www.creditcards.comI think the credit cards people the big people of these company, is scaming their customers by raiseing the arp up befor the rules are set, i cant believe how high they are, I cant believe how they can get away with that i will never be able to pay off my cards with that late charge and arp rate, the big company people have a lot of money but not giving us small people a chance to pay off our balance I tknow they are all scaming all of us and should be stop right now,also the other card like fashion bug credit ,wal-mart,radio shack,they all have a rate that keeps going up and no one can ever pay them off with their high rates,we need to stop them today not the end of the year.by a very upset coustomer.heartsweetlol46@aol.com