[OCC]

When Minch started going over back statements, she realized the bank in January had raised her rate from 12.99 to 24.49 percent. But Minch said the bank didn't send her a letter, so she missed the change.

Ummm... they sent you a statement. Did you expect a hand written registered letter?

[Neidermeyer]

Ummm... they sent you a statement. Did you expect a hand written registered letter?
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Unless you’ve been living under a rock you would know that rate increases and all other agreement modifications are typically disguised as junk mail , or as an anonymous insert among “offers” in your billing envelope... hardly sporting... screw them.