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To: estatemakr who wrote (224707)	10/14/2009 12:44:40 AM
From: GraceZ	Respond to of 306849

Anyone else get the same notification??? I have a WFB card that is 2 points above prime with a floor of 5.75%. It was 0% on transfers and purchases for a year, then switched to prime +2 (with the floor). I used it for an expensive piece of business equipment I wanted to finance over three years. I'm about five months from paying it off. So far no letter from them, but other banks have all sent similar letters raising rates on my other cards. I could care less about those other cards because I never carry a balance on any card that charges regular card rates. For me to borrow on a card they have to beat out what I can get from a HELOC or Biz LOC for me to even consider carrying a balance (I've never had any card company refuse to beat a LOC rate yet when I asked). If I do get that letter, I believe that they can't raise the rate on the existing balance from the original deal....if they do, I'll simply pay it off. If they want their 5.75% (which ain't bad money for them in this environment) they'd better sit tight for the next five months.