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so it really said to call if you don't want your rate to go up?! That may not be true for all credit card companies...

Last year Chase sent me a letter saying they were going to increase my interest rate, BUT I could refuse the increase if I wanted. I called the bank and asked if it was for real. Yes, it was. I told them I did not want an increase, and I didn't get one. I throw away a lot of the literature I...