I got AT&T Universal card when it first came out and I worked for AT&T. They did a great job for years and then in 2008 they started sneeking my interest up. So when I check recently and saw 21% interest I called them. First I was connected to so lady who spoke broken English. I ask her what country she was in and she said Philipines. I ask to be connect to someone in the United States. (More jobs we do not have) The lady answered the phone and I ask her for my current APR. She said
21% and I said that was too high and she the explained I agreed to it because a notice was sent out and if you did not respond you got 21% interest. She went on about the current economic climate causing all of this. The I told her Bank of America's APR to me after only 10+ years as a customer is 8.99% and my credit union APR is less than that and these organizations "value" my business. I told her AT&T Universal Card was a joke and a bad one at that. They just want the maximum money they can collect from everyone.