I’d rather go to the mob
Capital One just sent me a change in the terms of a credit card I have. I should note that I haven’t used this card in literally years and just keep it because it’s good for my credit (which is stupid and a story in itself).
They informed me that should I pay my bill late twice in a 12 month span, they would charge me the prime rate PLUS 26.15% . That makes the rate 29.4% !?!.
I think Mr. Soprano gives better rates than this - crazy.