My wife and I have had over a 720 credit score for than five years. My own at this very moment is 777 with two agencies and 781 with another. I know this because this bait and switch bank just raised my interest rate from 6.99 fixed to 24.50% variable with no explanation even after I sent them a copy of the reports. I recently used this credit card for a home remodel project where I did use 70% of my available credit, but why offer it a large credit limit to me if they don't want me, the customer, to use it. I have several other card... read full review »