Yeah same thing happened to me. I noticed the new APR and called they told me I could still opt out via an extended grace period, if I decided within two days, as that's when the period expired. Remember this, I talked to 3 people within the 2 day period who all said I could opt out. I decided to opt out, come to find out the next statement, the APR is still in effect and my card was now closed. I called back with the WTH response and was told I didn't opt out by the date on the letter was sent (the letter I actually never received), I explained I never got a letter about this. I was told it came with my statement, I said I'm paperless, I was told I got an email, I never got the email. So it was a bunch of talking in circles and in the end she told me I missed the date and I said I would try calling back or could I speak to someone else. Her response? Everyone will tell you the same thing. My response? Oh really? If that's the case why did three people all tell me I still had the option to opt out? No response.
End result, my account's still closed, APR still 20% and I will avoid banking with Chase as much as possible. The real kicker is they just gave my bro who just turned 18 a Slate card with 5K ( I think because he was an authroized user on some of my accounts then I removed him once he turned 18). So it's pretty obvious they're setting up debt traps, stepping all over current customer and creating knew ones to suck into the black hole of doom 