My credit card issuer raised my interest rate by nearly 10%. I have not been late or over my credit limit. I believe they acted in bad faith in light of pending credit card regulations. The issuer claims to have sent a notice in the change of terms which included an opt-out if I did not agree to the new rate. I never received such a notice and I've found dozens, if not hundreds, online who also say they never received such a notice from the same issuer. All I want is my interest rate back to it's previous level, nothing more. I feel, however, using the bad faith standard in contract law is a reasonable assertion and possibly a basis for a class action suit. Thank you for your time.