Quoting: Patrycja19 which in the clause you later find out, that a one time late can raise your apr up to 21 % on all purchases not just the one your paying off, even when paying more, and they lower your credit without notification,
You need to read the fine print. Since when are you supposed to make late pmnts anyway? It's in the fine print on all of my CC's. As far as telling you when it gets raised, that appears on your monthly statement. I know this because it's happened. The fact is that people spend money that they don't have. We're all guilty of it.
Quoting: Patrycja19 crush those credit card companies
This is the problem, you just need a good bank :)
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