Piracy is the word best used to describe how we have been traeted by Bank of america. We have a credit card with 9% apr. We have never had a missed payment or have been late. After looking at this months statement the APR went up to an astonishing 21%. We called right away and here was their reply. In sept there was supposed to be a notice that if you continued to use the card the APR would go up. They must have put it in micro print because We never saw it. They also stated that their cost of business was going up. Now we feel we are a victim of cooperate piracy. Our other cards are below 10%. So spread the word. read full review »