Number one, banks are supposed to make money, they arent philantropists.

Also, you are made fully aware of the account terms and they are in the agreement that you sign when you open an account. If you dont like the terms, go to another bank.

The bank card thing is unfair... but as for the interest rate on your loan. Did you ever default on any payments? If you did then they can put up the rate, if not, you also have a contract that states the interest rate.

Why dont people actually read the contracts before signing them? ____________________________________________________
"Diplomacy is the art of saying 'Nice doggie' until you can find a rock - Will Rogers"