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Welcome to the board... You are doing quite well with your paydown, don't let this obstacle stop you, I am sure you are not the first victim of the old "6-month-review, oh-wait, your-utilization-is-up-so-we-gotta-triple-your-rate" trick.

Chase did this same thing to me not less than 2 weeks ago, even though my balances have decreased (albeit slightly) on all my cards, but my CU came through for me with a signature loan to get both of them to 0. I previously called Chase and told them this would happen, and I was all too ready to go through with it.

However, in my case I have to close one of the Chase cards, since it was for a small business that is no longer operating, but the other personal card I will allow to just reset with no balance and throw it in the freezer with my other cards except one for an emergency since it is my oldest card!

Best of luck on your continued success with your paydown (and additional savings, I assume as well),
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