I have closed all of my subprime accounts (except for Providian). I just could not close that account! I have been with them since 1996. It is a gold card with a grace, 16.9 APR and no annual fee. They have been extremely good to me so I could not close it. I have aquired: Nextcard - 6,000.00 9.9% fixed Providian - 7,000.00 16.9% fixed (for now) American Express Personal Account Bon Marche (Department Store - purely for a higher FICO score) - 500.00 21.9% (Yuck! But I never carry more than 200.00) and an unsecured cash line of credit from my credit union - 5,000.00 13.5% fixed I have closed: Capital One Orchard Merrick Bank Conseco Texaco FNANB All CRs show no derog information! It has been a long rebuilding process, but I feel that I am finally where I want to be with my credit situation! THANK YOU ALL FOR CONTRIBUTING SUCH WONDERFUL INFO ON THIS BOARD!