Well, that's good timing
The day after I posted a warning that banks are jacking around credit-card customers in advance of legislation preventing them from arbitrarily changing contract terms and other such jackassery, an immediate friend1 got a notice from his credit-card lender informing him that they were 1. raising his credit card interest rate, 2. changing it from fixed-rate to adjustable, and doing so in 3. such a way that the rate can only go up.
Awesome. (For the record, his credit is perfect.)
If you're eligible to join a credit union and get a card through them, I suggest doing so. Regardless, be on the alert for such machinations. They're happening right now.
1: name withheld because he's nervous about such things