I responded to an ad for 0% interest for the first 12 month billing cycles.  they approved me and increased my credit limit within the first month.  When I called in to check on my balance, I was told I had an APR of 23.34%, not the 0% advertized.  I was told to write to their 'Correspondence Team' which I did but it was never resolved to my satisfaction, and I ended up closing the account.  What made it worse was that when I tried to contact someone to let me know what was going on with my complaint, I was told, they don't take phone calls.  I could not wait around to hear from them, until...