Same ole' song and dance as the others here. Loyal customer for years, Never late, Balance paid in full except for a few months. Raised interest rate from 9.99% to 20.99% when I did have a balance. Paid Balance in Full next month to avoid interest charges.BAM...they closed my account. OK for them to do it before the NEW Regulations take effect. Sure!!! AND I have the right to tell everyoe I know how BAD they are. Just lost 4 customers in my family and friends FOREVER!!! NO PROBLEM.. THANK you Chase, WF, BoA and Amex. for being myBUSINESS PARTNER!!! Why deal with small change when "REAL" $ is on your side. YOUR CHOICE while you have it. So...HOW"S THAT " HOPEy-CHANGEy" thing workin' for ya' now Dems!!!