Credit Card Agreement Changes. Reminder! Anytime you receive interest rate increase/change notices, know that YOU CAN OPT OUT of these changes! You have 45 days to call and tell them you do not accept the change. However, if you make any additional charges to the account, that invalidates your OPT OUT. In addition, if you opt out, when your balance is paid off, they will likely close your account (which probably won’t help your credit score). May be worth it anyway. Most of them are not willing to negotiate on the rate, though some are if your credit is good. Sometimes, you have to ask for a supervisor and go up the line. Doesn’t hurt to call and ask!
Many Blessings & Much Prosperity,