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20.99% seems excessive, especially considering your history.
My Chase and American Express APR hasn't moved. I had a Citi card with a 6.99% APR. Like you I've never had a late payment and I've never carried a balance. I found out the other day they've raised it to 10.99% for no good fucking...
Not to be rude, but...
I've spoken to Clarity. He ranks worrying about his reputation points right behind whether or not shit sticks to my fur.
Just sayin'