I got a Credit card (small business) from Advanta Bank in May 08, caught by VERY attractive offer on balance transfers (0% for 15 mo) and good rate on purchases (7.99%). In Sept I received a GENERIC amendment to CC agreement bumping my rate to 26%. Customer service - including supervisor - claim this is based on an individual review of my credit rating, income/debt ratio and payment history... YET all the above are excellent: I've been paying more than min payments on time or early -EVEN THOUGH PAYMENTS Go towards the INTEREST -FREE... read full review »