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The card issuer increased my interest rate on my existing balance. Can they do that? What can I do to get the rate back down?

Answer:

A card issuer can increase the interest rate on existing balances only if you are at least 60 days late in paying your required minimum amount unless an exception applies (for example, the exception for variable rate accounts). 

If you pay your minimum amount on time for the first six consecutive months after the rate increase, the issuer generally must reinstate the prior rate.

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