GM raises its rate from 9.9% to 30.9 % without any courtesy phone call after a late payment. They, according to them, do not have the customer service power to make such call, nor they can they send an email warning or reminder. despite me signing up for all the alerts possible, no warning was issued and the rate changed with no notice. If I had not researched the APR which is not on the statement online unless you ask for it, I would not have found out. Customer representative was arrogant, refused to give her full name, and claimed 30.9% wa... read full review »