And like in the beginning? It was ok? 12K cl, 9.24 apr and NO 2 cycle avg daily balance? But like I don't use it alot - because i have better cards - and in any case I always pay it off before the statement? And I have a zero balance on it? So like yesterday? I get a change in terms notice? They upped my apr to 9.49% and will implement the dreaded 2 cycle avg daily balance? All my scores are in the mid 700s? So like i'm thinking? This is soooooooooo not the way to get me to use their card more? WHATEVER!