[delmarjohn]

he has several cards with 8,000 on 2 of them zero balance....onall doesn't carry it over...when he called chase he got some mumbo jumbo,that evreyone was getting letters ...who knows ...but my neigbhor is the most interesting 820 ..no balances raised interest rate from 7.99.....to 17.99...I know if no balance ..who cares but if you have an emergency for what ever raeson you are now stuck at that rate ...also if they close an account that you haven't used they are in effect reducing your credit score which others pick up on and use as excuse to change your terms ,,,,...but I live in ca maybe geography has something to do with it....but the fed passed new rules governing crdit card companies from some of these practices ....but if you can believe this they take AFFECT in july of 2010...if the practices are unfair why the grace period...well enough about this we are now officially 6 weeks away from our trip ...cannot wait....hooooraaaaa