Hiking my purchase APR by 6 percentage points out of the blue for no apparent reason, since I’m not even carrying a purchase balance that I could accidentally pay late on (and have not paid this card late in years and years), is not, actually, the best way to encourage me to use the card and hopefully carry a balance so I’ll have to pay you some interest fees so your stupid, broken little bank becomes solvent again.

FYI, HTH, HAND. Jerks.