The term the banking industry used on you is called "Universal Default". Universal default basically is the bank or CC saying "Whe have the full right to raise uor rates if the consumer MIGHT NOT repay us."
You need to see if your CC is one of those banks that fall in that category otherwise you need to read the Disclosure Statements...IT IS IN THE FINE PRINT! That is how they get you and your situation is EXACTLY what they were waiting for.
