I had a look at my statement last night and saw a notice informing me that the rate was rising to 15.5% in Jan 07.
I'm considering getting an overdraft which is 12.2% and using that instead of the visa. My visa balance isn't too bad, couple of hundred but I don't clear it each month, so think the overdraft would be better.
Have a look at best buys - Halifax - 6mth 0% credit transfer then 9.5% APR so better value than overdraft and AIB cc.
My advice would be to reign in spending as 9.5% is still very high..