In this world, there are no scripts because anything that could be scripted has already been automated and made available to the end-user, who now finds it inconceivable that they should have to contact companies to change basic information, like notification settings or credit card information.
The CARD Act changed the notification requirements for interest rate hikes, requiring that cardholders now receive 45 days notice on any increase, including default.
How about getting a new credit card with a great low rate and just before you get your first bill you get a notification that your rate is doubling, effective with your first bill.