I guess what fired me up is that since I do not carry a balance I only checked my payment info. When I called them today MBNA told me that they have been raising it a few times a year and that I should look at my statements closer. I told her I was closing my account, they asked why as if she did not know it was the interest rate issue, then she asks me if I want to open up an equity line with them. just for kicks and giggles I did a searcg on MBNA under, "MBNA sucks" and other variations and came up with web sites from former disgruntled customers. Wow!