ON WIFE'S CARD...they already started the 18.99% interest rate...after the 3 months of 9.99%... It was supposed to start 08/15/01... Statement closing date 08/23/01...has interest 18.99%... IT WAS OVER PAID (BY $100.00 ) BY THE 08/15/01 DATE... I WOULD E-MAIL THEM...BUT THEY WILL SAY THAT IS WHAT YOU AGREED TO!!! I WOULD WRITE THEM...BUT THEY WILL SAY THAT IS WHAT YOU AGREED TO!!! I WOULD CALL THEM...BUT THEY WILL SAY THAT IS WHAT YOU AGREED TO!!! PFB WON'T WORK EITHER!!! They already don't know that you don't give a 741 F.I.C.O. customer an interest rate of 18.99%!!!