After years of paying on time, a good FICO score and NO delinquencies on my credit report, Advanta sent a notice that unless I write them a letter and stop using my card, the rate will increase to 32.69% PLUS LIBOR rate or 2.4%, whichever is GREATER! This means a new MINIMUM RATE of 35% or MORE! Let's all write our congressmen to STOP this madness. These rates are as bad as the 'vig' a loan shark would charge! read full review »