Just took money out of my savings to pay off this "rip off of a credit card company." I carry a personal credit score of 750 with all 3 credit bureaus and do to a mix-up of ONE late payment. They increased my interest from 1.99% to 30.99% When I called and explained my situation; they said once the computer triggers a penalty interest there is nothing they can do to adjust it. That is such "a bunch of bull." There are exceptions to every rule, and if they wanted to keep their good customers they would make adjustments where needed. If this is how they treat a customer with excellent credit; I have no idea how they have any customers at all!!!