paid minimum for years must have paid card off 2x

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No you have no recourse I’m afraid. It seems you just lived up to your username.

What you could/should have done, but its too late now is

– When the interest rate was upped, reject the rise on condition of not being able to spend any more, and continued to pay it off at the old rate.

– Any and every month paid as much extra as possible because it is only by reducing the capital more quickly that the debt goes down more quickly. If the minimum payment isn’t for much more than the interest you are not reducing the capital.

– Understand that the minimum payment is just that. It is not a recommended rate of payment to get the debt cleared.

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