ADVANTA Credit Card Advanta raised rates without notification. Gerrardstown, West Virginia

Advanta closed out it's account this past year. That's old news. I read where others rates were hiked to 35%. I called at that time and was told that my rate would stay the same.

They did raise it to 15% though they listed 34.9% as a "default" if I didn't make a payment. I have paid on time every month.

This month I noted they raised my rate to 34.9% without notification! I called and the operator stated that they had raised it in January, which was not my understanding. He told me since it was closed, I needed to call another number of 1-800-388-2227.

Before I hung up, I asked if the part of my balance that is 35% be paid off in tandem with the promo rate I still have a balance on of 2.9%. He said "no, all goes to the lower amount first."

So, the higher amount is just compounding interest at this ridiculously higher rate!

I called the number. It was a debt counseling center! I would have to consent to having them take over the debt to have them negotiate this!

This is incredible! I have been thinking I was staying on top of this and was ripped off all along. Any help out there for this?