Chase does suck!
We were never late on our card and always paid hundreds if not thousands more than the minimum. I booked a vacation, couple thousand dollars, using the card and then had my rate jacked up to 20%+. I called Chase and asked them why they jacked up my rate and was told that it was because I was now a higher risk since I now had a higher balance. We paid off the card and closed the account in person. The poor Chase representative knew we weren’t happy.
Now we use a low interest no annual fee BOA VISA card but we never carry a balance. We get lots of cash back. Make your money work for you!