I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair. 
