Every consumer with credit card debt fantasizes about having it magically wiped away. For customers with Canadian credit cards from JPMorgan Chase, the dream came true: The bank said this week that it had erased their remaining debt as it closes down its credit card business in Canada.

Recipients of the windfall reacted with a mix of elation and shock. “I asked the rep on the phone about five times if she was sure all was truly forgiven,” one posted on a personal finance board after seeing the $883.67 balance on her card drop to zero. “Her reply? Take it like a gift.”

A Chase spokeswoman, Maria Martinez, confirmed the freebie. “Chase made the decision to exit the Canadian credit card market,” she said. “A further business decision was made earlier this year to forgive all outstanding balances in order to complete the exit.”

Chase stopped accepting new applications two years ago for its two Canadian credit cards, which were co-branded with Amazon and Marriott. In March 2018, the bank closed its existing accounts and blocked customers from incurring new charges, but it continued collecting payments on the remaining balances.