Chase is bad don't go that rout! I went over my limit once and they hiked my rate to around 30%! i have great credit and always pay on time. I did the same thing with my USBank credit card and they just raised my limit. Guess I got spoiled. But a thing was on our local news here in WA about how a lot of people are angry with chase for hiding so many penalties in fine print. You mess up once anywhere with chase and you are done for.