Advanta Bank is criminal. My rate went from 9.9% to 37.17%. Their corporate headquarters is in Pennsylvania but they use Utah for credit card customers because, particularly with corporate credit, Utah's Usury Laws are poor at best and allows them to charge any interest rate they want, according to them. The spirit of the consumer Usury Law in Utah says a maximum rate of 10% is allowable but Advanta thinks they are untouchable with business lending and apparently the Utah Attorney General has done nothing to curb what I consider to be criminal behavior. I have filed criminal complaints against Advanta with the Pennsylvania Attorney Generals Office as well as the Utah Department of Financial Institutions which regulates Advanta found here: http://www.dfi.utah.gov/Complaints.htm. I had never missed a payment but told them I will never make a payment again unless they reduce their rate. The fed has lowered the prime to 0.0% and greedy bankers at Advanta are simply criminal. I am making a stand.