OP, this happened to my good friend, too. She was one day late. She called and was told the same thing, but she didn't give in. She told them about her payment history, ect and stayed on the phone over half an hour while the agent was able to finally get the rate lowered back down and have the interest charges waived.
Call again, try another agent and be proactive. If all else fails, look to transfer the balance. You might mentioned this in the call too!
Good luck. Let us know how it turns out.
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