I have been a loyal Cabela's customer for years and always used their World's Foremost Bank credit card for purchases to earn points. I never was late with a single payment and always paid more than the minimum, in other words, a good customer. Out of the blue they raised my interest rate to 21%! This is just another example of a big heartless bank that will toss away loyal customers at a whim. Do yourself a favor and do not deal with these people!