text: credit card change in terms? just received one of those notices from visa you rarely take the time to read, but it says that they are raising the default apr, etc. while i doubt i would ever default, it says i can "opt out," and "if your account is open, it will continue to be available for your use." what does that mean? it is odd that they would make changes, that i could not agree, and there be no "penalty" such as closing my account instead of renewing it, etc.   thoughts?  thanks!  