Crooked!The same day I received my 37 percent Christmas present increase from Advanta I also received a account verification which I had not opened from Take Charge America a so called credit counseling company.When I called them the first question was what is your interest on your Advanta card and great they work well with us.They always drop the rate to 0 percent.Backed in a corner is what I call it.Gee surrender your cards and pay all the money back twice a month any cards above 9 percent they say they can have them lowered.But Advanta they... read full review »