No, Cypress West is not changing the terms of your Cypress West credit cards. But we are betting that
every one of you who has a b**k card, has received one of these little “love notes” in your statement
sometime in the last few months. Are they changing your interest rate, changing you from a fixed to a vari -
able, increasing the late fee, over-limit charge? May be have told you that your credit limit is reduced. This can increase your usage ratio and lower your credit score. Maybe they have increased the cash advance charge, increased the foreign exchange rate, or lowered the “awards” or mileage allowances. There are at least fifty ways to leave you in the dust.

Isn’t enough, enough?

That is why we say your name belongs here. Because if you put your name on a Bank of America, Wells
Fargo, Chase, or CitiB**k, or “you name it” card, with as little as 60 days’ warning, you could have a 24.99% APR replacing your 9, 10, or 12% rate. Did you close a credit line or make a late payment, did you look cross-eyed at someone? “We’re so sorry.”

Oh, and the $39 for a late charge these banks slap on you? Let’s not forget that little detail. The Romans had a name for this and it involved nails and high places. Don’t go there!

Check out your credit union’s fine, no-frills credit card. It is a hard working little guy that will not give you night mares