i think it was because i was late on a payment so they just cancelled the fixed rate. i saw on my following statement that i late by 9 days, so i’m sure thats when they changed the interest rate back…i just never noticed it until recently. the funny thing is, i got my bills in at 2 separate times, so i’d wait fo them both to come and send them at the same time…well they changed the due date on the first one, which is why i was late by 9 days…fucking crooks. you can never win.