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I am so thankful I recently paid off my FP cards and closed them both, as I received a notice in the mail today that effective 9/1/2011 my APR will be increasing from 9.9% to 20.15%! The reason is due to changes in market conditions. A new APR and the monthly fees... forget it! Again, so glad to have put FP to rest!!!!
I just called and canceled mine 3 hours ago.