As Of 09/23/2009
Purchase APR 6.74percent for years

As Of 10/23/2009
Purchase APR 11.24percent

Date:
11-06-2009 19:42:55

From:
Credit Card Support

Subject:
Re: Account Inquiry

Message:

Dear Jamie Olsen:

Thank you for your follow up email regarding the increase
to the Annual Percentage Rate (APR) on your account.

As you are aware of today’s changing economic environment,
we are also constantly evaluating the costs of making
loans. We are also evaluating changes related to new
government regulations. When necessary, we have to make
changes to pricing, promotional terms, terms or credit
lines based on these costs and risks in this current
economic environment related to lending money.

Accordingly, we are confident that we have operated your
account in compliance with all applicable laws and we
regret that we are not able to honor your request to keep
the original terms.

It is our sincere hope that in the future months to come,
we will be able to offer more satisfactory Annual
Percentage Rate (APR) terms. If you have any further
questions, please reply using the Secure Message Center.

Thank you,

E. Badillo
E-mail Customer Service Representative

1-800-436-7927

Account is owned by Chase Bank USA, N.A. and may be
serviced by its affiliates.

my emial to CHASE:

Date:
11-05-2009 14:51:53

To:
Credit Card Support

Subject:
Account Inquiry

Message:

DOMAININDICATOR:COL
ATTACHMENTSIZE:0
ECI:0138059069
PCUSTSEG:POH
PRODTYPE:CCS
PRODUCT CODE:080
SUB PRODUCT CODE:001
ACCOUNT NUMBER:xxxxxxxxxxxxx5469
PEC:90001
ACCOUNT INQUIRY:Other

What are the reason s that MY APR went up? JAMIE OLSEN
3520 S EMERSON ST
ENGLEWOOD CO 80113 3921

As Of 09/23/2009
Purchase APR 6.74percent for years

As Of 10/23/2009
Purchase APR 11.24percent

I pay more than the minimum every month. Please give me a reason?

cc: home file / H.R. 3606 / Credit Card Bill of Rights