Right before Congress passed credit card reform, US Bank increased the interest on a credit card to more than 23%. We had never been late or missed a payment. When I asked why the rate was increased they said that they did it because of our debt to income ratio. We haven't been late on any of our payments to anyone, etc. I inquired about notification and was told they had sent us a letter a couple of months before they raised our rates. It took several phone calls to get them to agree to put us in a hardship program. For days they told u... read full review »