I was just thinking that when you PIF every month and have a good credit score ect. you can get a good interest rate on your cc but, if you have to leave a balance (because of job lose ect.) therefore getting a large balance of say 4 or 5 thousand or more (or even less) your cc can then rate jack you and if you want to keep using the card you are stuck taking the higher interest rate. I'm wondering how this can be fair. I remember when I was talking to BoA CR abt my hubbys card and he lowered the interest rate he just kinda laughed when I asked for the lower rate. Now I'm realizing why, they can change the rate at will. Who is running for president that will change this. My guess is no one. Have a Good Day all. Vicki
