when the law went into effect, my cards went to 28% (Chase) to 31% (Bank of America). Went into debt consolidation to get then down and to help pay them off (paid off in another year).
When they agreed on the plan, they both sent letters. Chase said they understood and allowed me in. BOA said they understood, allowed me in and said I should really learn to handle money better(!). Like THIRTY-ONE FUCKING PERCENT INTEREST had no bearing on this.
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