I have a Universal card (8/00) and Citi Plat Select (10/00). I don't really want my Universal card, so I called Citi again to try and get the cards combined. They still can't do it because of the different systems. So anyway, I was declined last month for the Click Citi because the minimum limit assigned would exceed my allowable limit to income ratio (something like that, anyway!), so while I was on the phone, I asked if I could close Universal and convert to Click, and she said yes, and that my APR would also drop to 11.something from 16.4. That's when I realized she was talking about my Citibank card, not Universal. #@#@, can't convert Universal to Click because they don't have a comparable card. OK, then can I get the 11.? rate on my current Citi card? Nope, that rate is so low because it's an internet-only card. Don't want to restrict my largest line that way, so I'm still stuck. One thing about Citi, though, their reps are very nice and really try to make something happen; as opposed to Universal's, whose every response is 'I don't know' (will I get any transfer offers when this one expires, do you ever send out transfer checks, how long before increases, etc...). No point here, just hoping someone sympathizes with me! I don't have any real problems with Universal, it's just on my list of 'useless' cards.