Not all banks are that bad. I was meeting with my branch manager and I mentioned that the interest rate on my credit card was increasing from 19.7 to 22.3%, but that I don’t care because I don’t carry a balance. The very awesome bank manager decided that she would go out of her way and see if she could raise the interest rate on my savings account. And she ended up DOUBLING it. Now it’s 0.2% baby!!!