I had been struggling to make payments the past few years but had only missed one payment, however master card changed my normal billing date of the 24 of each month to the 14 without notice. This allowed them to increase my interest rate from around 19 to 26 percent because now I had missed 2 payments.(keep in mind the billing date changed back to the 24th for the next month.. It is now coming up exactly one year that I have not missed any payments and under the credit card rules they are suppose to lower my rate down to the original rate. Guess what !!! They changed my billing date again so I would have missed the final payment to have once year of clear payments... however, I made the payment on time because I just happened to call into the automated service for my balance and due date... This should be considered criminal.