I was reading my Home Hardware bill which is now really dealing with Wells Fargo Financial and the annual interest rate charged is 28.8%.  I think this is outrageous.  I am going to get rid of that account because we use it infrequently and I don't want to ever pay that if I miss a payment.

Wells Fargo has CRAZY rates. I know someone who works for them and they will try and rewrite loans at a "lower" interest rate that screws credit scores. They are getting out of store credit business and will try and maintain as many customers as possible using these rewritten loans. Get put on their no call list!

yep that sucks

I need to take a closer look at them.

Make sure you don't let them rewrite your loan if they try!