Brian J. Knight 3387 Leo Street Winter Park, FL 32789 December 14 Dear Mr. Knight, Thank you for contacting the Credit Tree Card Services Department. We have examined the Account History Record for #52759248. According to the Terms and Conditions you signed when applying for the card, overdue payments can result in an automatic change in Annual Percentage Rate (APR). According to our records, the October minimum payment was received after the due date. Because of this, your account was set to the default APR of 15.99% in November. Unfortunately, the account cannot be reset to the original APR at this time. In order to reduce your interest rate, you must consistently make on-time payments for at least 6 months. Assuming your next payment is on time, you could be eligible for a rate change as early as May. At that time, you may request a rate reduction by filling out Form 423-C, available on our website. Please review the enclosed Terms and Conditions for your records. If you have any further questions about your account, feel free to contact Card Services at any time. Thank you for your business, Suzanne Overton Card Services Representative, Credit Tree |
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