I GOT RATE JACKED BY CAPITAL ONE, YES I DID.
I GOT THE LETTER LAST WEEK, MARKED "IMPORTANT NOTICE FOR CARD ENDING IN #XXXX.
MY CURRENT 7.62% WILL RAISE IN APRIL TO 15.99%. THE LADY I CALLED SAID CREDIT CARD COMPANIES ARE GOING THROUGH SOME HARD TIMES NOW. duH!
I HAVE HAD THE CARD ABOUT 6 YEARS, MOST OF THE TIME DO NOT CARRY A BALANCE, WHEN I DO I PAY MORE THAN THE MIN. PYMT, AND PAY IT ON TIME. I KNOW IT IS LEGAL TO RATE JACK, BUT IT SEEMS IMMORAL. THEY HAVE LATE FEES, OVER LIMIT FEES, AND WILL RAISE YOUR INTEREST IF YOU ARE LATE ON PYMTS. BUT IT DOES NOT SEEM RIGHT JUST TO BE ABLE TO SET A DATE AND RAISE A BUNCH OF RATES. I CAN DEAL WITH THE PLAY BY THE RULES OR WE WILL SCREW YOU WITH HIGH RATES AND FEES, BECAUSE YOU CAN CONTROL THEM.
ANYHOW, I DO HAVE THE OPTION OF CLOSING MY ACCOUNT, AND ANY BALANCE ON IT CAN BE PAID OUT AT MY CURRENT LOW RATE. MY INNER DEVIL IS TELLING ME TO BUY A FEW THINGS BEFORE APRIL AND RIDE THEM OUT ON LOW INTEREST. HMMMM......!!
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