WASHINGTON (AP) — The Supreme Court says a credit card company legally increased the interest rate on a man's card without telling him.

The high court on Monday ruled for Chase Bank USA and against James A. McCoy.

McCoy complained that Chase increased his interest rate due to his delinquency or default, and applied that increase retroactively. He says credit card regulations make that illegal because Chase did not notify him until after the increase went into effect.

The lower court had thrown out his lawsuit. Justice Sonia Sotomayor agreed, saying the Federal Reserve Board's interpretation of the regulations said Chase did not have to inform him of the rate increase.

Congress changed the law in 2009 to require credit card companies to give a 45-day notice before raising interest rates.