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SWANSON v. BANK OF AMERICA, N.A.

No. 08-3322.

559 F.3d 653 (2009)

Laura M. SWANSON, individually and on behalf of a class, Plaintiff-Appellant, v. BANK OF AMERICA, N.A., and Fia Card Services, N.A., Defendants-Appellees.

United States Court of Appeals, Seventh Circuit.

Decided March 19, 2009.

Attorney(s) appearing for the Case

Michael S. Hilicki, Lawrence Walner, Walner Law Firm, Ltd., Chicago, IL, Barry Leonard Kramer, Attorney, Law Offices of Barry L. Kramer, Los Angeles, CA, for Plaintiff-Appellant.

Brandon C. Fernald, Fulbright & Jaworski, Los Angeles, CA, for Defendants-Appellees.

Before EASTERBROOK, Chief Judge, and KANNE and EVANS, Circuit Judges.

EASTERBROOK, Chief Judge.

When Bank of America extended credit to Laura Swanson, it told her that, if excessive purchases caused her balance to exceed the $5,000 credit limit at the end of two months in any rolling 12-month period, it could increase her interest rate from 18% to 32% per annum. Later the Bank sent Swanson a notice amending the terms to provide that the higher, penalty interest rate would take effect at the beginning of the billing cycle to which it...

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