Just an update about Chase...in general, I have found them to be a compeltely unreliable company...we would totally go with another bank and credit card except that we want those Disney rewards dollars!
Too long of a story to get into here, but we have literally perfect credit, pay our bill in full every month, etc. and get nothing but the run-around from these folks every time we call with a question. Always get different answers from different people, foul-ups, etc. Example: called last month with a basic question and they ended up canceling our cards! Then, it took about 3 weeks for them to "figure out the problem" and get us new cards. Since being taken over by Chase, there are tons of problems...most of which come from the people not being up to speed.
Ok..venting over...that being said, we now have our new cards and an extra $50 rewards dollars because technically we opened a new account (after they mistakenly cancelled our old one)...so at least we get something out of it, but it was a huge hassle.