I was promised a 7% rate on a balance transfer from Discover. I needed a new roof, mine was leaking, so I took the offer and had several thousand transfered from Discover to my bank account. The 7% APR was suppossed to last a few years, just enough time for me to pay off the debt completely. Problem is that 4 months later they upped it to 24.99% interest instead!! I called and complained as I couldn't afford the new rate. They told me I had payed late on a payment. I looked into my records and found that I had actually payed the payment... read full review »