I called to find out what the "go to" rate was after October, and the rep. said that she didn't have that info. The disclosure insert and invitation mentioned rates between 11.4 and 21.4 APR. The main reason I applied was to see if I would be accepted, and I was kind of shocked to get a $5000 CL. I now have a NextCard VISA, this BOA platinum VISA, Sears card and Providian VISA and MC. My total available credit now is $15,000 and my total debt is $2400 and change...I have this debt spread around among the cards so that my ratio is 38% on the new BOA card, (transfers) 9.8% on my NextCard, 5.4% on Providian MC and 21% on Providian VISA, 0 balance on Sears. Interest rates are 9.9% BOA, 12.99 fixed on NextCard and 16.4 on the Providian cards. I really don't plan to use the Sears card much, just got it to build my credit with. My question for the experts is what do I need to do next? I won't be buying a house, as I live with my son, and I have had two invitations for AMEX green but the only reason I might use it, since my son pays ALL the bills, would be for the free internet, and I doubt very much that there will be a free dial-up number in my area. I may decide to apply for an AMEX blue later.