NEW YORK, NEW YORK -- I have had a Chase Visa for years. And like others out there they have done the same seemingly predatory lending tactics on me. They have continuously raised my APR, refused to reply to written demands for the paperwork or sources from which they based these demands, offered me low-interest transfers and instead raised my APR and never supplied the low rate - bait and switch. I am negotiating a class action suit. If you feel your consumer rights have been violated, feel free to let me know by dropping a reply here.