"Thank you for contacting us regarding your NextCard account. This responds to your recent inquiry. You recently received a new Supplemental Disclosure advising you that, among other things, the annual percentage rate on your account was changed. The change to the annual percentage rate on your account occurred as part of a change in NextCard account terms which NextCard sent to all it's cardholders. We want to assure you that the change is not based on your particular credit profile with NextCard." Since receiving this letter, I have called on two separate occasions and verified my APR is 9.99%. Balance remains 0 and I have cashed out my reward points.