<prompt> Human: I got a US Bank card with 0 APR for balance transfers and parked some debt there for around 8 months.I paid it off a few weeks ago. Today the APR jumped from 16.24 to 24.24. Is this normal? Im stunned.Clark Howard recommends not closing the account and there is no annual fee so I dont plan to close it yet:  <response>: Dont carry a balance so it shouldnt matter. 