My hubby rang all his cc providers to see if any could lower rates so we can pay debts off easier, but virgin took this conversation as thinking that we couldn't afford to use the card anymore (which we don't anyway) & have frozen the account. However we never asked 4 this & now aren't allowed 2 take up any 0% offers they may have. So we r stuck paying a whopping 20.9% pa. is this allowed?
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