15 Credit Rights You Didn't Know You Had

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10.Right to say no

Many people are not aware that when the credit card company increases the APR of their card, they can say no to them. Card issuers do not advertise about this. However, according to the Credit Card Accountability, Responsibility, and Disclosure Act (CARD Act), you can refuse to pay a higher interest rate. You can politely ask your card issuer to keep the old APR. He may agree to it or not. If he agrees, then make sure you have it in a written statement. And if not, he can resort to other methods, like reducing your line of credit and increasing your minimum monthly payments, or just cancel your card.