Reply #16: I appreciate the gesture, but this should have been called out a few months ago.

[wisteria]

Most credit card companies are currently in the process of raising everyone's rates before the new laws go into effect. I got hit with two this month alone. The rates weren't a point or two, but more like four or five points more and I pay my amounts due on time. I have two cards that now carry 29.99% interest rates. I intend to pay them off and then tell them to go to hell. I will never again get caught up in the credit card debt.