About 3 years ago, I transferred about $10, 000 in debt to a no interest for a year credit card from Chase. I misunderstood the nature of the deal. I thought it was no payments for a year and Chase thought it was minimum payments of $230. After missing two months, I sorted out the problem, immediately paid them what I owed them and continued to pay them monthly. I didn't keep the original offer so I was unsure but I felt that there must have been some deceptive advertising. They immediately raised my interest rate to 8.99. Last month, I received notices on leaflets (designed to be overlooked) with very small font and misleading language telling me that both Target and Chase were raising my rates for no apparent reason ( I have not missed a payment since the original snafu on the chase card and I have never missed a payment on the target account.) The most insulting part of the notice was that I had to write a letter in less than 30 days telling them that I opt out of the new terms. Such a short time frame ensures that busy people will probably miss their opportunity to respond. These companies are counting on the fact that most people would throw that slip of paper away. The leaflets were not even personally addressed to me. Additionally, both use an unnecessarily confusing language and format. Chase and Target deliberately confuse and mislead their clients through the presentation of their information. I have a Ph.D. and have difficulty managing their nonsense. What hope does the average citizen with their 8th grade reading level have against these banks? None. It is a nasty situation and I hope to see Americans uniting against the nasty thieves with white collars.