We all get credit card offers daily and each one seems to be advertising a great rate, especially if you transfer a balance. One Oregon woman took First USA up on an offer. She received a card that would pay 0 - 6% interest for six months and then lock in at 12.99%

According to her attorney, after the six months her rate did increase to 12.99%. But, a few months after that, it was up to 21.99%. So she has filed suit asking for First USA to stop the practice. If they don't, she will ask for damages and seek class-action certification, her lawyer said.

George McCane, a First USA spokesperson was quoted, "We strongly believe this lawsuit is entirely without merit."

You may remember that in June First USA was purchased by Banc One, which made Banc One the nation's third largest credit card organization.