<prompt> Human: First time posting so bear with me. I have just paid off about 13k in credit card debt and for some reason my credit cards are increasing interest. My chase card has 0 balance and they have increased it at least 3 times in the last year. Small increments. Now my Amex too by .25 which I brought down from 6k at the beginning of the year to now about 300. Is this just market increases? I have other credit cards that Ive had for more than 12 months and those arent going up too. All are variable to my knowledge. Thanks for any info and for your patience. Edit: thanks for the replies  <response>: Now my Amex too by .25 All are variable to my knowledge. The Fed has been raising interest rates, and this is the result.Of course... if you pay off your card every month, it matters not how high the rate is. 