Well, WAMU just raised my APR from 16.99 % to 31% for no reason. No late payments in 4 years, no balance exceed. I asked why and they cited “external reasons” but they could not tell me what those “external reasons” are.

My credit score is 720 or so, from a few blemishes when I was 19 (7 years ago, now paid off 5 years ago) My wife has perfect credit.

I asked if this applies to new purchases only, or the balance as well…. It applies to it all.

I’m not sure how they get away with this…