Sounds like whining to me. You seem to forget as recent as 3 years ago prime interest rates were 8% more or less. Now since you said your rate was 3.5% how many times did you post telling how your rates were lowered by BB&T. I see. You didn't.
You admit times are tough and you have lost lots in the market. Now being a non-banker I would say that you became a more risky customer and I would increase your rates form 25% a month to 50%.
You don't post when your rates were cut, you post bad mouthing BB&T when your rates are raised. Yep, that is whining!!!