We've enjoyed our Chase Visa for 3 years (mainly for business expenses). We've never missed or even made a late payment. We're no-where near being maxed out. Chase even keeps raising our credit limit, although there is no need. Well, we too got 'the letter' from Chase that they're raising our rate. We've been considering a long time to go somewhere else anyway, because 12% seems unusually high for our high credit rating. I called, to see if they would reconsider our rate hike. The customer service rep... read full review »