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Charged too much interest. I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.