is any listening

I what to refinance from 30 years adjustible (cofi, from Worlsavings, who was bought by Wachovia, who was bought out by Wells Fargo) to a fix. I was able to fix my rate at 7% but in December it goes to whatever the cofi index will be at.

But Wells Fargo has said no. And as it turns out, I think that my rate will be less anyway since the Cofi index is down. But I wanted peace of mind so that I get a fix for 15 years and not worry about it going up. So I am stuck.

Is 79.9% legal for credit card interest rate? Yes..

It is -They're doing it!! But should they.

Issuer of 79.9% Interest Rate Credit Card Defends Its Product
by Connie Prater Friday, February 12, 2010 provided by CreditCards.com
APR Shocks Many, but Issuer Says They Are Pricing for the Risk

If you have bad credit in the new era of credit card regulation, be prepared to pay -- dearly -- for the privilege of using credit. That's the message underlying recent credit card offers that feature jaw-dropping interest rates of up to 79.9 percent.
The sky-high rates may be a sign of things to come in the market for so-called subprime credit cards as issuers who lend to the riskiest of borrowers try to figure out how to stay in business and comply with the new credit card reform law.

http://finance.yahoo.com/banking-budgeting/article/108839/issuer-of-79.9-interest-rate-credit-card-defends-its-product?mod=bb-creditcards