My account too was closed. Now, my oldest card- chase- has closed my account- due to my credit/debt ratio. I kept this Aspire card open for an emergency, now, I'm really nervous all my other cards are going to do the same. Unfortunately all of them are sending me letters raising my interest from anywhere from 9- 27%! The card actually said if i can pay down my debt that they would re-open. Yeah right, how is that possible with raising rates and now my husband out of work. It really stinks that people who are still making ends meet (barely) are thrown under the bus. Thx for this info- I will call the FTC and see what can be taken off my credit reports, but think this is only just beginning...