Strange as it may sound Chase has not tried to change any terms, credit lines with me and I like that, but it seems like the rest can not seem to not stop trying to change, in fact I just got a letter again today from a cc that I have, a list of new changes. I have shut down most all lines now except for Chase and USAA. So does this mean I should wave my Chase cc to get better service at the store.

In the new world of credit, Chase is pursuing the very upscale clients. After the credit meltdown, they refocused efforts to upscale the card base (look at the new JP Morgan Chase Bank Cards on their website) and pursue the elite. They also are NOT interested in clients with challenged credit. As we see fewer card issuers, we see fewer options to obtain credit. A note of concern for those new to credit or re-establishing themselves.