AT&T Universal Card raised my interest rate which invariably increased my minimum payment due. I called them about this and indicated that I felt it was unfair. In return, I paid the new minimum payment due, however, they did not lower my interest rate. They also removed my available credit. I felt this was unfair because I have never been late on my payments and I always, always pay at least $20.00 over the minimum payment. Sometimes, I even double the payments each month. Therefore, I feel AT&T is only out to make money on their credit card clients. As a result, my goal is to pay off the entire balance and never used this card again. Thank you.