They do everything in their power to increase your APR
They hiked my APR from 8 to 30% even though they rec'd documentation from my primary bank that I had fraud on my primary checking account which resulted in one payment being returned to them. They charged me over $120 in late fees and increased my APR from 8 to 30% even though I was told that if they rec'd documentation they would reduce these fees.
The documentation was sent to them several times; they say they haven't rec'd it.
(they are lying!) They don't want to receive it!
My monthly payment to them was only $11.00 which I'v e paid each month on time since receiving the card.