I have had A US Airways Credit Card (VISA) for over 15 years - have always paid on time, and in some years, barely even used the card. In early 2009, I was contacted by a US Airways VISA rep on a call and offered a magnificent deal - a cash advance of $26, 000 (for a one-time fee of $750) and a GUARANTEED LIFETIME INTEREST RATE of 2.2% (as long as payments were made on time, otherwise, a "penalty rate" would be imposed. Very shortly after I accepted this offer, I lost my means of employment, but continued to pay my bills on-time... read full review »