Lowering of credit limit than not even 2 months later raising interest rate to 29.99 percent. Payment was credited to wrong account and almost daily phone calls, even after payment has been made. I cannot understand the people I am speaking, and I don't believe they can understand me. Apparently, the only english the know is "would you like to schedule a payment now", nevermind the fact, I had just made a payment 1 or 2 days prior. I have been hung up on when I mentioned contacted the FTC and have already contacted my state senator. They also refused to let me speak to a supervisor. I have many other problems going on not just with my family, but, I am having test done to find out if I have a terminal illness, they don't care. I have told them, I can't handle the constant phone calls, especially when I am paying my bill!!! I told at least 3 different people today alone one of them being a supervisor, that they are driving me to sucide, no joke, they said they were sorry. I need help asap!!! Thank you.