I got a notice today that Chase is increasing my interest rate from 12.99% to 17.25%. Apparently my dh paid our Home Depot bill late sometime in March, so I have a 30 day late on my credit report. However, I checked my credit report, and my score is 735. This is also the credit card that I pay well over the minimum each month (usually $400-$600 payments) and have never once been late. This isn't the first time they have raised my rate. The first time was when my bank made an error with an online payment (and I had written proof and an apology from the bank), and they refused to lower my rate back down. This time, I can sort of understand, but I've been a stellar customer, yet that doesn't mean anything. After going round and round with them on the phone, they refuse to budge. I hate credit cards companies.