long story short, changing from Chase to a local credit union. Go in 2.5 weeks ago to close it, and i swear it still isnt open. Every little pre-authorization, auto-debit, merchant delaying charging your card kicks it back open, and tags you with a fee. Hell i dont know how to close a bank account, i didnt think it was so hard. I guess ill have to put a few grand in there and just let it sit hoping no other activity happens for it to close. What a royal pain in the ass.