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None. I went to make a charge on my credit card in XXXX CA from my Chase credit card which I had ample credit and an excellent credit score and it was denied. I pay {$95.00} per year to use the card and they denied it. They later informed me it was denied because it was not my regular spending pattern. I was embarrassed in front of my colleagues and used \ another card. Chase is charging me for a card I ca n't use because I made a a large purchase???