BEWARE!!! When you receive notification from FIA Card Services regarding your APR--- read the fine print. You may not even know what account is affected. Unless you mail a written notification of rejection of the high interest rate (in my case it was 27.99%), they will automatically raise your rate. This was for an account that I have had for many years, with good standing. They are sending this out to all customers and if you don't reject, you pay!