Call me an idiot for letting you do this to me a 2nd time. It appears if a customer starts making minimum payments or is nearing their limit you jack up the interest rates. For no good reason, you decided to increase the interest on my acct, and at a time when interest rates are going down all over the place. I never been late on a payment, and my credit rating is excellent! The supervisor in customer service refused to refer me to her manager, or even give me her manager's name. You obviously do not want to discuss your policies with your customers. Jacking up interest rates is an unfair practice. Why in the world would you feel 15.25% interest rate is justified at a time when mortgage rates are under 5%? You are gouging your customers... And furthermore you know it!
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