I've been a chase cardholder for many years and never paid late, paid off the balance each month and used it for personal use only. I received a letter accusing me of using it for business. They closed the account. Never have I done that. I can't believe that the leffer accused me of something I didn't do. I have closed my other accounts with chase. It's extremely dissappointing on their part. I can imagine that people that pay late or don't pay their bill and may never be able to pay, still have an open account. So they're treating customers that pay their bills like this. No wonder the banking industry is so messed up and needed government help. JS