Thanks for the many posts on this board about Planetfeedback and Capital one. Based on your advice, and the very helpful Mr. Cooke, I got all my terms improved on a secured visa. APR 19.8 ==> 15.9 Limit 200 ==> 500 Annual fee ==> refunded Security Deposit ==> returned. I used my brand new Citi Platinum Select as leverage, saying that this is the type of card I have becomed accustomed to The only thing that sounded fishy in my conversation with Mr. Cooke, is his insistence that he cannot go over the $500 limit for "this type of account", but he did say to try again in 6-9 months. Anybody else hit that type of response?