A bank offers a new credit card with a low interest rate. Then they run into financial problems and raise the interest rate. A while later, the financial situation improves, and they return to the low interest rate they initially offered. Note that this is the first time they have actually reduced the interest rate on the card.
A bank official says: "We've lowered the interest rate again."
Do you think that this is a truthful description of the situation? If so, why so? If not, why not? Are you a native speaker of English, and where are you from?
(If you've used this text, please don't share the author's explanation! I don't want people to read it and have their opinions influenced. Also, if you can resist reading the comments before answering, that would be great. :D)