This is the most rapacious credit card company in the core industry group. I have been a customer in good standing for years and yet my interest rate continues to go up – at 28% currently. I called to complain and was referred to a representative who deals with "hardship" issues. Hardship issues!? And was given the option to suspend the account (read close the account) and make payment at 16% for a 1 year period. At the end of which I would have to re-apply. Re-apply? Worst than loan sharks and Tony from around the corner.