I used my Circuit City Rewards (Chase) credit card and paid my bills on time for a couple of years, then I got into a financial bind due to being laid off from work, illness and then a death in the family. I began falling behind and went over my credit limit. I am now attempting to rectify the situation. Today, I decided to redeem the points I had "earned" making purchases prior to my temporary financial downfall, and today I requested the 7890 points that I am due. Circuit City Rewards informed me that since my account has been closed, I am no longer eligible to receive the money "I earned". I have paid late fees and finance charges already that total thousands of dollars, I was shocked to learn that they would also keep the money that "I earned". I feel robbed. This was my money, at least they could apply it to my balance. This is the thanks consumers get for opening credit cards. They do not cut you a break at all when you are actually trying to do the right thing. I will tell everyone I know not to do business with Circuit City and Chase Bank.