Ugh. I understand as well. Felly - I did the exact same thing the other day. I noticed (just recently) that one of my credit card interest rates had gone up to 29% - insane!!! No notice - of course took me a while to notice (probably wouldn't have noticed if I wasn't sober
Anyway - called them and asked them to lower the interest rate as I have never been late and my credit is decent (now) - but of course was denied. Credit cards are EVIL!!!!!!! Even more evil when drunk.