EMERGE CARD PROVIDIAN BANK ripoff FRAUD OVER CHARGE APR ILLEGAL TRANFER CARD WITHOUT NOTICE ripoff deception ATLANTA Georgia

I FILED A WAGE EARNER 15 YEARS AGO.FOR medical bills thats all .So about 5 years ago we bought a house . Got 15 credit cards. Got a providian card in the mail 1000 limit at no cost. so i kept it. within 6 months my limit was raised to 1500 then 2500 in the next year.. I always paid on time. never went over the limit.Never paid the minimum.Always paid more.

Then 1 day I get a emerge card in the mail and it is to replace my providian card.it has a 29.99 apr.icalled to ask why when my other 3 providian cards had 12.7 & 15.9 & 17.9 apr's on them and they said that was how it was.
And I could do nothing but pay the card in full or pay the apr...

they will review your account (they say) every 6 months. and if you play by their rules they may lower your apr.It has been a year and i have paid on time never over the limit .always pay more than billed. and no reduction in apr.. This is so wrong.
How can they do this..

I am fussing because when i got these cards my husband and i could aford all the extra's with a credit card.Now he is disabled and the apr is killing me. At this rate I will never get the card paid off.What do I do.

FRANCES
MPHS, Tennessee
U.S.A.