My father literally pays everything on his VISA and then writes a check at the end of the month. They raised his interest to 29.99% last year. Why?
He is never late and they are making plenty of cash off him on merchant fees alone. Its just stupid.
Local banks here in TN are advertising NO fees on checking-debit cards even with low account balances. Get him to switch if he can.
Have him check his reports at www.annualcreditreport.com. Rates get jacked to 29% for a missed payment, etc. There is likely to be some sort of blemish on his credit reports. The reports are free.