I hate this company! They did the same to our small business a couple of years ago after they continually increased our credit limit. After several attempts to lower my rate from 30%, they finally brought it down to 19.99. I've been trying to pay off my balance with timely monthly payments which are way over the minimal. Was late by 2-3 days with 2 payments in the last 12 months and now my APR went from 19.99 to 29.99. Contacted Advanta - no help! I'm already signed up for a class action suit again them but I want to know if I should continue to pay off the balance. read full review »