It's almost two years since I opened a secured visa account with Sterling. Then last August I got a Providian gold visa (started off with $500 limit, am now up to $2000 and I just got an offer for another $1000!). I also opened a Macys charge. In March 2001 I got a Amex green (my first prime card! My question is... I'm sick of Sterling because in almost two years of maintaining a perfect record with them they have granted me a total of $100 in credit increases. Providian charges me 25% with no grace period... I have never been late or over limit with any of my cards. Am I ready to apply for a "regular" visa card- with a decent APR and maybe even rewards? I don't want to apply if I don't have a chance...who needs all the inquiries... Any feedback would be greatly appreciated. Keep up the good work!