LOL, do not feel bad, Hutch kid! My husband and I each have Sears Citibank Gold Mastercards, and we have perfect payment records.
We each got a letter stating that they were raising our rates to 29.99 percent, and if we didn't respond, they would automatically cancel our accounts.
What the heck? Do they not need business? We each have 15, 000 credit limits and use the cards faithfully and pay religiously.
I called, and they refused to even consider reason.
We both cancelled.
It's not you... it's them.