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Message: <blockquote data-quote="andrew2944r" data-source="post: 5277842" data-attributes="member: 589447">A credit card company unfortunatly has the right to change your rate at any time without you knowing because it is unregulated. If you pay what you spend every month there is no interest to pay... If you carry a balance over to the next month is how the cc company makes there month and usually slap 18%.CC company's do not punish the people who make there payment in full, that means if you spent $100 this month and you send the CC compant $100 you pay no interest. If you only pay $85 then they will take the reamining $15 and add 18% and carry it over to the next month.</blockquote>

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