Advanta is the lowest of the lows. They epitimize the troubles with unregulated corporate banking today. They have jacked my interest rate from 0% to 9.99% to 24% to 37.5%. I too have had no late payments from any creditor EVER and they gave me no explanation either. Unfortunately, I'm not sure that I am in the position to pay that interest rate back in which case they will eat this! I feel bad, but not that bad. If a company wants to put the screws to its clients, they should get ready to eat a lot of bad debt. [email protected] read full review »