U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Credit card protection / Debt protection Colorado

I received an offer for a US Bank credit [email protected] % tied to confirmation code : -. The offer must be accepted by -/-/2017. I applied yesterday -/-/2017 and the rate jumped to 14.74 % I work in the mortgage business so I would think the code locks me in at the 14.49 % rate and will change based on the Prime Rate after introductory signup. How can my rate change because the Prime Rate went up last week. That is n't stated on my bill. It states APR will vary, but no where does it state that the introductory APR will change based on the Prime Rate or what 's the sense of having a confirmation code locking in a current rate? On top of it when I accepted the card at the 14.74 % the print out stated my rate is 10.74 %. I do n't know what 's going on, but I do n't like the fact of not knowing what percentage my card is tied to and why cant I just get one rate quoted to me like the offer stated. I 'm also reaching out to the Attorney General. At this point I 'm not sure if this is fraud or why is US Bank continuing to change the APR in this case three times??? I feel this is VERY MISLEADING & CONFUSING on a consumer. If my term and conditions state 10.74 % on the accepted card and terms when my card was accepted. I would think that US Bank should be binded and honor their own terms and conditions!