Here's why I ask. I woke up on Jan 1 of this year knowing I owed way to much on cc. My resolution was to get out of cc debt. Unfortunately, some of my creditors agreed and begin raising rates and reducing credit limits. I was never late on a single card and always at least the minium due. My rates ranged from 12.99 to 14.99 except Optima. It stayed at 9.99. I quit getting any bt offers and the cc companies wouldn't lower rates. Thus far this year I've paid dowm about 20% of what I owed on 1/1/01. Late Aug. Amex sent me a Optima consolidator app. I filled it out aand asked to bt about 8k that zeroed out 3 cards. They approved it at a rate of prime +3.49%. This past week, I've gotten 2 great bt offers from other cards. I just wonder if the AR are seeing a large payment made and not realizing it is a bt and that is sending offers my way again? I don't want the inquires but, would it be reasonable to pursue these offers?