djh, WAMU is notorious for it's rate jacking, especially if you carry a balance. They rate jacked me all the way up to 31.99% and I was never late, never over the limit, etc. etc. I only put up with that baloney for a few months before I PIF and shut it down!!! It seems like they want to make up for those 0% Balance Transfers. Once your promo period is over they turn into a Jeckyll/Hyde!!! They also hate high utilization!!!