<prompt> Human: This morning I got an email from Mint about an increase to my Credit Cards APR. This was a bit of shock because I have been on top of my payments ever since I got it in mid-2016; never late and never maxed out. I called BOA customer service and they told me there was no increase. This was very odd because I pulled up my statement from Dec-2017 and my lastest statement, and the difference in APR was right there in front of me. My co-worker also confirmed theyre APR has increased. So maybe its normal to not get notified when your APR increases? Ultimately, I never pay interest because I have always paid down my Credit Cards, but I dont want to be in a bad place someday where I may need to carry a balance over with an APR that has been creeping up over the years.I just want to know if anyone got a notice from BOA for interest increases. For me, this wouldnt be the first time something changed without me knowing. Both my checkingsavings account switched over to whatever they are now, I only found out about my checkings through an rpersonalfinance thread, and then my savings because I wanted to see if that would change as well, and it in fact had changed...2 months prior.Ive already confirmed that my Communication details with BOA are correct, and Ive checked all spam etc. So far rpersonalfinance and Mint have been more reliable than BOA.Any adviceknowledge on interest increases and howif? I can stop them from increasing it would be appreciatedEDIT: Replaced interest with APR where it was needed.EDIT: Thank you for all the answers, Ill go ahead and have a look at federal rates etc.  <response>: In all reality it doesnt matter as that number shouldnt affect you. But the Fed rates went up, the APR rates of things go up. 