one of my three (originally WaMu credit card) Chase cards. They said the balance to available credit was too high. I know the balance was high, that's why I stopped using it. I haven't used the card in five months. I've just been making payments. Now, I have called them and see if they are going to be closing my other formally WaMu card and my original Chase card. Those two cards have about 50% available credit on both of them. We'll see.

I always made full payments on my credit card on time, and I have proof of the transactions. But this month for some reason, Chase Bank failed to credit my account in timely manners. As a result, Chase bank charged my account $15 for late fee and another $1 for finance charge. I asked them politely to remove the late charge and the finance charge, but they refused to do so. I have a great credit and was never late with my payments, ever. I am closing out my credit card with Chase and take my business somewhere else. I never had any problem with WaMu until Chase took over. The service at Chase is sure lousy.

I had a decline on my WaMu (now Chase) CC, like others. I went online to view my account and everything appeared okay. My account was closed and letter was sent July 14, etc., etc. I had never been late, paid more than minimum. This is an unfair attack on customers who were following all the rules. How can they do this?

I originally had a credit with Washington Mutual (WaMu), which was taken over by Chase. I have never gone over my limit, never been late and have always paid well over the minimum payment each month and yet, Chase sees it fit to treat good customers very badly. First, about 6 months, the interest rate was more than doubled with no notice! Chase claimed they sent a letter, but I never received one. This weekend, I received a letter from Chase that based on my credit report (which has a lot of errors on it), they are closing my account. When I called this morning and asked why the closure, I was informed that they now consider me a risk? I asked how someone who has never gone over the limit, never paid late and always paid more than the minimum can be considered a risk. The response was because "you have other credit cards, blah, blah, blah".

I, like so many others, had a WaMu account that was taken over by Chase. I'd had the account for approximately 2-3 years. I have never been late or missed a payment. In fact, I usually make my payments early and try to pay more than the minimum due. I received a letter on Saturday stating that my account had been closed. When I called, a customer service rep told me that the dept. that closes the accounts was not open on the weekends, and to call back on Monday. I called back today and spoke with another service rep that told me they could not transfer my call. I would have to contact Experian and file a complaint with them. After speaking with a manager, I finally was able to get an address so that I could write a letter regarding the matter. This is ridiculous. It seems like WaMu customers are being targeted for account closures. My husband also has two Chase accounts. One was a WaMu, and the other a Circuit City visa. They raised the interest on the one that was WaMu to over 25%. Now, we're waiting to see if they close his as well. This will unfortunately hurt my credit score. My husband and I were hoping to purchase a home in about a year or so, after paying down some bills. Now with this, I feel that it could set us back some.

Never had a late payment before except 2 years ago when wife was in the hospital and couldn't make payment on time, it was 5 days late. WaMu excused and reversed. Last month, my wife missed the payment by one day because of ever changing due days. I paid the late fee and this month I got the bill. My interest rate went from 8.99 to 27.24%. I called, got attitude from customer service. She even brought up that I had a payment late two years ago and was rude. I said my wife was severely ill and it was reversed and forgotten. She said, "No, we did that as a courtesy and it was still reported to the credit bureau as a late payment." She said, "Call back in 6 months and you can see if you can get it lowered."

Just as the others on this website, Chase has cancelled my card with no balance. The letter states that I had a high balance on my other cards and one or more cards was over the limit which both are untrue because I paid off all my balances 2 months ago. I have never had late payments or over the limits. We are in the process of buying a house so I have pulled many credit reports (717 credit score) and know exactly what is on there. I was okay with the increase in the interest rate when they took over WaMu because I rarely carry much of a balance. We have been with Chase for years when they took over Bank One, and plan to talk to someone locally to see if anything can be done. Do we have any rights? Is there anything we can do?

I am also a former WAMU customer whose interest rate was raised first - okay, I took that. Then they reduced my limit - okay, I took that. Now as with many of these other people, they have decided to close my account for having done nothing wrong to them. We don't need to ruin our credit ourselves, the credit card companies will do it for us! I also have had an AT&T Universal Card for over 15 years and have always paid them. They also raised my interest rate to almost 30% and in order to continue to pay it off at a decent rate, I had to decide to close it. Needless to say, I am losing a lot of available credit and by December, my credit will be in the toilet. I was trying to raise my score a few more points to buy a house like the president wants us to, so much for that bright idea!

I received a letter stating my interest rate was going up substantially. I called to question this without any resolution. I then asked that my credit card be cancelled. That must have made them happy as they did not try to change my mind. Five days later, I received a letter that my card had been cancelled by Chase, not myself. It would appear another class action lawsuit needs to be prepared.

I had a WAMU MasterCard for 4 years, which was taken over by Chase. I have never had a late payment and have never gone over my limit. Yesterday, I tried to use the card and it was declined. When I called the number on the back of the card, I was told my account had been cancelled. Apparently, Chase, which has just announced a huge profit for the last quarter, is feeling its oats and is beating up on its formerly WAMU customers. I will be closing my other accounts at Chase at the earliest opportunity. Since this affects my credit rating and since I'm not the only one this has happened to, a class action suit would seem to be in order.

Last summer, I ran up my WaMu credit card to near the limit of $7,500 with trips to visit my mother who was dying of pancreatic cancer. This was four separate trips, one with my children, and ended up being quite expensive. I did make the minimum payments, however. After my WaMu card became Chase, I noticed that making the minimum payment was still causing the balance to increase despite my no longer using the card. I saw the interest rate had been increased by Chase from 14% to 29.95%! More than double! And this wasn't on future purchases, it was on the existing balance! How can this be legal? I used that card under the assumption that it was at a 14% interest rate! I can no longer make the minimum payments on a regular basis and was late with two payments, so they have reported me and even my car insurance premiums (American Family) have gone up now due to "people with lower credit scores get in more accidents!"

I see that I am not the only one that Chase has done this to. A few years back, we fell into financial problems - funny, just as the banks have. WaMu was willing to give us credit. So we always paid on time, well above the amount due, and even at times, paid off what we may have owed. WaMu kept track of our credit score and it kept going up. Then Chase took over, up until Saturday, July 18. I went to go and make a purchase and was told it was declined. I was totally caught off guard because I only had a small balance so I could not figure out why it was declined... until I called the bank and found out that they closed the account. To this day, I have not received a letter that the account was closed. They raised my interest rate about 6 months ago which I thought was unfair, but I thought, "Hey, some bad credit. That was the reason." I think what Chase has done to me and so many others is so uncalled for. For being a leading bank, they have poor ethics.

Like the other posts to this question, I had a decline on my WaMu (now Chase) credit card. Like others, WEB appeared okay. In fact, they had just upped my credit limit $1000 about three months ago. Both accounts, Visa and MC, were closed. Letter was sent on July 14 etc, etc. Like the other posters, I had never been late, paid more than minimum and my MC was my primary use for daily expense card. I had set up spreadsheets for 48-month amortization to pay all cards down to $0 (which I was keeping). I got a stateside service rep by calling the Chase UAL CC number. She could not help, (after a wait to check of several minutes) but did give a PO Box to write my concerns.

I got a letter on Saturday telling me my account had been closed on the 7th. I've never been late with payments or gone over my credit line. Apparently my credit score will be hurt by this closure. The action of Chase is outrageous and given that the President wants credit expansion, this is just unbelievable.

Wow, you have got to love Chase! I have four Chase Disney cards and two WaMu cards. I have paid $1,000.00 a month on my highest interest card that used to be WaMu. I'm trying to pay the highest card first and I get a letter stating that my card is being canceled. I had a $15,000.00 credit limit, owed $3,700.00 on the card, and never a late payment. Can someone help me stop these crooks? Thanks for your help.

My Chase credit card account (previously WaMu) was closed today. I believe that they are targeting previous Washington Mutual card holders. Everyone seems to be experiencing the same thing. They run a credit check (out of the blue) then find a simple excuse to cut you off. My score is above 700 and I have a zero outstanding balance. This is unfortunate and should be stopped. This is a targeted effort and we should all boycott this company altogether. If you have a checking or savings, or any other loan, close the account if possible. Apparently, our money isn't good enough for them.

I called last Friday, July 17th, to activate my new Chase card. I have been a customer of WaMu who was purchased by Chase since 2006. I have always kept my balance on the card low, except for the last month - a ran it a little higher than normal but still under the limit. When I called to activate my new card, I was told my account had been closed.

My credit card with WaMu was declined by Chase. In fact, I was using this credit card for 12 years, which I applied to Providian financials, then WaMu, and now Chase with same card account. I did not make any purchases and my due was zero balance. But all of a sudden, I got a letter from Chase that my account is being closed, which I built for 12 years. I called Chase but I received no proper response - they just referred me to Experian credit company. I am totally upset and disturbed for a 12-year old customer closing my account, denying to open it back, and referring me to Experian credit company to deal with as I have no active history for the past six months.

A few years back, I got a 3.99% "life of the balance" cash advance on my Chase card for about $7,500. I always paid on time and usually more than the minimum due. I have excellent credit. I travel a lot for work, so every few weeks, I call rather than wait for a bill and check all my balances, date due, etc. When I called Chase, I was advised that a letter had been sent to me stating that in order to keep my current guaranteed rate of 3.99%, I would have had to pay a higher minimum amount each month.

I had a card from WaMu and it was transferred to Chase. I purchased the insurance for disability and when I was disabled, it only paid one month instead of three. They used the excuse that I didn't send the appropriate forms and that is not so. All of the forms were properly submitted and signed by the physician as required. I was disabled from April 6, 2009 to June 8, 2009 and they refuse to pay anything more than one month (April). I now received a letter telling me that my account has been closed due to three reasons: available credit on cards is too low ($2,531.87) balance, average length of time card was opened is too short (previously WaMu), number of bankcards opened has grown too fast. None of this applies to me and I truly believe it is because I used the insurance. Also, I have called to find out why and they tell me to call the credit bureau. I do not use this card and have not used it. It was originally a transfer from Wamu. I already took the initiative to pay this account in full by transferring the amount to another card that I have and it should be paid within the next few days. The problem is that it was closed by the issuer and this looks bad on my credit. This is not fair by any means and someone needs to stop this nonsense asap.

Like most others, I had a WaMu credit card converted to Chase. No problems - paid more than the minimum every month, never late. I just got a letter that they had closed the account - the basic form letter stating that I had too high balances on other bank cards. Something has to be done about this pathetic system. These banks have the power to muck up your credit score at their whim. It is totally not fair to consumers who have paid their bills on time and have had no problems. How can this be legal?

I was in Target buying a few items for my friend's child's birthday when my former WaMu (now Chase) card was declined. I was mortified. I have never had a card transaction declined. I have never paid a late fee on this account and have been a customer since 1997. I immediately called the number on the back and spoke to a woman who was definitely reading from script. I was so mad when I found out they had cancelled my account. She told me it was cancelled because of my high balances on other accounts from a recent credit report.

I wrote out the check on July 1st, mailed, and other batch of checks that same day cleared on July 7th. I feel they held this one till the 12th and was due on the 10th, thereby, charging me a late charge and raising interest from 0 (special rate) to 20.24. They would only give me above address and I was talking to answering group in Canada and they would give me no address for their Chase regulator. I feel they are holding checks to up the rates. My rate expired on September 16 according to representative I spoke to when I paid my bill. I think this is an unethical business practice and I am sure I am not the first one this happened to. Other checks mailed on the same day all cleared on July 7th or earlier. I can send records I have if need be. Thanks for your consideration to this.

Like the approximately 660,000 other complaints by former WaMu now Chase credit cardholders, my story is the same. On Friday night (July 17), I had available credit, no payment due, never a late payment or over limit fee. On Saturday morning (July 18), I went to pay for a prescription, charge was denied. After doing other errands, I came home and immediately called Chase. Jojo said, "Sorry, call Experian," and that I would be receiving a letter of explanation (after the fact) as to why my account was closed, which, according to all the other "posts" I have read, I'll probably never receive. I owed Chase $575, not a huge amount in today's corporate culture of trillions, never had a late payment, or an "over limit" fee imposed.

I, too, was a WaMu customer. I had a Visa and Mastercard through WaMu. I would usually pay off the balance in full or over a short period of time. Only recently have I had an ongoing balance. I have never had a late/missed payment and usually paid more than the minimum requirement. Like many posters, I found my card declined while trying to make a purchase. No valid reason was given when I contacted Chase. I was talked to as if I was a deadbeat by several representatives. I even called the corporate office and spoke with the executive resolution department. The two representatives there were the only ones who spoke to me with genuine concern over the matter. The third person was a credit analyst who again treated me like a deadbeat and insisted I was a high risk even though the only two cards I owed on were the Chase accounts.

Chase cancelled my credit card. It looks to be happening to a lot of WaMu customers. Something has to be done.

On July 14th, I noticed online that my credit limit had almost been cut in half. Then I realized that I was over the limit and they were charging me an over the limit fee! I called Chase and asked what the problem was and all they did was read me a statement about "legitimate legal practices." I asked how they could just cut the credit limit in the middle of a billing cycle, not inform me, then charge an over the limit fee. Ridiculous!

I was a former Wamu credit card holder that got taken over by Chase. Last week, they went so far as to issue me a replacement card. When I called to activate the card, I was told it was closed. I spoke with an agent and he told me I would get a letter. I think not.

I recently went to use my Chase (formerly WaMu) card to make a purchase, and it was declined. I am well below the credit limit on the card, and always pay on time, and pay more than the minimum balance. I went online, and their website showed that my account was in good standing, with no messages in the inbox. When I called Chase, their rude customer service rep told me they determined I was a "credit risk" so they closed my account. There was no warning. I still haven't received a letter. They accepted my payment on July 13th, and closed the account on the 14th. So Chase has no problem taking government bailout money, but they do have a problem extending credit, which was supposedly what the bailout money was for. It sounds like July 14th was a bad day for many other Chase customers as well.

On July 19, 2009, I received a letter stating my account would be closed due to to many high balances and etc. I have not used this card in a year and have always paid over the minimum. When I was with WaMu, this was fine. Chase has now bumped up my APR from 21.99% to 31.99%. This is ridiculous. I have done nothing wrong and of course, they blame it on Experian, in which my credit score is also 678. Something must be done about this. These people are crooks!

I opened up a credit card with WaMu back a year or so ago to help rebuild my credit. I've always made my payments on time and paid above the minimum payment due. On Saturday, July 18th, 2009, I received a letter from Chase Bank stating that, "After careful consideration, we have decided to close the above-noted account for the following principal reason(s): -Too few accounts paid as agreed compared to total accounts, -One or more accounts have high balances compared to credit limits, -Too few open accounts with time on file greater than 24 month". "This decision was based in whole or in part on information provided by the consumer-reporting agency noted below": Experian (TRW). None of the above reason make any sense. I have an even better credit score since opening up my account with WaMu and I know this because I ran my credit on Experian's website.

I am like other people here. I had a WaMu card. I was never late on any payment. I kept my balance low. I had $1300 on a $2000 credit limit card and just made a $400 payment. I got an e-mail from Netflix stating that they had a problem with one of my credit cards. It was my Chase/WaMu card. I then was at Target buying $20 worth of stuff and the card was declined again. I went online and it showed the card as valid when I got home. I called customer service and that is when I learned that the card was cancelled. I told them that I had talked to one of their representatives 30 days before when I got a letter stating that my APR would change. I asked the person on the phone if the account was in danger of being closed because I did not trust them. They told me that there was no problem with the credit card but due to tough economic conditions they had to raise my interest rate. The rep assured me that the account would not be closed.

Credit card account closed for no reason! While on vacation with my family in Florida, I tried to use my formerly WaMu now Chase credit card to pay for a hotel room in Pensacola Beach, FL. The card had a $3,000 limit with over a $1,000 of it available. The lady at the Hilton advised me that the card had been declined. The payment has never been late nor over the limit. How embarrassing! I had used the card previously on the trip with no complaints. Luckily, I had another card to pay for the room! Concerned about the status of my card, I tried to use the card on the way home to pay for gas in Meridian, MS and the card was accepted, $32. Go figure! After getting home a couple days later, I tried to use the card again to get gas in my work truck at a local station where I had used it many times before and cashier says it was declined. I'm freaking out now again as I thought there may have been just a problem with the hotel.

Chase closed my account without notifying me it was doing so. I went to use my Chase Visa (formerly a WaMu Visa) and it was declined. I called Chase to find out the account was closed on 7/14/2009 and a notice was supposedly sent out the day they closed it. I have several recurring payments set up that were declined.

I paid off my balance plus their interest charge on time. Money was withdrawn from my bank account two days prior to the due date, but Chase keeps charging me interest and now, late fee. I called them but they said they have to charged like that. So even if I paid off whatever I owe, I will continuously receive bill, interest after interest, until the money can never be large then they can bill me. I am now under a bad credit score with them and I just feel this is a wrongful charge from Chase Credit Cards.

I carry a $9,000 balance on my credit card. The limit is $10,000. In June, I had a 10.24% interest rate and it was changed to 14.24%. This raises my payments and lowers the amount paid to principal. I can no longer afford some of the medications I was taking. $20-$30 is a big impact for me on a monthly basis.

In March I was laid off from my job and receive only $500 a month in unemployment. I have a credit card through Chase and one through WAMU that was recently taken over by Chase. I have never had a late payment and am in good standing on both cards. I called Chase to explain the situation, they responded by putting me on a payment plan that lowered my interest rate and closed the cards. I was told not to pay them until I received a bill that confirmed these new terms. Two months passed and my terms were never updated. I called to check on the situation and I was told that my payment plan was declined because I did not pay. I explained what I was told. They looked through my account notes and saw this was the case, apologized and put me back on the payment. I paid that day to activate it.

On May 29, 2009, I activated my credit card account of $10,400 limit. In June, I utilized a promotional check number ** with a 5% APR for one year in the amount of $10,000 to pay off a Citicard. When a statement had not yet been received by July 19, I went online to see the status. The account details indicated that I have an outstanding balance of $10,582.29 with an APR of 27.24%. I immediately contacted Chase, spoke with a representative who transferred me to the account supervisor, Ms. **. I asked how my account could possibly be so high, the APR so high and a charge of $300 for a transfer fee possible. I explained a statement was never received, etc. etc., and why I would possibly transfer that amount and not pay the first month knowing that the interest rate would rocket. Ms. ** said that she understands that I may not have received a statement but there was nothing she could do because I was still responsible for paying the bill. How can I pay a bill if I never received a bill?

Chase Bank is the most scandalous bank I've ever dealt with hands down. It's as if they want to screw you hard. I've had so many bad experiences with Chase that I can't even keep track. The most recent, they decided to close my credit card without telling me and raised it to 29.99%! I asked them why and they told me because I don't use it enough! **? I was so sick of Chase, I switched one of my mortgages over to Wachovia and it's been smooth sailing ever since. When it comes to bad business practices, Chase is the worst. They are not interested in a win/win situation. They are greedy, sneaky, and have a sordid approach to business; regardless, if it hurts long term customers. In the end, they will pay for it by losing customers.

I also had a WaMu card with Chase. I have 3 other accounts with Chase that are under the limit. On 2 of them, I used some promo checks they sent 3 years ago giving me 3 and 4% interest for "the life of the balance". I used it to open a business and have always made my payment. I have one other business account I use with Chase that I PIF every month to place orders, merchandise, etc. It never accumulates and I usually only use 25% of the credit.

My Platinum Visa credit card with Chase, which started as a WaMu card nearly a year ago, was suddenly declined a few days ago at a local gas station. The card had a $2,000 limit and they accepted payments as recently as the 14th of July, which I am informed is the same day they cancelled it! I called the number on back of the card when I got home, asking for an explanation which was, "The reason it was declined is because your account was cancelled on the 14th, and you will get a letter in about five days." That hasn't come yet but I suspect there will be no real explanation.

Well, I am the same as the rest. I just paid $6500 towards my card. Down over 60% percent from my limit. Never late. Credit score is 725. I went to get gas and the card was closed. Same ** as all the rest, when I called. People, the real problem is and what I see is a pattern. They knew earlier they were going to close these accounts, that is why recently they raised your interest rate, full well knowing they were going to close the account and trap you in a high interest rate, and possibly hurting your chance of getting another card due to the fact your credit report will show you have a credit account closed by the Chase. The result is you're stuck with them, paying this high rate.

I was so upset when Chase bought out WaMu. I had previously had a bad experience with Chase and didn't want to have anything to do with anything they represented. I wrote them a letter requesting they lower my interest rate so I get to pay my balance down quicker. They denied that. My credit card was stolen a few weeks back and they reissued me another one and had me turn in this form stating there was fraudulent activity. Okay, so I get my new card and try to use it and how embarrassed I felt when the card came up declined. I called Chase and they said my card was closed based on my credit report. Mind you, I was just approved for a mortgage loan so my credit was not bad at all. They said my balance was too high on the credit card and my other credit cards. I only have three credit cards including theirs. One is closed and the other I have over 85% available credit on it.

I recently had to charge some dental bills to my Chase credit card. I called to find out how much the monthly interest rate was. They told me 9%. I made monthly payments early, and I paid more than requested. Then for no reason, they raised my rate to 24%. When I called and emailed to protest, they told me "We cannot offer you a lower rate at this time." I have had this card for 9 years and have always paid on time.

Yesterday I checked my Wamu/Chase online account to verify the balance for my Wamu/Chase credit card and to make sure I had enough funds to cover replacing two tires on my car. I went to the local Firestone this morning, have two new tires put on, went to pay with my Wamu/Chase credit card and it's declined. I was thinking there must be a mistake. So I have the card run again. Nope, no mistake. So I called the number on the back of the credit card and I was informed that my balance is too low and that Experian reported to them that they felt I was a credit risk so they (Wamu/Chase ) had to close my account. I explained to the customer service lady that yes, there was a period in 2005 when my husband was battling a brain tumor that payment to our creditors got interesting.

I too went to make a small purchase of $34 and used my most recent Chase, formerly WaMu, card with a limit of $2000, current balance of $670, and payments of 6-20 times the minimum required, only to have it declined. I then had them try my other Chase/WaMu card with a limit of $2000 and a balance of $1000, and it was also declined.

Beware of doing business with JP Morgan Chase & Co. As a consumer who has had no late payments to this company (or any company) and a high-paying job that I have been at for over 20 years, I was shocked to receive in the mail a notice from JP Morgan Chase & Co. that "in response to market conditions, new federal laws and regulations, and our increasing costs, we are closing the above-referenced credit card account." By the way, this account has been paid-off for two billing cycles and has a zero balance. It has never been paid late, nor have I ever exceeded the credit limit, and I have followed all of their terms of use (as with all of my accounts). Now, my credit report is going to reflect an account that will be listed as "closed at credit grantor's request," which is going to harm my FICO score for no reason. Please think twice, even if you have good credit, about doing business with JP Morgan Chase & Co.

Yesterday, I was told my Chase credit account was closed after having my card embarrassingly declined. I was told several different stories by three different people, but I am certain the first individual spoke the truth in telling me over 3 million accounts that got slashed were done due to the economic downturn under the advisement of the government. I cried. I know what we have to look forward and I am sure this is only the beginning. I had just made a $400 payment to my account that posted on the 15th and had checked my account via online services yesterday morning before leaving my home. My $400 payment was posted on the 15th to an account that was slashed and closed as of July 14, 2009. There was no message in my inbox that had been generated to warn of the closure nor any special messages on the site that let me know that I was about to go out and attempt to charge on a closed account. I would love to know the criteria for the slashing of certain accounts due to the economic downturn!

I had WaMu Visa for years, and always pay on time with more than minimum payment. After Chase took over WaMu, I did not use the card at all. Three days ago, I tried to use it at gas station, and it responded "Call card issuer." I sent Chase the message and they responded back that my card was cancelled because "total available credit on bankcards is too low." I did not receive any letter from them for canceling my account but raised my financial rate to 31.99% plus $4 monthly membership fee. What did I do wrong? Why did the government support Chase Bank and take advantage to tax payers?

Like many other WaMu customers, I have received a letter from Chase that my credit card has been cancelled. I have no late payments or bad credit. I have a personal checking account and a savings account with them that I am going to close as I do not want to do business with them.

While I'm on vacation with my husband and two kids over 12 hours away from home, I planned on using my Chase WaMu card for some gas or in case an emergency comes along. We went and try to pay for some gas. What's that? My credit card is declined? No. That can't be. I have more than enough on it. When I called to find out what's going on, I'm told my account was closed just two days ago on July 7, 2009. The first time I called, I would get a letter in seven days (still no letter on 7/18). The second time I called, I was told it was because of a credit report they got and I would have to deal with them. I did look at that after we had to borrow money to make it home. Nothing is wrong that I could see. I have no other credit card and one reason was that my other cards had high balances. I was never late with them and just had it paid off in March. Fine. They didn't want me as a customer anymore for whatever reason, but they should give people 30 day notice to make other plans. That should be a law. I did write them a letter but only got the same generic speech that comes from a book. I told them I didn't want to hear it must be frustrating and with in the first few lines of their letter that's what I got back that tells me they didn't read my letter. What a great company - not.

I too have been a victim of Chase. My wife and I had an embarrassing moment when we went out with friends to eat. When it came time to pay, I pulled out my WaMu credit card (now owned by Chase) and gave it to the hostess. I was then told it had been declined. They ran it again and the same result. I then contacted the number on the back of my card and was told that my card had been cancelled and that "a letter had been sent out on July 7th explaining this."

We received a letter today stating that our Chase account was closed because the available credit is too low, the average length of time since the card opened is too short, and we have too few accounts with time on file greater than 24 months. First of all, we requested a credit limit increase over a month ago, we were denied, and our available balance on this card is more than 2/3s that of the limit.

I had two credit cards with WaMu that were purchased by Chase. Both had low balances. Neither ever had an over limit or late payment fee. Nevertheless, when I attempted to use one of the cards on July 18th, it was declined. When I called, the rep looked up the account, saw the online transaction that got declined and told me she didn't know why it was declined since all the info I had entered was correct. She transferred me to Carlita, the account supervisor, who told me that account had been closed. She would not say why. She would not connect me to her supervisor because, she said, my account was closed and there was nothing to talk about. She stated a letter had been mailed on July 14th. I have written to Chase regarding their unscrupulous practices. I am also planning to file a complaint with the State Attorney General, the Federal Trade Commission and the Better Business Bureau. More immediately, I am closing my (other) accounts with Chase. I am so disgusted by this. I will never do business with them again. I will recommend to all my colleagues and friends not to do business with them either.

I responded to an offer for a one-year 4% APR to transfer my credit card balance to Chase. I took the offer but after three months, my interest rate went up nearly fivefold. I called Chase and they told me that they had reserved the right to shorten the term of the offer. I immediately paid the card off completely, but a couple of years later, I got an offer to write a check on my "Credit Line of $4,500" - written in huge print - for a two-year 4% APR. I took the bait again, alas, and Chase hit me with a $39 overdraft fee because I wrote the check in the amount of $4,500.

Well, my story is the same as the rest - a Washing Mutual customer for over 5 years, never late, paid before the due date, and more then the minimum. In fact, I just reduced my balance by 60% and found out yesterday that on July 17th, when I went to purchase gas, they closed my account. I just refinanced my home with Bank of America, and received money back for some home improvements. I have a credit score of 725. Chase took over Washington Mutual and they seem to be scaring everyone who pays their bills on time.

My husband and I just had a very embarrassing moment happen while we were eating out at a restaurant. We finished our meal and my husband took out his WaMu card (bought out by Chase) to pay for our meal and we were told that it was declined. We could not understand this for we had just returned from a trip and knew that we had ample funds available on our card.

I recently called Chase requesting a refund of an over limit fee and a rate reduction. My balance and current rate is $2,700 and 27.24%. Chase credit card services recently reduced my limit and after using my card for a $7 purchase, Chase decided to charge me a $39 over limit fee. After speaking with Kathy ** (account supervisor) at Chase, she told me there was no way of both reducing the rate and refunding the over limit fee, after mentioning if the card was approaching the limit, the purchase should be declined. I am a loyal customer of Chase for nearly 10 years and it seems every year they are getting greedier and greedier. Having a rate of nearly 30% is similar to loan sharking. We need help and request laws be in place to prevent this in the future.

I have been a Providian credit card holder for over 12 years and had zero problems with the card and received various limit increases. Then, Providian sold out to WaMu which then became Chase. Once Chase took over, my credit limit was reduced and my interest rate increased dramatically. Now, I received a letter in the mail closing my account because I have high balances on my credit cards, which has nothing to do with my Chase account. I am current on my payments with Chase and have a balance with Chase.

I had been a Chase Credit Card customer for over 18 years. My credit limit was $24,700. I have a very good credit. I was never, ever late with a payment and always paid more than the minimum, sometimes double. This past May 2009, out of the blue, they decided they needed to raise my interest rate from a fixed 6.9% to a variable 13.24%. They said this was to keep the account profitable. I could accept this outrageous behavior, or close my account. I chose the latter. Now they have to keep my balance at the previous rate while I pay off the balance. Who really stuck it to who? Now they are starting to jack around with my wife's card. I don't know what recently happened in the Chase camp, but they have traveled all the way to the bottom in no time at all. And if you want to call in, don't expect to talk to anyone in this country!

Chase Bank sent me an offer consisting of using checks for practically any purpose with a 2.99% interest for one year. My account with them had a balance of $3,300.00, and I was being charged nearly 28% interest. (Why is another story in itself.) I decided to pay off the account in order to take advantage of their offer. Apparently, all I needed mostly was to have the balance available for the amount that I used with the checks. I had an available balance of $10,000.00.

After making a $1,500 payment on June 26, 2009, my available credit went to $2,000. I received a letter in the mail saying my interest rate would now go from 15.99% to 26.99%. I was fine with that. Then I received my bill and the next payment is not due until August 5, 2009. I tried using my card today and the card was canceled. After calling Chase, they told me I was a credit risk and that the account was closed. I asked them how I was a credit risk, and they said it was from Experian, but after checking my credit report from Experian, nothing has changed in the past 6 months. I could barely understand the individual to whom I was talking with. I asked to speak to a supervisor and once again, I could barely understand them (speaking broken English). They would not give me a straight answer. They kept telling me that there was no further information that they could give me, only that my account was canceled because I was a credit risk.

I think I am in the same boat as everyone else that I have read about regarding Chase credit card. I had a WaMu account, was never late, and had direct payments set up via the website. I notice online that my account was closed. I received no notice in the mail. I haven't used my card in at least a year and I am at about 2/3 available credit on my 3 other bank cards.

They closed my account! It used to be WaMu with a great interest rate, then Chase bought them and raised the rate. I'm home sick in bed and get a letter that my account is closed due to high balances on my other accounts. I have great credit and am in the middle of trying to purchase my first home and this will affect my score! I have an $86 balance on a card with $300 limit total. Oddly enough, they didn't close my other Chase card with a much higher balance and interest rate. How can they do this? It should be illegal. Can we do anything to protect the credit scores we worked so hard to get?

In June, I sent Chase an email stating I was no longer employed and would like to evoke my credit protection benefits. I was a WAMU customer, I paid my bill on time. In July, I called to set up the credit protect and to my surprise, found that my card and credit protection had been canceled. I look at my online account frequently and at no time was this information shared with me. I was told that they had sent out a notice in the mail which I had not received. I was told that they had checked my credit report and I was late on my BA card. Even though this might have been the case, I have never missed a payment with them and my next payment was not due until August and my credit was/is a B+. My anger comes because I was in communication with them before they canceled my card.

I was with WaMu for around three years. It was a great card, no problems. I have a $10,000 credit line, 9% APR. Beginning in July of '09, I was checking my bill and saw Chase had taken over the account from WaMu, dropped my limit to $7,000 and jacked my rate to over 24%. So I called to inquire. I was told Chase had pulled my credit report (for no reason) and with no bad history on either, made the changes to my account resulting in more than doubling my rate and decreasing my fund access. I was told that closing the account was the only recourse I had. Is this crap legal? If I can file a claim or something, let me know. I'm in. I'm working to just pay it off and close it for good.

I have been a Chase customer for about 5 years now and have never failed to pay at least the minimum payment (we almost always pay more than the minimum). A few years ago, they took over a Bank of America card I had and within a few months, raised my interest rate to an insane 29.99%. When I called to complain, I was never given a reason why my rate increased and was told there was nothing that could be done. In an effort to escape Chase, I got a WaMu card and transferred much of the balance to the new card. Chase then took over that card as well. Long story short, I now have 4 credit cards and a mortgage that were all taken over by Chase. When I received my tax refund, I put the vast majority of it toward my credit card debt and made sizable payments.

I had 2 credit cards with WAMu, who in the beginning of the year was bought out by Chase. Let's start with they raised my interest rates. I expected that. Today, I went to the pharmacy to make a purchase of $14.99 and the card kept coming up declined. I went home and signed in online and everything appeared to be normal, so I called the number. They told me they closed my accounts based off of my credit report. I flipped. I then looked at my credit report and there is nothing on there. I paid on time each month and always paid over the minimum balance due. I am going to try to roll over the balances cause I refuse to pay on a closed card. And what really irks me is this will look bad on my credit report.

Chase was aggressive in soliciting my credit card business. Within the last month, they raised my rate from 9% to 17%. My credit rating is 723, above good, so this is purely about greed. I contacted the customer care department and they couldn't care less. They said their costs had increased so they needed 13% over prime. This is a huge inconvenience to have to transfer this balance and close my card. I am going to take my revenge by making sure everyone I know and everyone I am connected to on the internet knows about this sleazy company. I have to get another credit card to replace Chase. This will show up on my credit report.

I was beyond upset when I discovered that I had gone over my credit limit and was charged an over limit fee. It turns out after my credit card switched from WaMu to Chase, my credit limit was decreased (without notice!). Why would they allow me to go over limit? I finally received a notice in the mail a week after I went over the limit. This is an unfair practice. We should've received some type of warning.

I had a WAMU credit card for well over a year when Chase bought it out. I always paid my balance before the due date. Then while trying to make a purchase on July 15, my card was declined. When I called the 1-800 number, the customer service rep told me my account had been closed due to an increase in credit risk per my credit report. I was mortified, so I pulled my credit reports for all three credit bureaus and nothing had changed on them. The manager at my credit union called Chase to get more information as to why my Chase credit card account was closed and the guy told her that it wasn't just me this was happening to. He said that Chase had changed its "creditworthiness standards" and was slashing millions of card accounts. He said that Chase took on too much high risk when purchasing WAMU's assets.

I can just say ditto to all the previous posts. I had high limit card from WaMu that was always paid off and on time. Chase canceled it and I only found out when it was declined at dinner. I was planning to use it for my vacation next week and I am trying to increase my credit score to buy a house and this will hurt my score. I have filed a complaint with the BBB and plan to cancel my Chase checking and savings account. Tell all your friends to not bank with Chase!

I have read many of the complaints about Chase credit cards. I have had this card for over two years since it was WaMu. Like many, I paid before the due date and more than the minimum balance. Since the beginning of the year, they have raised my APR three times. First from 10.99% to 20.99%, I called in to find out why and was told it was raised because of the economy and they needed to make profit. And since my canceling date had passed, I couldn't cancel anymore.

This past week, I got declined whenever I used my card. So I called Chase Customer Service, and I was informed that my account was closed. When I asked why, the rep couldn't tell me any reason but told me to wait for a letter that would explain everything to me. I was very disappointed, because I have always been a responsible payer and have always paid my bill on time. I have a limited credit history, so I was trying to build my credit with this credit card. What's worse was all the rewards point that I accumulated over the past 2 years were forfeited when they closed the account. I should have redeemed the rewards before, had I known. They should have notified me earlier before cancelling the account or maybe gave us some options or conditions to let us keep the account open. Is this legal?

Same as many people on this website, Chase bank cancelled my credit card for no reason on July 14, 2009. I received no notice and they said I will be receiving a letter. The customer service was rude and obviously based in another country. This will hurt my credit score.

Just like several other people on this site, my card was originally from WaMu and bought out by Chase. I've been a customer since 2006 and have never missed a payment in my life on this card, let alone on any account that I have ever had. I always paid more than minimum and believe I am a very loyal customer. I received notification in the mail that my interest rate would go from about 15 to 20% to be a more "profitable account." I had the option to accept the terms or deny by June 30, but as angry as I was over that issue alone, I decided to keep it open anyway.

I just went to use my Chase card that I had received, after having a WAMU account, my first and longest open credit card, and learned that it had been closed. This was the only card I had opened for more than 3 years and had helped my credit. I had plenty of credit still available, paid more than the minimum every single month and had never missed a payment. I'm calling on Monday to find out more, but this is an outrage. I'm sitting for my DE bar exam in ten days and have very little cash left. Now I have to pay this all down on the balance rather than have a card that was establishing credit, which will hurt me even more trying to get a new card.

I recently paid off over $5,000 of my card limit. On July 17, 2009 (the day before my birthday), when I went to use the card (on vacation), it was declined. I had no notice of this. When I called Chase, they said they closed the account due to my credit report. I have not been late with this card and have been making more than the minimum payment forever. It has negatively affected my credit report and it left me stranded in Chicago on vacation with no credit card.

I have been a credit card holder for 4 years, never a late payment and the card is currently not maxed out. Payments have always been made that have been well over the minimum. In April of 2009, I received a statement indicating that my interest rate on my card was going to increase from 11.99% to 29.99%. As much as I was frustrated by the situation, I have followed what was in the news about credit card companies and almost expected it. On July 17th, I went into a store to use my Chase card and was declined. I've received no letter or warning that this card would be closed. I find it unethical that without warning, a company can still demand payments on a card that they closed without warning and for no derogatory reasons other than they pulled my credit report. This was also the answer the representative gave me on the phone, however, if you did a snapshot of my financial profile at the time I was granted the card, it was worse than it is today.

I went to the supermarket and had my credit card declined. I called Chase (I was a WaMu customer.), and they told me they closed my credit card based on my credit report. I just checked my credit report, and it is just fine. I have never been late with my payments. This is completely ridiculous and unacceptable and will result in a decrease on my credit score, since I had a lot of limit available on the credit card. I am so pissed!

I was just out having a very nice dinner with my wife for our anniversary, and when the bill came, I went to pay with my Chase card. It was declined twice. I called Chase, as I know there was no chance my card was near the limit and I had just paid a large percent of my bill (early). I was told that my account had been closed on July 7. When I asked why I hadn't been notified when I paid my bill just days before, they stated their website "available credit" was inaccurate. They told me they mailed me a copy of the letter the same day that they closed it.

I received notice in June that credit card payment terms would go from 2% of balance to 5%. Not due to bad credit or late payments, but that they needed to get their money back faster. I was only paying 3.9% for life of the loan and as long as I didn't default, they couldn't raise it any other way except to make me pay more each month. So, a payment of $400, which I'd been paying $600 on, will go to $1,000. It might just be simpler to file for bankruptcy and give them nothing. It would serve them right for being so greedy.

I have been a customer of WAMU credit cards since 2004. During that time, I have never ever missed a payment and more often than not, paid over the minimum due. I was notified on 7/15 by a company who is paid monthly through my WAMU, now Chase credit card, that my payment could not be obtained. I verified the information they had to bill against the Chase card. Everything was fine. I then checked my credit card information through Chase and was given everything except an opening to buy. When checking further with the customer service, I was informed of my account being closed. I was transferred to another individual who checked my account and confirmed the closing.

I originally got my credit cards through WaMu. Chase acquired WaMu last year. My credit accounts were maintained meticulously. I never had a late payment. I never had a minimum payment. (Most payments were $1000 or more.) I found out when I went to use the card that it had been closed. Also, pending charges were moved from it onto my other Chase card, which maxed it out. I called and got someone in the Philippines as well who was extremely rude. Please help. I was planning to buy a home next year. This is going to lower my credit score, because 1 card is closed by the bank and another is maxed out by the bank. Please contact me regarding the possibility of all of us getting together and filing a class action lawsuit.

I have been with WAMU for years and they gave me a credit card years ago. I've always made my payments on time and paid my over the limits, even making payments 2 times a month over the limit. I found out today that they closed my credit card. They said I will get a letter in the mail soon explaining why. I have other credit cards and been paying them over the limit and don't use them to bring down the amount I owe. I used to have 5.99% interest on the WAMU and when Chase took over, they raised it to 24.99%. It's not me that isn't paying my account. I owe $1200 and the credit limit was $2000. I was paying it off faster when the interest rate was 5.99%.

My due date to pay my credit card on time said 7/17/09. I went online to pay it, and the date paid showed 7/18/09, which meant it was late. I called the billing department and was told the payment had to be there by 4:00PM or it was considered late. I asked where it stated this on my statement and was told it is not shown on my statement.

I called to request removal of a $39 late charge made to my account after making 2 separate payments in the same month. The late charge was a mistake and yet, Wendy **, Chase's representative refused to remove it from my account. In fact, she would not transfer my call to a supervisor as she said there was no one available to help. When I tried another number, I got a supervisor who said they couldn't make the decision to remove the fee and that I would have to write a letter to request removal. I asked why in this day and age, we would need to write a letter. Why not a call or email? He refused to help and stated this is Chase's policy now. I closed my account immediately. They didn't care. It's baffling to me that a company would turn away customers like that especially those who make twice monthly payments. They even told me what a good customer I was as they told me they can't help. I believe that these late fees are a scam and that this is their new method for making money!

Like so many others on here, my WAMU account was transferred to Chase. What was once a great account has spiraled out of control. I called today to find out how I ended up with a 31.9% annual percentage rate and was told that there was nothing they could do and that my account was closed on July 7th. The statement I got today showed the account as active with available credit. I don't care that they canceled the account, I want to reduce the interest rate. They were unwilling to talk to me about the interest rate, "look at your credit bureau". When I pushed, I was told that my debt to credit was out of proportion. No kidding. I carried two mortgages for two years, I never missed a payment on a single account. Now that the first property sold, I have been making greater than minimum payments. They closed the account and jacked my interest through the roof. Good to know that we bailed the banks out when they needed us.

This following is a copy of the correspondence I sent to Chase online (7/13/07). The online screen said that I would get a response within 4 hours. It is now 7/17/09. This happens to be the worst customer service I have ever experienced. Today, I received a bill that stated my acct. was credited with payment on 7/4 and I also received an additional $2.27 late fee. A couple of hours late cost me $42.17. I will wait for my rewards to meet my next $25 reward before I cancel and send my cards (cut into small pieces) back to Chase. I had always thought that Chase was a reputable credit card. Thank goodness for my Discover card. From July to September, I received 5% cash back for gas and I received 5% cash back all year, up to $1,200, on my Discover Open Road Card.

Chase changed my low fixed APR into a higher variable interest rate! My account has been open for 10 years, and I've never missed a payment or been late! Chase said a letter was sent in January explaining the new terms. I never received it! And it's impossible to prove that I didn't. However, I've opted to go paperless and agreed to the Chase Online Service E-Sign Disclosure. Why didn't they email it, put it on the statement in the message box or inserts area, or make it available anywhere online?

I am a former cardholder of WaMu, now owned by Chase. When calling the company earlier today inquiring about a reduction in my APR, I was shocked to find out my card had been cancelled. The representative told me it was a business decision due to being a high-risk liability. I have been making substantial payments towards the card and have dropped my balance by more than half in the last 6 months.

On April 2009, I sent the last payment on my credit card and the payment was one day late. A late fee for $39.00 was added to my account. I called to dispute the charge but I was told I had to pay it. I wrote 2 letters but no luck. I paid the late fee in June but the bank keeps charging late fees on late fees. Late fees on a late of $39.00 (paid) is $107.00 plus. I called today and I was told that they will continue charging late fees on late fees since it is legal to do it. I think it is very illogical to do it since I send the payment for the late fee. Please advise what to do. Thank you.

I sent in a $1 payment from a leftover late fee that was not my fault, but they would not remove this late fee! Along with this payment, I sent notice to close my account. Three months later, I received a charge that is from an automatic renewal fee. I called to let them know that this fee will be credited to my account, but they were not accommodating on any late fee that could occur. I will not use any Chase card in the future if they will just close the account like I requested! I have excellent credit, but they are apparently not interested in customers that pay their debts! As a footnote, another reason that I requested this account be closed is due to their unaccommodating response after Hurricane Ike came directly over our home. American Express and Discover were extremely kind and we will continue to use these companies for our future credit needs.

I received a phone call yesterday from a hotel which I had made a reservation with on Monday, July 13th, and was informed that the prepaid reservation that I had made had been declined by my credit authorizing bank, Chase Bank, USA. I thought this was odd as I just logged in the other day to check my balance on the account and set-up an auto pay for August and knew that there was plenty of funding for the small charge for the reservation hold. I contacted Chase this morning and was notified that the card had been closed and that I would be receiving information about the cancellation of the account in the mail within 7-10 business days!

I received notice that Chase will be increasing the annual percentage rate on my credit card. I was not completely shocked by this. I sort of expected it in light of the card legislation that goes into effect on February. However, my interest rate is increasing from 8.99% to 19.99%, which is absolutely excessive. I have never paid late; I always pay over the amount; I have never gone over my credit limit. I have a mortgage with Chase Bank and my Washington Mutual Credit Card was moved to Chase earlier this year. In short? I am a really good customer.

I have been a WaMu credit card holder since June 2007 and have always paid my bills on time. On July 14, 2009, I was trying to buy an airline ticket and I kept getting a decline. When I called the 1-866 number on the back of my card, they told me my account had been closed one day before due too many charges on other credit cards, even though those credit cards are in good standing as well. I wanted to know what does my other credit card have to do with this one. They could not answer me. The other cards are not being closed. That's why I have the limit I have to be able to charge, and I have never gone over on any of my credit cards.

I had 2 WaMu credit cards. In the past 2 months, I paid off my Capital One and Best Buy credit cards. I was currently working on paying off my Chase cards when I noticed that one of my accounts was closed while paying my bill online. I called Chase and they told me they pulled my credit report. I was never late on my bills and I always paid over my min. amount due. How could this be legal? How could a bank be allowed to mess with anyone's credit that pays their bills on time. This should not be legal. They could have reduced my credit limit or give me a warning, so I could pay and close the account myself. There should be laws protecting credit holders with banks who are horrible, such as Chase. I'm sure this affected my credit score and I've worked so hard paying down my debit. What do I do now and how could I fix this on my credit report?

I came to the this site to complain about Chase Credit cards, and I see that many others are having the same problem as me; Chase closed my account without notifying me first, so I, like many others, only find out that my card had been cancelled when I call to inquire "why my card was declined," because I tried to purchase something. The lady on the line explains without hesitation, and before I say, anything more than the verification information she needed to make sure it was me on line; that my card had been closed on July 14 and a letter was put in the mail explaining why, and it was because of the information they received from the credit bureaus. What! I was livid! I had a great standing with Providian and then when WaMu took over, I had no problems. My credit is fine and I have continuously paid my bills on time. What is going on? Somebody needs to stop Chase. I wonder, since they closed my account without me knowing, if I should take it upon myself to lower my interest rate, so I can pay off the ** thing faster, and just explain to them that I decided to go with the lower interest because the credit bureau said so. What a lame excuse!

Chase acquired my credit card in their purchase of WaMu. They raised my APR from 16.74% to 29.99% and without notice closed my account. I didn't know this until I went to make a purchase and the card was declined. When I called customer service, I was told my account was closed on July 7, 2009 because they deemed me a credit risk. I have had this card since 2007 and it has been an important part of rebuilding my credit. My payments were timely and always more than the minimum. I have been sick lately and on disability and still managed to make payments on the card. They said they were mailing me a letter to state why but I haven't received it to date. I find their tactics predatory and unethical. My credit is better now than it was when I was issued the card. Until this card closing hits my credit report, then it will be through the floor.

I have been a credit card holder through this organization for quite sometime now. It began in 2001 with Providian, and then later became WaMu and has now become Chase. I hold business checking and savings accounts with Chase as well. My bills are never late and I keep very small if not zero balances on about a half dozen credit cards.

I have a WaMu credit card (now Chase) that has a sizable credit limit. I owe a few hundred dollars on this card which is a very small fraction of the available credit. I had the card 2 years, paid it on time. I went to make a purchase, come to find out, that the card was closed. I called Chase, to find out that they closed my account, stating that I was at risk and that they based this off my credit report. My credit report was in good standing at the time of the account being closed. I tried to plead my case with this woman (with a thick accent) that had no heart, almost robotic in response. I called 3 times that day, and every time I called, it seemed that I talked to a person again with a thick accent. It turns out, the calls were being forwarded to the Philippines. What the heck is going on? These people have no real customer service skills! She said, sorry you feel this way, like her response was scripted, with no real emotion, and then hung up on me.

Like many other former WaMu credit card holders, my interest rate was raised after the Chase takeover of WaMu, and then my account was peremptorily closed. I always paid far more than the minimum, and was not late with a payment. I learned of the closure when I tried to use the card to pay at a restaurant. The stated reason was that the outstanding balances on my credit accounts were too high.

My credit limit was reduced by $12,000. While I do not think banks have an obligation to lend people money, I think this is unfair and bad for business. I have been a loyal customer, always paid on time and had the card with WaMu for many years. They said they used information on my credit report to come to this decision. I have perfect credit. This will hurt my credit score.

As others on this site have experienced, I found out that Chase closed my account only after having a purchase declined today and called them to find out why. I opened all of my mail. They never sent me a notice! If they did, I would have used my bonus money to pay down my balance this month! Account was paid as agreed. They took advantage of their right to close my account based on my whole credit file, which has cards with high balances vs. credit amount, but all are paid as agreed. Lack of notice is unethical but it’s my word against theirs. The $700 available credit was all I had for emergency situations. I am one step from disaster.

I have 2 credit cards with WaMu. They later became Chase credit cards early this year. Yesterday, I was trying to buy few things online and my credit card was declined. I was forced to use another credit card to complete the transaction. When I called the Chase bank 1-800 number, the customer service rep informed that they have closed my accounts during an internal review and I will get a letter in the mail. When I logged in online, the accounts show up nicely and there was no mention of the closure.

My WaMu credit card was closed without warning by Chase Bank who claims that I am a 'high risk', but I do have other credit cards through Chase Bank that have higher balances/interest rates yet remain open. I have never paid my credit card late, or missed a payment, and currently have a $400 balance with about 4x that amount as available credit. I feel that I and my credit score are going to suffer further negative impact from this unjust closing of my credit card account. And, I feel that Chase Bank is not honoring the customers that came from WaMu, and especially individual customers like me who have never been late, or missed payments, and have maintained the credit card account in an appropriate manner as mandated in the contract I signed with WaMu when I was issued credit.

Another victim of Chase's "low interest for life of balance" bait and switch. I used Chase's automatic payment to ensure that I never missed a payment. Chase has rewarded me by raising my minimum payment from 2% of the balance to 5%. This is a unilateral change. I have opposed it in writing with certified mail. My minimum payment will increase from $250/month to $625/month. The new minimum payment is $225/month higher than when I accepted the original offer. The full consequences are not yet known. I am faced with having to choose between accepting an increase of at least 100% of the interest rate to maintain my low payment and preserve my credit rating or struggling to meet the new payment and risk default. Unfortunately, the damages to over a million consumers will be severe by the time this work its way through the courts.

Chase acquired my credit card from WAMU. I tried to use my card on 7/16 and was declined, even though the website showed I had an available balance. I called Chase and they told me my card was cancelled on 7/10/09 by them. They stated that they pulled a credit report and felt that I wasn't a good customer. I was never late on a payment with them. I received an email on 7/13/09 stating that my terms will be changing with my August statement. Why would they send an email about terms changing on 7/13/09 if they closed my account on 7/10/09? I understand they have a right to close accounts, but this will have a negative effect on my credit since they just took away a decent chunk of available credit, so my credit score will now decrease through no action of mine. I have worked very hard to raise my credit score and they just pulled the rug out from under me. Shame on you Chase, how you treat good customers is repulsive.

Chase, which acquired my credit card via purchasing Washington Mutual, which in turn had purchased Providian, cancelled my card without notice based on assertions that a credit report warranted the closure. I have not been late in any of my credit card payments in at least 5 years and always pay more than the minimum balance. The consumer should have some recourse against Chase's unethical practices, including unwarranted interest rate hikes! The consequence was minor, simple embarrassment from having a card declined. I just assumed there was some mistake that could be cleared up with a call and was shocked to be informed the account had been closed.

Five or more years ago, I had some credit problems that were all resolved although there were a few settlements with 2 credit card companies. Since then, I have worked very hard to rebuild my credit. When I received an offer from Washington Mutual for a Visa credit card, I took it. In the past 2 years, I have made every payment far above the minimum due and have kept it up in good standing. When WaMu went under and was bought out by Chase, they advised that everything would remain the same and I continued to make my payments at the local WaMu branch. Last week after making a $200 payment, I attempted to use the card for a small purchase. It declined. When I called customer service, they said that the card had been cancelled by Chase because they ran a credit report and I was high risk. I had proved to be a great customer of WaMu and it is not fair that Chase would come in and do that to me. I have to start over rebuilding. A report on my credit report that a credit card was cancelled by the company cannot look good. I am furious.

Like so many of the complaints I read, I too was embarrassed when I attempted to use my Chase cards and was declined. I called to find out why, because I had always paid before due dates and had nothing (to my knowledge) change my credit worthiness. I was told by one person that they got a report from Experian and he gave me a number to call. Well, the number was for business only. He also said a letter was sent to me explaining why. Having not received the letter, I again called customer service and a lady somewhat said that according to Experian, I didn’t use my card enough or some nonsense like that. Guess I’ll wait for the letter. Oh, I did apply for and received a Walmart card right before this happened. I’m just glad I won’t be doing business with these creeps any longer.

I attempted to use my Chase Visa yesterday and it was declined. I called Chase and was informed that it had been cancelled on July 14, based on my credit score and report from one agency, Experian. Since I had just gotten copies of my credit reports, I looked to see if there was anything negative. Nothing and my credit score was good. I called them back, same answer. In my personal opinion, the card wasn't profitable to them, so they closed it with no notice whatsoever. This will show up on my credit report as a negative, although I did nothing wrong. In fact, I suspect they will send it to collections, just because it is closed with a balance.

It's 2am and I'm copying the email that I just wrote them; also, the incident at the very bottom. They reported to one of the credit unions that I was a defaulter and I find out while I'm going to buy a car. They just said, "Oh, sorry. These things happen and can't be controlled." They have the worst customer service on the planet. First off, I would like to have your corporate customer service contact information.

My Chase credit card allows me a $23,000 credit limit. During the past year, I charged up to $20,000 while doing some home improvements. I also had some promotional (2.99%, etc.) interest rates. I sold my home and paid all, but approximately $1,000 off and during May, I used my Chase card while traveling. I was shocked to open my June bill and found an interest rate of 19.99% on purchases. I called Chase to request consideration for a lower rate since Citi was gracious to offer me a lower rate based on my excellent credit and payment history. Much to my surprise, Chase customer service reps, unlike Citi reps, were on the edge of being rude when they stated that Chase will not offer that option to anyone except those who cannot pay. Higher interest rates are across the board.

The payment due date was changed without notice beginning in 2009. I have been a card member since 1990 and the date has always been on the 6th or 7th. In July, the due date was 7/02 and my payment arrived on 7/06. I was charged a $39 late fee.