Bank of America is scum...

After having an account with BOA for the last 11 years, with no late payments and no negative credit issues, they have chosen to ruin my credit! How you may ask?First they jacked my interest rate up to 14.99% and then lowered my credit line by $12,000! That in turn negatively affects my FICA credit score because I am no using more of my credit line then what was reflected prior to their change. The 14.99% interest added $200 in interest to my MONTHLY payment, where as my payment was $323 a month, it is now $523 a month. Why would a bank try to ruin a loyal cardholder's credit? And who out there can stop them?I think it should also go without saying that I was given no proper notice of these changes to my account before the changes were made.If you are caught in the same web as me, here is the address to write to the corporate offices of Bank of America, as this was their only suggestion to discuss the matter further. The employees are not empowered to give you anything especially a rate reduction.Bank of AmericaAttn: Corporate HeadquarterPO Box 15026Wilmington, DE 19850