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Dear Money Helps: In August 2005, I signed up for a Bank of America credit card with a great fixed rate of 6.9%. Last year I got married and put a lot of wedding expenses on the card, figuring to pay it off in a year or so. I opened my bill last month, and my rate had shot up to 19.99%! I called the bank and was told that MORE

Dear Money Helps: I have sleep apnea and signed up for a study at the Stanford Hospital Sleep Disorders Clinic. I paid a $15 fee, answered questions and was checked out by the staff. The whole process took 30 minutes.

I was told I couldn’t proceed to the next phase until my health insurance was verified. My insurer told me later that week I wasn’t covered. Much to my surprise, I MORE