[boxerblues]

I just got my bill from Key they raised my interest from 12.9 to 21.9. When I called to ask why, the representative assumed I must of been in default without looking at my account. When I explained that no I was not she got very defensive with me. I will pay it off this month and close the account.

[La Lydia]

That’s what I did when Chase pulled the “changed due date” on my account. I paid that sucker off that same month and cancelled the card. I still get begging letters from them offering me all kinds of benefits if I will re-up. Screw them.

[Oldexpat]

Go to your local credit union of USAA and get a new visa or mastercard. The credit unions are much more responsive to customers and you get the same access.
Better still..tighten your belt and use only debit cards or cash. Ask for cash discount from merchants(against their agreements, but today they will do it).

[bootless]

PS. Sears and Key are serviced by Citibank

[tc45a]

I will pay it off this month and close the account.

If it is an old account pay off the balance but don't close it. Those old accounts really help your credit score. A new account will hurt your score.