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Can the bank raise my interest rate on my credit card account because of a change in my debt-to-income ratio?

Yes, a bank may change the interest rate on already-existing credit cards because of a change in your debt-to-income ratio. The bank must provide you with the required notice of the changes, according to the terms of your credit card agreement.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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