JUST THIS PAST MONTH, MY INTEREST RATE ON MY VISA CARD WAS INCREASED BY APPROX. 6%.  I HAVE ALWAYS TRIED TO PAY ON TIME, EVEN BEFORE DUE DATE, AND 80% OF THE TIME PAY OVER THE MINIMUM AMOUNT.

I KNOW THE ECONOMY IS IN BAD SHAPE RIGHT NOW, BUT INCREASING THE INTEREST RATE IS NOT GOING TO HELP ME.  I AM FORCED TO LIMIT THE USE OF MY CARD IN ORDER TO GET THE AMOUNT OWED DOWN.  I KNOW IT IS A PRIVALEGE TO HAVE THIS CARD, BUT THE FINANCIAL INSTITUTIONS HAVE BENEFITED FROM THE CASH PAYOUTS BY GOVERNMENT, NOT ME. 

DO NOT MAKE IT ANY HARDER ON ME THAN IT ALREADY IS.