I recently received notification that Chase Bank was taking over my VISA account from Washington Mutual and raising my rate all the way up to 26.99% as of March 1, 2009, which is like a default rate. I cancelled the card since I have been a good customer and always been in good standing since I opened my account in 2006 (i.e., never been late and never missed a payment) and didn't understand why they would raise my rate to such a high percentage. I haven't used the card since before I cancelled it and was under the available balance when I closed the account. Their interest charge caused my account to go over-the-limit by $7.31 and they immediately charged me a $39.00 over-the-limit fee. When I called their customer service, they were rude to me and told me since I had closed the account, they weren't going to do anything for me (in other words, get lost! WaMu intends to rob me of every dime they can get out of me)! Like I already stated, I have never missed a payment or even been late with a payment and this is how they treated me! Beware of Chase or Washington Mutual! They have terrible customer service and they are thieves!!! And, to think that I was going to open a checking account with Washington Mutual. I'll never consider having another Washington Mutual (WaMu) or Chase account ever again!!! WASHINGTON MUTUAL (WaMu) AND CHASE HAVE TERRIBLE CUSTOMER SERVICE!!!