Ive posted a little on how sick Ihave been was in the hospital and in pain. i pay my credit cards on line and ended up too sick to pay on time. Got a notice that becuase i paid late a couple days two months in a row, that my interest rate went from 7 percent to 29.9 percent. I called and told them I was IN ThE hospital . and the events leading up to the hospitalization were not too good. I paid them 4 times what I owed. I had the option of cancelling the card at he same low interest. I did. I told them I refused to be punished for being ill.