from 2.99% they increased rate to 34.99% without notice or reason.
one bill not received in mail (first time ever failed on payment on time) they charged late fees and sent me to Credit Bureau!!! have talked to many people at advanta but they are robotic and indifferent. Won't believe what happened: bill never received that month and then they stopped sending it.
when called was told that they had decided to stop paper statements that i was obliged to pay on line and i was never advised if i hadn't called wouldn't have known.