We got our Chase rewards card about  a year and a half ago. We finally got ourselves debt-free and decided to simplify our record keeping by charging everything to a single source and paying it off at the end of the month- and earning cash for our purchases to boot with their rewards program. And for awhile all was well.

We've never been late with a payment, we have never come near to approaching our credit limit and we have never carried a balance. Our reward: they started declining random charges last week.

The three customer service people I have had to deal with in the last week all sing...