I got AT&T Universal card when it first came out and I worked for AT&T. They did a great job for years and then in 2008 they started sneeking my interest up. So when I check recently and saw 21% interest I called them. First I was connected to so lady who spoke broken English. I ask her what country she was in and she said Philipines. I ask to be connect to someone in the United States. (More jobs we do not have) The lady answered the phone and I ask her for my current APR. She said 21% and I said that was too high and she the... read full review »