I'm amazed by the number of folks who actually try to pay these Credit cards off.
When they changed the terms THEY voided the contract.
Simply don't pay them, write to the credit card company and state "These new terms are unacceptable, I DISPUTE THESE CHARGES (Magic phrase)
And then simply calculate your interest yourself, when you have paid off the loan at THE ORIGINAL INTEREST RATE, stop paying (Do not forget to include the interest that they charge on the interest, Ir's a huge sum)
What can they do?
They've already ruined your credit.
They've reported you to the credit reporting companies.
And as the sum remaining IS DISPUTED (again magic words) they can't collect.
Oh they'll try, turning the remaining sum over to a collection agent (Illegal for disputed, but they don't bother following any rules) and trying to jack up endless "Late" and "Overlimit" fees, just ignore them. They've already hurt you as much as they can.
You see credit cards are considered "Signature" loans, meanung there's nothing backing them up, such as when you get a home loan and the property is collateral, but "Signature" loans have NO collateral to go after.
That also means that they cannot Garnish salary, put a lein on your property, or all the other lies they will tell you that they "Can" do, (They Lie).
The best tactic I know of is that when the collectors call, state that there is no ammount fue, this is in dispute and then hit the 1 button on your phone, and hold it down (It screams in their ear) untill THEY have to give up.
I've also had good results by using the star 69 feature to recall the collectors, and let the 1 button trick scream in THEIR ears untill THEY again give up.
I actualy had one to put my telephone number on "Do not receive" to their office, a clear success.
Just use this tactic when they have nothing to collect, (Home, car, property, etc) and be sure to state "This is in dispute and unowed" EVERY SINGLE TIME THEY TRY TO FORCE PAYMENT OF THEIR THEFT.
That should put these thieves out of business shortly,