However, you should rest assured in the knowledge that the US government is on your side on this one.  Why with that gawdly good piece of legislation they just passed, the credit card barons now have to notify you ahead of time before they hike your rates.  Of course, that doesn't take effect for a year yet and, in the meantime, they can hike them any time they want & as high as they like - no questions asked.  Who knows where we'll all be in a year so why worry about that now?