I have had my Chase credit card since 2005. I, like many others, was attracted by the 3.9% fixed rate for the life of the balance transfer. I have ALWAYS paid on time, and have even paid above the minimum due. Chase now has increased my minimum due 3X as well as charge that ridiculous $10 service fee (what service?).

It is like a broken record when I call the customer service reps. All they say is that "they can't do anything, that's what Chase has decided based on my account history\"--a history that has no blemishes. Furthermore, they go on to say "well, you can transfer that balance to a higher rate of 7.9% and we'll put your minimum back to 2% of the balance." I ask them why would I transfer to a 7.9% rate and prolong my debt? I accepted the terms of 3.9% for THE LIFE OF THE BALANCE!!! At which point, there is only silence on the so called customer service representative phone line. We have been keeping up our end of the contract and paying everything on time. We have not let our home go into foreclosure, we refuse to go into bankruptcy. BUT I have 2 young children, my husband is facing lay-off, and with this in-humane act that Chase has done (to millions I am sure) my family may not have a home and we may have to file bankruptcy.

So Chase, would you rather work with your customer who has never been late on payments, never gone over the limit...or would you rather stuff your "bail-out" money in your waist-coats and let good customers struggle into bankruptcy so that you end up not getting a cent anyways?

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