Complaint Review: Providian Emerge Mastercard

Dear Folks:
I do not accept your change of interest rates, and will not pay the increased rate. If you fail to lower the rate immediately, I will not make any payments to you -- ever.
Because of your predatory, bait-and-switch, usurious tactics intended to screw me, you have incurred a penalty -- my rage. You can avoid this penalty by lowering the interest rate; if you do not do so, you get screwed out of the balance.

Now, you will tell me that you will "ruin" my credit! Sorry folks, it is already ruined. Not paying you will actually reflect well on my credit report -- you see, having an Emerge Card means I have bad credit and that I am stupid. By not paying you, at least I don't look stupid.

Please let me know your intentions.
Thanks,

Gloria L. Wilson
425 Hammond Street
Rocky Mount, NC 27804

Gloria
Rocky Mount, North Carolina
U.S.A.