I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. 

Please help me out with this issue I do n't have extra money and this is very hard on me. 
Thank youXXXX XXXX 
