I raised a red flag by trying to transfer a balance to a lower rate.

Chase offered a low rate for 2 years, and I requested the $5K I had left to move onto the heathen Blue card from American Express.

First, their fraud department called to verify.

Then they sent a letter that they were refusing the transfer and lowering my credit limit to my current balance. (a reduction of 5K-plus!)

So, now I have another offer from Bank of America for an under 10 rate, but I'm afraid to try to make a move out of fear that the same thing will happen.

I am trying to stay positive.....someday I will pay off my credit cards....