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2009's House of Pain: Consumer Loans and Credit Card Debt

I have a similar situation dealing with a Chase Mastercard. I had a chunk of debt from an unforeseen circumstance in the past. I actually got a great proomotional rate of 3.99% for the life of the debt so long as I'm never, ever late in which case they have the right to raise it to something like 29%. Now, they're whining because they claim they are losing money with my account on account of the fact that I only carry a balance and won't make additional purchases at a higher rate. One would be a fool to make additional purchases not just because of the higher rate but because the higher rate balance is the last to be paid off. They have now instituted a new fixed finance charge not fixed to a balance but to the fact that I have a card. Then they tripled the minimum payment due. They told me they would agree to lower the minimum and eliminate the fee if I would agree to a higher rate on my 3.99% balance. I think I might just milk it as long as I can.