Something similar happened to DH last April/May. He had a Chase Platinum at 9.9% for quite awhile. We had not used it or had a balance on it for at least a year since we had several better rate cards available. In April Chase send us new cards (without our asking) "upgrading" us to Chase Ultimate Rewards and lowering rate to 7.9% because of our great credit blah blah blah. It was a different card number and not at the expiration date. The letter said to immediately discard old cards.This next part is OT but weird: We decided to start using this new card and made a couple of very small purchases. In June the first bill came but inside was a tiny Change of Terms paper. They were upping the interest rate to the default rate of 22.9 (or 23.9 don't remember which). I went into panic mode and immediately pulled our Experian reports (that they mentioned in CoT paper) to find our scores were 789 and 790 and no delinquencies or any type of derogatory info. DH made a couple of unsuccessful calls to Chase and then received a letter saying that they did this because of delinquency/ies. I sent them the first couple of pages of Experian and essentially said "show me where". Received a letter a month later saying returning rate to 7.9. No OOPS we're sorry or anything.We watch Chase like a hawk now.
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