Recently I received notice from Citi Card that my interest rate was jumping to 19.9%. Even though a person has an excellent payment history on all cards and is never late(and if so only a day because of the time frame in paying on line), they are punished because the companies know that this person will do everything in his or her power to pay their bills on time. They will work with you only if you are delinquent and just don't pay at all. If these companies cared about the consumer they would check histories and see if the person is sincere or just a scammer. They look at your credit...
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