They are upping my purchase apr to 22.98%. WTF are they thinking? First they start charging bt fees, now this! About a month ago, I was going to convert to the quantum card at 13.9%, but I would have lost my current bt rate, so I cancelled the conversion and told the rep I would do it after my bt rate ran up. Now they want me to pay 22.98%! They are really out of their minds.