I can't describe the insanity of what the largest banks are doing during the grace period before the CARD Act of 2009 goes into effect. My interest rate was raised arbitrarily to 19.99% for no reason other than to make more profit. This happened even after I OPTED-OUT and closed the account: Just listen to the insanity of this call to Chase Bank Cardmember Services.
http://www.youtube.com/watch?v=4tlfSlgW61c&hl=en
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