CITIBANK called today.  Said they noticed that I have never missed a payment and have paid consistently until the most recent due date.
Asked if there was a problem.

I said no, i don't have a problem, you do.  You raised my rate to 29.99% and I am not going to pay you any more. 

Then the rep said something like maybe we could work out a payment plan. 

I said nope, I am not going to pay you any more.  You can do what you have to do or take me to court but I am not going to pay you any more.

Then the rep started to say maybe we can help you or something along those lines.

I said, nope.  You didn't want to help me before and I don't trust you any more.

Good-by and hung up.