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... read full review »