Included in my wife's bill was one of those little cards you usually just glance at. This one, if we're reading it right, says her rate will raise from 13% to 22% sort of out of the blue at the end of the month. Long term customer, never late, double the income she had just a couple of years ago, etc. Does First USA have some sort of strange credit conspiracy going on? She'll be making phone calls tomorrow. We just found it strange and wondered if anyone else had this happen.