Thanks for the comment Brian.  You are always helpful and have responded to my posts in the past.  I mentioned to the reps that I do business with banks all the time.  I was going to be opening another business account and I was considering B of A for the business checking and a line of biz credit.  I just don't like being a "valued customer" one month and then a treated like a deadbeat the next.  If I had been late, or for some other reason less than a model customer, I'd be able to take it. 

I know why the banks are doing what they are doing, I just disagree wiuth it.  I don't feel bad for the banks in this crisis.  I didn't get them in this mess.  I didn't buy a house that I could not afford.  I didn't make loan to applicants who couldn't possibly pay.  I drive an older car with no note on it.  I live in a house well within my means.  I have been and continue to be responsible for me and my family.   Now, I am forced to pay for the bank's mistpeps and greed for many years to come through taxes in the government bailout and I will be damned if I have to pay again throught my personal line of credit that is at a responsible level and never been late.

I think its bad business and fundamentally makes no sense.  Lets see, there is a recession and record job loss.  The cost of living is increasing, Wall Street is in shambles, and many have lost half their retirement savings.  It appears the current economic situation is not going to end soon and the worst may not be behind us.  So lets make it even harder for the working man by jacking up his rates to 25%.   If people are having difficulty making payments on their homes do you think they will find the extra cash to pay off the new astronomical minimum payment on their credit card?