Tornado Alley (PROG)

[Zorax]

I had a card years ago, sears credit (not the store card) but card through their bank. I went a year with perfect paydown, never late, stayed off that card and the whole year was perfect for everything. Last month of that year, the card raised my rate from below 10 to 18 percent and my credit score went down at the same time. I contacted a living being on the phone who I had hand me off to her boss (supposedly) and the explanation was inactivity of use on that card. Not even a full year. No letters or warning through out the year.

In that same period of two years I had another major card raise rates with the same perfect record. When I contacted them it was because I was late on a home depot card in that period. And I mean a day late, not 30 days. But in credit and banks, an hour late counts as a month late. It's just how they do it. The home depot card was not associated with the other credit card in any way, bank or affiliate. You'll find banks cross over on ownership of different stores and gas cards and such.