How to opt out of a credit card rate increase

[MichaelPatrick123]

pay the sumbitch off and close the account, then go to a cash only for all purchases. if you don't have the money to pay cash, save up until you do. then, when you got the cash you'll think twice (maybe 3 times) before purchasing the item you thought you had to have. this is good advice that should be taught to kids at an early age. we wouldn't be in this mess if the past couple of generations had not been so gullible with "easy" credit. pay off Chase, Bank of America, AX, Citi, Capital One, etc