I have three cards. Have never been late. Have always paid immediately upon receipt of the bill. Always way more than minimum, and sometimes if I had extra, I'd pay some more at the end of the month.
Paid them all off about two months ago. So I get my notice from B of A that my interest rate is going up I guess 'because its in the user agreement that they can change things when they want for no apparent reason'. :shrug:
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