Same thing happened with Chase Freedom Card! My interest rate on was 3.99 for the life of the loan and they raised it to something like 15.99 unless I opted out and closed the account, also hidden in small print which I almost missed. I've had a Chase card for almost 15 years! Unless you wrote them a letter requesting to opt out by mid Feb, you are screwed. So anyone with either of these cards and an existing promotional interest rate should check with them - I beleive you can just call them up and they can check your account. Very disappointing but in this ecomony not surprising.