If you're a Chase credit card holder and you received a "Change of Terms" notice in your recently mail, congratulations.

Your default APR is going up to 32.4%, but you can opt-out if you send them a letter by November 24th. Your account will not be canceled if you reject the changes.

If you threw away your notice, we posted it inside.

Check out Mouseprint for a deciphering of the other changes listed in the notice. — BEN POPKEN