Chase Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.