1) Called 3 mo. from receipt, have always paid the card in full. Initial credit line, $500. The rep lowered the APR from 24.99 to 16.9. 2) Called approx. 4 mo. later, asked again for grace period, no go, rep gave a $1k increase, credit line now $1500. 3) Called this month, asked AGAIN for grace period, was told that the card will probably never have a grace period, however, upon my anniversary date (in June) that I would qualify for a different (I believe she said gold card) product with better terms. The rep. asked if I would like the annual fee reversed or another $1k increase. Since I do not have a balance, I took the increase, credit line now $2500. Okay, now I wish that Capital One was so easy to work with... I would love to combine my accounts (2 Gold, 1 secured and 1 K-Mart Mastercard), but I do not think I'm speaking with the correct people when I call. I think maybe I'll try the planetfeedback route with Cap 1. This board is great, keep up the good posts!