How much are you paying for your Visa card? Are they giving you enough options? Are the payments affordable? Do they offer perks like ScoreCard Points? Have you been hit with an over-the-limit fee that made you mad? Do you get too much junk mail?
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Each one of my credit card which i have 4 had the interest rates rise from 7.99 to 21% and I have even had my credit limit droped to the balance. One card was droped from 5000 limit to 850.00. Figure that one out. I have never missed a payment or been late on any account.