Wntrrn,

Seems like reducing the credit was Chase's way of asking you to cancel the card. Pretty retarded. Why didn't they just cancel it? I tend to dislike banks. I use a credit union, but carry an REI Visa card which is from US Bank. I have a low opinion of US Bank, but I compromise and get the 1% added to my annual REI dividend. Kinda' tangential to the credit score topic.

Sg