It is one am and i just found out that a credit card I have had for years and carry a small balance on has an interest rate of 22%. When did that happen? I have two others at 11.9 and 9.9%. I paid that baby off asap. Check your credit cards monthly. I don't know how long I've been paying that rate, but I always pay larger than the minimum payment and somehow they crept that baby up there. Beware. It was Capital! What's in your Wallet? It is a Loews card but Capital is who I pay it to. I called tonight to get the interest rate, and when he said the percentage I made him repeat it. Then, I told him "goodbye." Hung up and hit the savings account. If you have a Capital card, watch out.