I am fully convinced that no one can escape a dead beat branding from most of the Sub Prime issuers, except perhaps FCNB. Once you have a First Premier Card, or any other Sub Prime Card even from Next Bank you will always be a dead beat in their eyes. You can post insults to the bank all day but that won't change their view of you. You can tell them Citibank and Discover just gave you $9K and $12K but please don't confuse the situation with facts the mind is already made up! There is frankly only one thing you can and should do. Close your account, wait 3 months for your FICO score to raise and apply for another card! Two of my clients got card from Next about the same time. One got a $700.00 limit the other $1,500.00. Since then credit limits have evened out and they both have about 4 cards each with over $10,000.00 on each. About 4 months ago the guy with the low limit pressed next for an increase and got it raised to $1,000.00 The guy with the higher one went to $2,000.00. 1 month ago the $2K limit was raise without asking to $5K, what a difference in the way Next still sees the "Dead Beat"