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After paying my BOFA visa card faithfully for over 3 years my interest rate was arbitrarily raised from 9.9 to to 25.9 percent. I have not been late on this or any other card and maintain a FICO score of approximately 700. However based on my credit report I was advised my interest rate was raised. As a person that does all my banking online I was not aware of the increase until it was too late. Since I failed to review the attachment of account changes that was hidden online I am just out of luck. Having a decent credit rating and paying on time is no protection from a rate increase. I guess we know why BOFA is doing well while the other banks are in trouble. I take responsibility for not reviewing the online statement closely enough but was under the misconception that if I was able to manage my bills and paid on time that I would not be penalized. Big mistake. Buyer beware.