i was watching c-span about three weeks ago, with cap one, bof, disc, on there about why they are upping aprs, they call it (credit risk) what a joke, bof raised this ladies apr, 8% to 27%, just because she opened two other ccs. they said she was a credit risk, because she was making min payments. what a joke these ccc are. i use bof, never had any promblems with them, it made me sick though. they didnt pick on cap one though, they dont change your arp, because your late once.
