I CALLED TO ASK FOR A BETTER RATE THAN THE EXTORTIONIST RATE OF 25% AND RATHER THAN PROVIDE ME ONE THEY REDUCED MY CREDIT LIMIT IN HALF EVEN THOUGH I HAVE A THIS ACCOUNT FOR 19 YEARS AND HAVE BEEN MAKING PAYMENTS EVERY MONTH ON TIME. THIS IS EXACTLY WHAT IS WRONG WITH THIS SYSTEM AND I AM CLOSE TO PAYING IT OFF AND WILL NEVER NEVER NEVER USE IT AGAIN. BY REDUCING MY LIMIT MY CREDIT SCORE IS THUS LOWERED WHICH IS TURNS GIVES YOU THE "RIGHT" TO CHARGE ME A HIGHER RATE!! NICE WAY TO TREAT LONG TERM CUSTOMERS. IN ANY OTHER... read full review »