I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior, self supporting, work fulltime and pay bills on time. This is exactly the kind of credit practice XXXX can help intervene on. THANK YOU 
