Chase Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Chase acquired my credit card acct from WaMu after having acct established for 5 years. My wife went to a local store in the area and tried to purchase something and was declined despite our high available credit. I called Chase and they told me our credit card was cancelled despite the fact that I paid it on time. Their comment to me was that they pulled my credit report and determined that I am a risk to them. We were never late paying them and we had just paid them $300 on July 4, 2009 and they closed the acct on July 7, 2009. I didn't know that they cancelled the card until it was declined for a purchase. The rep was very rude and just did not care what they have done. I cannot believe that this is legal. It was embarrassing and it's not ethical. My payment history with WaMu is perfect, and I never experienced any problems with my credit card. If they knew they would have done this to WaMu customers, they should have closed the accounts when they bought out the company.

They have the right to close it for any reason at any time. She then went on to tell me that my credit was pulled by them through Experian and there were three ridiculous reasons that my card was closed. I asked her to give me the reasons & all she kept saying was, "you will receive a letter in the mail that you can dispute.." like a robot reading a script off of a screen. I was beside myself to say the least.

Chase closed my credit card account which was and always has been in good standing.

My husband tried to use his Chase, formerly WaMu, card. He had just received his statement last week and it showed open with available credit. Yesterday, he tried to use it and it was declined. The store called the company for him. They told my husband, Tim, the card was closed due to being past due. The account wasn't past due. We looked on the internet and it showed credit available. We called the 800 number and they told us that it had to do with three things, too many open bank cards. He only has two in his name. They send a letter on the day after they close the account and we will receive it in seven to 10 days.

My wife and I each have (or had) a credit card through Chase. Originally, she had Providian, and I had Wamu. Wamu bought Providian, and then Chase bought Wamu. Both of our cards are more than three years old with perfect payment history and steadily increasing available credit. We've been good with our credit both because it's only right and also in an effort to prepare for a home purchase. Chase just canceled my credit card without notice. They will not reconsider their decision, and say that they'll be mailing me something explaining their decision in 7-10 days. When I asked about my wife's account (on which I am joint), they confirmed that it was not being closed. Both accounts are identical other than the primary cardholder's name.

Chase closed my credit card account with them suddenly, with no warning and no prior notification. I was trying to use the card like what I used normally and the credit card was not accepted. I called Chase and was informed that my account had been closed. The reasons they offered for this is because of my credit becomes to zero which is completely ridiculous. One, I pay all on time more than the minimum amount, and two, I even pay the full amount in recent months. I have 95% still available credit on Chase. I had almost three years with them through WaMu. In addition, I made on time payments, often more than the minimum, and had no negatives on this account. The rep was rude. And this is crazy if everyone continues to use the Chase credit card.

Like so many others, I was late by three days for a Chase credit card payment. I called and spoke with a young man who couldn't respond without reciting "Our new policy won't allow anyone to remove the late charge." It was useless to explain that I had made two payments in May and one in June; therefore, the July payment had been made before the due date and was not late. When I did speak to Melissa, who let me know she was a supervisor and she had decided that I did not qualify to have the late charge removed because it was my fault. Huh? Again, I should have made the June payment one day late for it to be credited in July. I asked then why both May payments were credited in May and was told that's because they were made before June 11. Again, huh? I asked her to look at my credit history and she would see that (like so many of you) I am never late, pay two payments in one month, and always pay over the minimum. Too bad for me!

I had a FICO score of 805 beginning of 2009. Now it is 794. Yet on a balance of $8900.00 with credit line of $18,500.00, Chase is raising my minimum payment of 2% of the balance to 5% starting the August statement. My minimum payment of $178.00 will be $445.00 and I can't afford that. Simply having good credit doesn’t pay anymore. I even talked to them (Chase), but not to any avail. I don't know what to do. Please help!

I have a Providian card and then WaMu. Then Chase bought it. I was never late on this card. I always paid above the minimum. They raised my rate to 24.24 and I have a credit score over 700. They say I just have to deal with it! I have to seriously consider just not paying them anymore. I lost my job and trying to keep afloat in a market where my house is worth $200,000 less than I paid for it - I don't need this. I thought being a loan shark was illegal! I guess not if you are a bank.

I have enjoyed being a Chase customer since back in the early 80s. Over this time, I have had many business transactions with Chase. I currently hold two active revolving accounts, of which I have never been late and never missed a payment. I customarily pay my bill in full each cycle. My credit score is topped out at 800 since I am usually very meticulous about paying my bills. I sometimes even make two payments every billing cycle and seldom carry a balance over.

Beginning over two years ago, I saw my interest rate jump over 10% with Providian for no reason. Since then, Providian was bought out by Washington Mutual, and now is Chase. At no time have any of these three entities answered as to why my interest rate jumped that much, when I made my payments on time, and always for an amount higher than the amount required. I have since begun to send in far less, until this one question is answered. It is now in the hands of a collection agency, and I am telling them the same thing. My credit was very good until this happened. They called me for quite awhile, and now the collection company is. My credit rating will be influenced for years to come. As of this date, the interest they are charging is over 31%.

Chase closed my credit card account with them, with no warning and no prior notification. When I went to my neighborhood CVS to make a small purchase, the credit card was not accepted. As soon as I returned home, I called Chase and was informed that my account had been closed. The reasons they offered for this by e-mail when I contacted them were ridiculous: 1.) not enough open accounts, 2.) not low enough available credit, 3.) not enough time holding their card. I kept the number of credit cards at 3. I had over 65% still available credit on Chase. I had almost two years with them through WaMu. In addition, I made on time payments, often more than the minimum, and had no negatives on this account.

Having a WaMu card for awhile, it was switched over when Chase took over the WaMu accounts. The interest rate was raised per Chase policy change. Then as I'm on business travel, I went to use my card, which without notification or warning, my card has been closed with no reason/response from Chase. I never had a late payment on any of my revolving/loans. So I am very angry at Chase that it's closing down the customers that pay their accounts and pay them on time. This also came on 7/14/09 right after Chase posts a $2.7 billion profit. Shame on Chase! I won't be doing further business with them again.

I went online today to access my Chase accounts to determine if a balance transfer offer was available. While doing this, I noticed that there was a balance on my card ending in 2392. I found this strange since I have not used this card and the last activity, to my knowledge, was in September 2008 when I paid off the account. I called customer service and the rep that I spoke with informed me that there was an annual fee. I asked that it and the late fees be removed and close the account. He said that he was unable to remove any fees. I then was transferred to a supervisor at my request. The supervisor gave me the same information. I asked to speak to someone above him, and he informed me that there was no one else above him that manages accounts. My only option was to write the VP. He then gave me your contact information.

Like everyone else posting, the same things happened to me. Like all the games they have been playing with my credit cards: raised interest, lowered limits, closed cards, various excuses, and raised monthly minimum. I had at least 8 cards with Chase because of other bank takeovers. My perfect credit, Chase has now **! Chase is trying to get us to pay off these balances faster and if not, they can raise our interest rate up. If that doesn't work, maybe the government will buy our loans off Chase’s books as toxic assets. You can bet they have a really good scheme figured out by their lawyers and full time financial wizards. Why else would they bend over their best customers? Yep, I am sure in that 28-page agreement that we all signed, we have little recourse but to get raped. Please, let’s at least fight back. We should not be taken advantage of like this because of our need for credit.

I was sent low APR cash checks by Chase. After I posted the checks in my bank - before they could go through - my credit limit was decreased to almost 1/10th of what it was. The money from the check, in the meantime, did show up in my bank account (BoA); which I used for other payments. At this time, the check got returned and my bank account came into a negative balance for the first time.

Chase acquired my bank, WaMu, and all of my accounts, including credit card. The credit card was cancelled despite the fact that I pay it on time and in full or close to 'in full.' Their comment to me was that they pulled my credit report and determined that I am a risk to them. I didn't know that they cancelled the card until it was declined for a purchase. They will not allow me to transfer the balance to any other companies. I cannot believe that this is legal. It surely is not ethical. My payment history with WaMu is perfect, and I have not had any issues with my credit card. Can someone please help me with some advice?

I tried to use both my Chase credit cards today and had the charges denied. I checked my email for a notice of a problem when I got home and then went to the Chase accounts online and saw I had available credit and my payments are up to date. I called and was told they decided to cancel my accounts due to a low FICO score from Experian. I have had the cards for 10 years starting with Providian and then WaMu and never been late in paying. I checked my FICO score and it is 705 and there are no negs of any kind. I got the same story from the woman on the phone: wait 7-10 days to get the letter in the mail.

My story is pretty much the same as everyone else's. * year customer, never late, a lot of time paid extra, was never notified of cancellation until I tried to use my card, denied, still had a $3000 credit limit. I called and was told there was info in my credit report that caused them to close my account. They were supposed to send me a copy of the credit report and letter of explanation. "Never" got it. I called back last night, 07/14/09, and requested another be sent and was assured I would receive in another 7-10 business days. I have contacted AMEX and local bank. So far, no other issues, except I could not get a confirmation number or extension number for call reference. What? They have a legal right to demean my character and reputation, not to mention my money?

I have 3 Chase credit cards, two were formerly Providian and Washington Mutual. They were bought out by Chase. I recently received the notice about the increase from 2% to 5% of the minimum payment. Like others on this site, I cannot afford the huge increase in these payments. If there is a class action suit brought against Chase, I would like to be included. This is criminal to do this to consumers when we just bailed them out with our hard-earned tax money!

Chase decided without warning to cancel my credit card account on July 14th. The reason on the phone was due to my credit report showing to recent a past due, which is false, since I have my report in front of me. They also said my bank card balances were not high enough. Maybe that’s because I use 3 accounts. They say there is no one to talk to and you are basically ** out of luck. My credit score will take a hit for this after I worked so hard to get close to 700.

They gave me a 2.9% life of the loan deal, and just raised my monthly minimum from 2% to 5%, a 250% increase. I was not late on my payments and have been a good customer for 20 years with them. Changes our monthly payment from $188 to $470. I am a school teacher with a wife in school and 2 small children. We cannot afford this increase.

This is not about me but my parents. They had a credit card from WaMu and all was fine and Chase came in. Chase has just closed all of their credit card accounts for no reason, no explanation. Nothing.

I have had a WaMu, then Chase credit card for many years. My APR with WaMu, before Chase took over, was 9.9. I have since put up with the Chase minimum payment and a 2% interest increase. Mind you, I have never once been late, always paid well over the minimum and use less than 1/3 of my available credit. Today, 07-19-09, I received in the mail another notice from Chase stating my new APR would be, quote "The prime rate plus 14.99%, which would make it currently 18.24%. This change will take place with the October statements". The reason given was only that this was a business decision made by Chase. If I don't accept this change, my only option is to close the account, which I did.

After 12 years of having my credit cards, Chase buys them out, then decides to close them today! I am furious! I was told that I had a high balance on the accounts. Hmm, let's figure, a revolving balance of $200 on a $15,000 card! Wow, Chase! Perhaps you need to hire someone who can actually analyze your numbers a little better. I am disgusted and furious! Then I ask when the notice was sent. “Oh,” says the rep, “it was sent out yesterday!” Chase now also owns my mortgage. Well, since they cancelled my credit cards, why don't they cancel my mortgage to help me out?! That would be great.

I have had 2 accounts with Chase since 2005. The one account was formerly WaMu (which was formerly Providian). Today, I called to see if they would consider knocking back the ridiculous 27% interest rate to a respectable number (which Suze ** maintained I am entitled to based on my credit scores of over 700), only to be informed that my account had been closed yesterday. I was furious, especially since the script-reading, witless drone on the other end of the phone refused to let me speak with a supervisor or credit analyst for reconsideration. Instead, I was informed that I would receive a letter in the mail within 7 to 10 days with an explanation. Upon further probing, he said it was due to information provided by the credit reporting agency, Experian.

Within the last month, both my husband and I have had one Chase credit card account each closed by Chase. Both were recently paid off. One had rewards on it that will not be honored. The reasons given for closing our accounts were very similar to those posted by other customers here. We are concerned about how this will reflect negatively on our credit reports.

I had a Washington Mutual credit card, which recently switched to Chase. Upon the change, Chase raised my APR from 11% to 20.24% and a couple of months later, closed my account without notification. I have never been late on a payment and always pay well over the minimum payment due. Being that I was unaware that my account had been closed, I went to make a purchase with my card while traveling and it was denied. I was not prepared with any other form of payment and was forced to then use a bank check card that did not have enough funds in it, thus incurring an overdraft fee of $30. I contacted Chase and they offered no explanation nor recourse. I should add that Chase took over my husband's credit card and then raised his APR from 9% to 24%. These unethical practices by Chase and other credit card companies/banks should not be legal.

I have a credit card with Chase for over 2 years, with an applicable promotional balance transfer finance rate. I originally enrolled in the Credit Protection Plan, but called in December 2008 to cancel the coverage. Instead of canceling it, they gave me a "credit holiday" which I was unaware of. I made my payment for that month anyway. This month upon closer examination of my statement, I realized they never canceled the credit protection plan and therefore, the extra amounts I was paying, thinking I was reducing my credit balance, were just going to the credit protection plan.

I even offered to accept a higher interest rate, if the payments could remain about the same. Blanket refusal. Suggested I shift funds to another bank. That would be fine, if that bank in turn hasn't instituted higher minimum payments. Thanks.

I have had a VISA card with WaMu for nearly 2 years that was taken over by Chase. This is the primary credit card that I use from day to day and I have never missed a payment. I went to make a small purchase and my card was declined. Needless to say, I was both embarrassed and baffled. I used internet service on my phone to look at my account online and saw that there was plenty of available credit. So, I tried my card again and it was declined again. I called the customer service number on the back of my card and I was told my card was cancelled and my account closed!

Chase bought out Washington Mutual so my credit card company changed names. They have never sent me a statement or a new card. I had charges automatically billed to the card and then I paid them off every month before Chase took over. The billing cyle for WaMu was always on the 12th of the month. Since the first month Chase took over they have charged me a late fee of $39. every month except for one month, because they move the billing cycle date every month and I was always one day late on the payment. They wont make any adjustments. Some months I paid 2 payments, but if it was before the bill processes it didn't count as a current month payment. Chase is the biggest rip off company. We had them for a while when they bought our mortgage company, got out of that deal as quick as possible.

I had a Chase Visa for my small business, **. I pay more than the minimum and well before the due date. I received a letter a few months ago that the 8.99% fixed rate would now be a 16.99% variable rate. In June, Chase showed a $0.00 payment due but I still paid $150. Then a week later, I received a notice that my minimum payment of $201 a month will now go up from 3% to 5% of my balance which is currently at $8,850.83. I am complaining about their truth and lending law, changing my card from a fixed to a variable. I am also complaining that the person I spoke to did transfer me to a supervisor upon request and that lady said her hands were tied, that Chase was not allowing them to help the customer resolve these matters, that she had been on the phone with complaints all week. She said my only recourse would be to not accept the new terms and they would close out my account but that I would still be making the monthly payments to them at 8.99%. This would have resulted in my credit score being lowered so I declined.

Chase has also raised my minimum payment from 2% to 5%. I pay all my accounts on time and have a good to great FICO score. When I called them (3 times), I received the same flippant or bored remarks people here have mentioned saying basically: too bad, so sad, nothing can be done; pay up, get another loan, talk to a credit counselor and so on. After 2 weeks of barely sleeping, I found a number on this website (1-800-404-6220) for Chase Proactive Solutions. They gave me a 6% 60-month loan payout for a little less a month than my 2% minimum payment. I just had to agree to close the account. No big deal, like I would even consider doing business with them again. Pass this number on. I hope it will help more of you.

I have had my Wamu/Chase card for over a year. I have never missed a payment in that time. I went in a store to make a purchase and my card was declined. I called Chase and was informed that my account was cancelled. I asked why and was told due to my recent credit report, and other credit cards with balances, they were cancelling my card. I was not notified and the customer service person said this had happened in the beginning of July. I wanted to know what my other credit cards have to do with them if they are all paid on time. I am so pissed right now. The person I spoke to was reading from some stupid script. I felt that she didn't give a damn. What can I do? Is there anyone higher up that I can deal with?

I never received notice that my interest rate was being changed. I called customer service, they said there was nothing they could do and they had sent a letter in April. I explained that I never received the letter. Again, nothing I can do. I asked for a supervisor, they told me all I could do is write a letter. It just ticks me off. I am already strapped to the max with debt, I don't need further assault on my monthly income.

In June, I received the notice that my minimum payment was going from 2% to 5% effective August 1, 2009. Immediately, I called customer service to find out the reason and try to work something out. The girl I talked to seemed bored talking about the situation, because she had said the same thing to hundreds of other people. I explained that the increased payment was not possible for me to make and my back was against the wall. She said she understood. She had talked to crying men and women all day who were unable to make their payment. I asked what I could do. She said there was no recourse for me to take through their company.

The new law states credit card issuers can generally raise rates on existing credit card debt only if consumers have paid their bill more than 60 days late. I was only three days late and my interest tripled to 29.99%. Instead of having to pay back $1800 with that interest rate, I will be paying back $3000.

I have a credit card that was with WAMU initially and never had a problem. Then Chase Visa took over my account and little things started happening. But the thing that got me was when I had sent a payment in (never have been late), I received my payment notice that they put a $39.00 late fee on it and my fiancé, who makes out my checks for me, said that they had charged me another $39.00 over limit fee in 2 days.

I have lost my only source of income due to health matters. I have notified Chase multiple times via telephone and in writing. They are calling me in excess of three times daily. I view this to be harassment. I have conveyed to them I am under a physician's care and as soon as I'm able, they will be paid what is owed. They are heartless, persistent and have outsourced to India. I can barely understand them. They certainly do not care to understand me.

I have never been late with a payment, but Chase decided to increase the rate I pay for their services. I was paying 4.49% and now it will increase to 11.24% on Oct. 1st, more than double what I pay now. Is there a class action that I can join to fight this increase? The tax payers of the US have already shored up the credit card industry and this is what we get for that.

They raised my minimum payments from 2% to 5% just because I have a low interest loan that I have always paid on time.

WaMu was a great bank, always on top of the game for us. They let me know when things didn't look correct. One time, I had gotten a phone call on a Sunday morning to let me know that someone had run my card # for purchase, unauthorized, of course. They fixed the problem asap. Well, since this wonderful transfer into Chase, I have been treated like a criminal.

I owed $1,000 on my Chase account. I fell ill late 2004 to 2005 and did not work for almost a year. I tried to pay at least $10.00 on my account until my money ran out. Now, I received settlement information from Chase to settle a $4,000 account which I never had. They claim I owe $4,000 on a $1,000 credit limit. They added so many fees which made it impossible to catch up and damaged my credit score.

They promised me a fixed rate of 2.99% to 4.99% for life. Now, they are raising minimum payment from 2% to 5% This is not what was promised from Chase. I will have to make the higher payments in order to maintain good credit rating. It will be a job. No choice.

As many others, I received a flimsy bit of paper from Chase changing the rules of 2% minimum payment of balance to 5% on prior balance transfer. This mail out did not look important but I decided to read it anyway. An employee of Chase said "to read the fine print". Well, why would I read the fine print when the terms of my enticed balance transfer was for the life of the loan? What does life of the loan mean? This is not assumed; it was an agreement. So, with so many people dreading the future of their credit regarding this matter, we find ourselves in a similar situation trying to meet such a DRASTIC increase in minimum payment; wife losing job, more than half of 401K and at retirement age is not helping but we have managed to make our payments on time.

The minimum payment on my Chase credit card was raised from 2% to 5%. On a fixed Social Security and small pension budget. I was threatened financially by the almost $300.00 monthly increase in payment. I called Chase twice and asked if there was anything that could be done. I got nowhere until I decided to investigate the credit card protection laws. I discovered that as of 2-27-09 consumers have the right to request 5 or more years to pay back a credit balance from the date the increased rate becomes effective. Also, the percentage rate cannot be increased more than twice the percentage required before the date increased rate becomes effective.

It troubles me greatly to see a Chase Bank representative come on to a complaint site and complain about people exercising their right to "freedom of speech". At the same time, they (Chase representative) are claiming to have the right to do whatever they want to do to hundreds of thousands of loyal customers. It makes one wonder how they would take it if this same mass of people were to go to a hardware store and buy sticks and poster boards and markers and tacks and then position themselves in front of the many banks and businesses that are funded through Chase Bank money and picket on a 24/7 basis. Would that exercise of "rights" disgust the representative? With that said in my case, as I exercise my rights of freedom of speech, these "bandit bankers" have decided to increase my rate of repayment from 2% to 5% which goes against the "past practice" that has been in place for at least 10 years that I have been one of their customers.

I never made my payments late. I paid a lot more than the minimum due and they credited the payment the day after it was due so I was charged a $39.00 late fee. I called and asked them to remove it. The individual I spoke to was rude and the supervisor treated me like a criminal. I closed the account and the next day closed my other two Chase card accounts. Three months later, I paid off the total amount due. I mailed the payment in plenty of time to avoid late fees. Again, they credited my account the day after it was due and added a late fee. Enough of Chase Bank. Close them down!

Earlier this spring, someone stole my husband's identity. In response to this breach, we closed several credit cards that had no balance and were unused. We also purchased a vehicle using Chase as our lender three days prior to the incident which I will explain further. We had a credit card through Chase for over three years. We have never been late with a payment. Never went over our limit. We even paid this credit card off several times and used to for emergencies and vacations only. My family and I had made arrangements to go on vacation and put our hotel accommodations on our Chase credit card. On our way to the hotel, we received a phone call from the hotel that our card had been declined. I quickly called Chase to see what the problem was assuming that this was some type of oversight on their part.

I called Chase Credit Cards pertaining to a finance charge that was posted to my account when it was paid in full and on time the previous month. The employee requested my full SSN, which I would not provide, and I gave her the last 4 digits. Then she informed me that my statement date is the 1st or 2nd of the month and my due date is the 26th. So that's why I was charged an $89.28 finance charge, because of the time difference between the two dates. I realized this was incorrect and asked to speak to her supervisor and she would not allow that. She said no, but when I persisted she asked me to hold and then disconnected me. I called back and spoke with a different individual who advised me that you must make 2 consecutive payments in full in order not to be charged a finance charge.

I am just like the above complaints. I wrote and asked that my recent 29.99% interest rate be reduced because I have never been late, never missed a payment, never gone over the limit and pay several hundreds above the minimum due. They responded, saying that they sent me a letter - not true - giving me until July 1st, 2009 to opt out of the interest increase which I did not do. If I had, the account(s) would have been closed and harmed my FICO score. I feel that I'm being robbed and extorted by this company. They put Madoff in jail, why can't something be done about these crooks? Are they doing this just to get the last ouch of blood from us before the government forces them to change next year? We need relief now from these bankers.

Chase raised my interest rates out of the blue to over 22%. After contacting them, the answer is always, "Did you send the opt notice back for the APR increase?" I receive paperless bills from Chase so I don't look for statements from them. I never get alerted online about these changes - just the great surprise of an increase in the monthly payments. I noticed that my rates changed without notice every time and I get a response that in 6 months, it can be reviewed. I have never missed a payment or been late. I have always paid more than what was due. Chase has poor customer service and no care for the people that make them.

I received notice of increase (from 2% to 5% of balance) to my monthly minimum payment effective August 1, 2009. This increase will almost triple my minimum payment from $245 a month to approximately $650 per month. This is not only a hardship, but completely discriminatory for two reasons:

This is my second posting. My first was two days after I received notice that my payment would increase from 2% to 5%. I had called Chase four times in two days and all I was told was, "too bad" and "here, call a credit counseling agency." I hung up livid and cussing every time I called. Then, I decided to file complaints with AG, OCC, FTC, senators, congressman and everyone else. After cooling off a bit, I called in again on Monday, July 6th. This time, I was given number to "Proactive Solutions" dept. They said I qualify for a 5-year loan at 2% interest. They asked a few questions about income and debt - very minimal. I was paying 3.9% interest before, so of course I was elated - but doubtful! It didn't make sense to me. They said after I made my July payment, it would trigger the change in my account and my paperwork would be sent out.

This disgusts me seeing this many complaints. As a Chase employee, I have just one thing to say. Read the fine print! The credit card agreement that comes with the credit card states that Chase has the right to change the terms of the agreement at any time. I know, I have a Chase card and have read the agreement myself and continue to read it to customers everyday.

We will be depleting our savings to pay these much larger payments for the next couple of months. We are hoping that lawsuits or compassion will resolve the situation by then. Our interest rates are already 5.99% and 6.99%. Isn't that enough? We don't want to give them the satisfaction of calling them to beg for high interest rates on money that could have been left with other lenders at good interest rates. We were sucked in and swindled. With these larger payments, our ratio of income to payments will keep other lenders from helping us with this disaster.

My wife and I sent in a payment on our credit card for July. Chase received and processed the payment (which was over the minimum amount) on June 30th. The payment was credited to our June balance instead of crediting it to our July payment as we intended. When my wife called to ensure they had received it, they said we stilled owed for July. They claimed that because our billing cycle ended on July 2nd, any payment received prior to that date would not go toward the current (in this case July) amount.

Like many many others, I was just recently informed of the 2%-5% minimum payment increase. Their customer service email responses are mostly canned and couldn't care less regarding the hardship this causes. I will be calling them but I don't hold out much hope they will do anything.

They raised interest from 12% to 27.24% doubling payment required. Lady at Chase states that is the APR that I qualify for, as review of my credit and since credit is not good standing, interest was raised.

Chase Bank suddenly, and without notice before or after, decreased my credit line, increased my minimum monthly payment and raised my interest rate. I have not made late payments and I always pay more than the minimum.

I have been faithfully paying my credit card bill for over 7 years which was used for my daughter's wedding. The credit card had a limit of $26,000. I managed to get the balance down to $8,000 and my present payments are about $170.00 per month. The interest rate on the card account is 5.03%. I am now being told that my payment is going up from 2% of my unpaid balance to 5% of the unpaid balance. This means my payment goes from $170.00 per month to over $400 per month. I have never been late on payments in well over seven years and now I am unable to make this outrageous payment. Is this legal and do I have any alternative to fight this?

Like others have already said, Chase is raising my minimums from 2% to 5%. I have no problem with them doing this, it is their right, but I should have the right to opt out of any changes. For them to force changes even when you close out the account isn't right. I don't even know how it is legal. What's going to be next? Going through cancelled account and changing the terms for the people still paying off their debts? I have been barely hanging on financially. My girlfriend has been out of work for a year and a half because of health issues and it has hit me hard to pay the bills by myself. This is going to finally break me and I will be declaring bankruptcy in the next few months.