seriously - it seems quite a few banks are trying to get away with whatever crap they can pull out of a magic hat. My primary credit card (issued through a *name witheld* bank), was quite good for the last 5 years I've had the account open. It had a APR of 11%, no fees of any sort, I've payed my bills on time, never defaulted, never over limit . . . and for the last three months, the account has been payed in full (balance of $0 due). Well, early this week I recieved a letter from said bank, claiming the were raising my interest rate to 26.3% (which is a complete, effin joke). After calling them, they couldn't give me any more details other than "you're a high risk account." Yeah, I guess my credit report is that friggin excellent they were afraid they'd never make any money off of me . . . and guess what, they're still not going to. Went to my credit union today (same credit union I handle any loans, savings and checking accounts, etc. with) and opened a VISA credit account with them, to now act as my primary card . . . I was given a fixed APR of 8.99%, no fees, with a limit twice that of my other card. Called up the bank and told them they can screw it. I'll keep the account open for credit standings (instead of just closing out), but will only use it once every 3-6 months for something stoopid (like a bottle of soda), just to keep it active. beware, banks are trying to get away with highway robbery right now. It's time to take a closer look at credit unions.