If your credit card issuer raises the interest rate for anything other missing a repayment, you're usually better off cancelling your existing card and hitting the price comparison sites to find a new one with a lower APR.
What rules do your credit card company have to live by?
Not to increase the interest rate if you have a debt problem. For example, if you are two or more payments in arrears or a repayment plan has been agreed.
To tell you about any increase (they have to notify you individually unless the interest rate is linked to the bank...
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