On December 14, 2010 I attempted to purchase a Christmas gift for my wife, but my Chase VISA card was rejected.
When I called Chase I was told that I exceeded my credit limit. I knew that my limit was approximately 16K and that I had just paid $5800, which would have allowed my extra purchasing power. After speaking with a customer service person who was rude and ignorant, possessing no listening skills, I spoke with a supervisor, Brandon *******, who also tried to explain the reason for the reduced limit.
For the 10th time, I told him that I wasn't calling about that, and I did not care about the reason.
My complaint was that I was not notified that my credit limit was reduced. Mr. ******* said that I would be notified in a day or two. Eleven days before Christmas you take my ability to purchase gifts away from my without advising me. This must be a violation of some standard.
Oddly enough, today (December 20, 2010) I received the notice (copy enclosed).

You can be assured I'll be closing my account.

On 10/15/2010 I paid my Credit card in full.
I tried today to use my credit card and said it was declined. I find out that they charged me fees that I wasn't aware of and canceled my account for a balance of $80.32, that shouldn't be there since I paid the balance in full.
They didn't called me or sent me any letters.

I called for an explanation and they said my account was closed and they said There was nothing they can do.

I was a loyal cutomer with chase credit card for about five years until tonight. About a month ago I recieved my bill in the mail and sent a payment in which always way over the mininum payment. I kept checking my bank account to see when when it went through and about after ten days of not seeing it I called the company and asked why they havent deducted it. Their response is that they havent received it yet. so I told the customer service agent that I would cancel the check and go ahead and pay for it over the phone, which I did. Well, last week I got a letter that stated they received my check but couldnt process it because it was cancelled. I called again and they reassured me that everything was in order and not to worry.

I had a large credit limit with Chase, once upon a time, that has been reduced each time I pay a large amount to the cred­i­tor. I pay $500, they reduce the credit line by $1, 000. I pay $1, 000, they reduce it by $500. Chase increased my APR to 29.99%. Wow. I called to have it reduced. Some­one from a call center had it reduced to 27.24%. Hmm. So, I paid the bal­ance down to less than half the credit limit. I called to have the APR reduced. They reduced the credit limit and did not reduce my APR. I have never been late on any pay­ment, ever, with any cred­i­tor or bank or any­thing.

None of my other 3 cred­i­tors have done any­thing like this so I was amazed, dis­ap­pointed, and very angry.

So, I called 212-270-6000. I spoke with some­one in Exec­u­tive Ser­vices and explained my sit­u­a­tion. They put my on the line with some­one from lend­ing and stayed on the line. After 35 min and 49 sec­onds, they could not do any­thing for me.

They said that my pay­ment his­tory was good and that the amounts paid were exceed­ing the min­i­mum. They then said that because of my debt to credit ratio, I could not have my APR reduced. It was a cir­cu­lar con­ver­sa­tion, but a pleas­ant one.

I want to pay down my credit card quickly, but I need to have a reduced APR. Chase will not reduce my APR because my debt to credit ratio is too high. I cannot improve my debt to credit ratio because each time I pay down my debt, they reduce my credit.

They reduced 2 limits and closed a chase card of a bankrupt closed business CircuitCity. 3 letters all sent on the same day. The same day i politely requested a simple interest rate consideration is the day these three notices were issued. Was this a coincidence or dirty tactics? Chase Bank is the most vicious bank i know of an i have alot of credit card experience. I would not recommend anyone do business with this company.