I have a NextCard account and when the promotional period was up, they raised me to 18.9% or something obscene like that. I called them on the phone (number on back of card) and asked to speak to a supervisor. I told her this was unacceptable and asked if they could lower the rate (especially since EVERY time I turn on my computer, there's a NextCard ad, offering 2.9% and 9.9%). They gave me 12.9% fixed rate. It's not the best rate, but it's better than lots of others. Try calling them.
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