They hit me too....12.74% up to 29.99%. No negs, lates, etc. on my credit report. When I called to inquiry why, I was told it was because I recently filed for bankrupcy and Chase was trying to recoup what I owed. I denied the accusation simply because it wasn't true. I also cited the new bankrupcy laws, credit counseling requirements, etc. Nothing of such appeared/appears in my credit history. At that point the CSR started reaching for a justified answer..."You must have recently experienced a financial hardship?" NO! "You're probably going to experience a hardship soon or you're thinking about bankrupcy?" NO!!! Since then I have called at least once a month to reduced my rate, but they refuse.