I am an attorney. American Express raised my rate on my Optima Card without giving me the option of "opting out". I have never been late with a payment. I believe that they have violated the terms of their credit card agreement. If you had a low promotional rate and they raised it, even though you have never been late, they did not give you the option to "opt out" and you would ike to join me in a lawsuit, please contact me at the following e mail: [email protected] . read full review »