The old "you missed the opt out period" so we raised your rate from 11% to 36 /-%. The only problem is, I never received an "opt out" notice. How do you prove a negative. The only response I received after sending a writen request was a letter stating that my letter was considered a late "opt out" request and they cancelled the card leaving the high interest rate in effect. I had to pay it off at great expense to my company. They have screwed with my account three times in the past and I eventually worked it out. Once before by paying off the balance on the card. I have had more problems with Advanta than all other companies/banks/credit cards combined.
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