Rate increase from 0% to 34.99% without notice. Changing payment due dates, length between min. payment due dates. Worst of all, we paid credit card completely off, received notice of closure followed by a bill for $204.00 for more interest and ? Could get no help from anyone and those we spoke with were incredibly rude. Advanta then reported our "delinquency" of this charge to all three credit agencies and we will suffer consequence for 7 years. WE borrowed$ 8000.00 as a transfer after offer of 0% and our credit is ruined over $204.00 Absolutely illegal

I have been a customer of the Credit Card company Advanta for almost 7 years. I applied for the card because of a low 8% interest rate and used the card regularly. I noticed the interest rate starting to increase - to 16% the, 25% and on the most recent statement to over 35%. I have not charged on the card in a long time because of the rising rates.

I called to review my account. I have never been late, never missed a payment. The supervisor told me the interest rate was high but a lower rate was not available to me. She refused to offer an explanation, or advice on how to lower the rate except to suggest that I use the card. I have stopped putting charges on the card for obvious reasons, who would use a card with that high of interest rate.

Her explanation for the companies ability to charge 35% was that they were in Utah.

Is this legal?