The big laugh I had with Chase earlier was when one day I opened my credit card bill to see that my APR had shot from 12% to 33.33% in one pay period. Why? Good question! The phone rep couldn't explain it, or their manager, beyond "we've reviewed your credit ratings which have reflected in the changes to your rate". I didn't default on a loan, go bankrupt, lose my job, make any sort of late payment to *any* of my accounts - Chase or otherwise - or for that matter have any changes to the way I did business.

They just decided, pretty much out of the blue, to rack the rate up. So I got the hell out of there and jumped ship to Citi and (lucky for me) USAA.