We have excellent credit but today received a change in terms notice taking us from a 8.24 apr to a 29.99 apr. This is the same as the default rate. At no time have we ever been late or defaulted. I use to think Citi was great up until this. I can't believe they can change our rate at an increase of over 21%. I have filed a complaint with the BBB and the OCC. I understand in these times a need to increase some rates but this is over the top. 3 to 5 % is reasonable but 21%?