facebook and downloading coupons. angry customers were having none of that forcing an about face by again mills. >> credit rates were on the rise no matter what your credit score is. we have what you need to know. good morning, lori. >> you may hear credit is cheap these days. while it is true for mortgages and auto loans not the case for credit cards. interest rates on your personal credit cards are soaring these days above 21 percent. for those of us we get credit according to card hub. average interest rates for those of you with excellent credit 12.86 percent. that's up half percent from last year if you have good credit your rates are up 1 and a half percent. for those of you with only fair credit scores you are looking at rates whopping 4.46 percent to an average rate north of 21 ers p. why such a sharp spike in rates?