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Citicard jacked my rate last month from 10.5% to 18%. I called them & ask why. She gave me the tough economy spiel. I said that I would move to a different company & she offered me 11.25%. I've always kept a close eye on them because they like to sneak up the rate & I have to call them about once a year to get them to lower it again, but they've never attempted to raise it that much.
I'm waiting for a good offer from USAA before I switch & ditch Citicard. It's a pity, I've been with them over 15 years & for the most part, they've been good to me. When they did this, I googled their rate increase & found that they are quickly becoming a company I no longer care to to business with. I dumped Discover & Bank of America about 10 years ago for these same reasons.
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Paul
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