I am paying $330 month minimium payments(sometimes I pay more than the minimium). I have never missed a payment. So I get a notice they are raising my minimium from 2% to 5% on my balance. As I figure it next month I will have to pay $800 plus (there is no extra $500 to get). I call for help and get "go to another bank and get a loan". So thier statagy is to run good paying customers off to raise capital. Thats fine in the short run but what happens when they only have customers that couldn't "go to another bank and get a loan". They either struggle to make late payments or stop paying and wait for bankrupcy. This companies management are idiots. The PPS will continue to go down as many will stop paying when you raise payments over 140%.