my credit score hovers around 700 and after much research, approximately 2 years ago I took advantage of a promotional offer 0%on balance transfers for 15 months.following the promotional period the interest rate on the balance of my account was 7.9%. Following approximately 6 months payments at a 7.9% rate, without notice or provocation by interest rate was raised to over 35% -- I was shocked and could not believe that any rate that I was even legal! The problem was that I had not been closely scrutinizing my payments and it was several... read full review »