I have had my Master Card since 1979 with MBNA, always paid my bill on time and have had substantially high balances that have been completely paid off repeatedly. When Bank of America took over MBNA the interest rate was running around 6% that they upped and after many conversations over a year finally they gave me a 9.9% rate and I had to fight for that. Recently I paid off a substantially amount again and was notified that my rate was going up to 14.9% plus prime tec. I called today to discuss it, was told there was NO, NO negotiating and... read full review »