I have had a Paypal Mastercard (really Synchrony Bank) credit card for about two years now. I recently discovered that they jacked up my interest rate to 24.75% for no reason (other than to get more money from me). I have been very careful to never miss a payment, and never be late on a payment, and never be short on a payment, because I have been building up my credit rating in preparation for buying a house. If they wanted $125 minimum payment, I gave them $700. Nevertheless, they raised the interest rate to almost 25% without cause. I signed on for 18%, but that wasn't enough for them, apparently. Time to get another bank and another credit card.