Received my statement today (1/8/09) and while I just checking out all the money I spent for Christmas shopping I thought that the finance charge was a little higher than usual. Took a glance at the rate and to my disbelief it read 10.99% ---What? What's up with that I thought. Wasn't late on my last payment, didn't remember seeing any notice on the last bill (I rechecked) and didn't receive any letter notification about any increase. Call up customer service- speak to a rep and ask her why did my rate increase 3... read full review »