They increase the interest rate w/o any notification or option. Then they bill you at the new rate. The trick is they keep the Minimum payment $number same or slightly lower than a month before and tack on almost 50% more interest (in my case 41.50% more)than previous month! Mother fcuking crooks! Only in the USA! Not Legal! Fcuk back! I will! They think they can sneak in a real scam legally...but it's not legal!
Shit, the way things are in Cali regarding unemployment, upsidedown mortages and paying state obligations with IOUs, anyone living there should consider themselves lucky to be extended unsecured borrowing PRIVILAGES at any rate of interest.
No one says you have to borrow money. If you can't pay back what you owe don't borrow. How much would you want for interest if someone borrowed money from you. Quit wining because only in the US do you have these rights.And you probably never did anything to deserve them.