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Maybe it's time to write a letter and see if I get anywhere. Despite the fact that the rate has no affect on me, it still ticks me off that they think I deserve that kind of nosebleed rate.

FWIW, Chase did this to me a few months ago. My rate went from 5.99% fixed (ha!) to the default rate of 31.99% for no reason. Nothing had changed; I was still paying that card in full each month and the rest of my debt was being paid down and on time.

I wrote to Chase and asked to keep my 5.99% rate but I also told them if I couldn't, just close the account. They closed it; guess they were just losing too much money on me. ;-)

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