Increases in interest rates, started at 7.99% they slowly increase rates, than stating changes in credit rating they have to increase rate to 34%! unless you opt out. They stated that we paid late, (Never had a late payment), we did not pay enough over the min. payment, (we always paid 2-4 times min. payment). We opted out, cancelled the card. Advanta Bank reported to Equifax we were cancelled by them. I would highly recommend not doing business with this Bank, we filed a complaint with the FDIC and of course they can not do... read full review »