Chase Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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