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If you find 4.75% objectionable then get credt cheaper at another bank (if you can) whiner.
In!!! are you at it again? I can only wish upon you the same. Keep up the slumming and all that is and will be, could only return to you.
C has raised rates twice, BAC once, and just announced a huge increase on June 1st, for their remaining customers many of whom will have their accts closed. This could be a heart breaker for numbie