Ripped Off!!! I had a credit card eight years ago I did not pay for $500.00. Plains Commerce Bank sent me a credit card saying this old credit card would be voided and I would start fresh with my credit. My first bill showed a balance of 1800.00 when I called about it they said the old company added up all my interest charges and that is what I owed. It has been three years paying and I still owe 1700.00 the interest rate on this card is 29%. I just call this card company and asked if I could speak to someone about the interest rate and was told no it is a fixed rate and there is nothing you can do. So when I asked if someone could help me with this she said no. So I am stuck because I have cleared up my credit except for this one account and I can not get any help for a credit card that started out to be 500.00