I signed up for my Chase Visa card because of the attrative interest rate.. However the smoke and mirror effect quickly wore off. The interest rate was 9% and being it was my first credit card i figured it was a pretty good rate. It was a fixed APR.  Myself like so many others have hit a slump in income recently. I have always maintained a balance on the card over a 2 year period and always payed more than the min payment, never late, never missed. But I goofed one month and was a little shorter on cash than I anticipated and my paycheck didnt clear in time for my payment to go through. The check...