But here's what's interesting. I'd called CAp1 and directly asked for retention 3 days ago... tried to get a line increase on the gold to 1200 or so (haven't had an increase since Sept) so I'm almost due anyway. He did offer me 17.9 and I couldn't get him to budge so I took it. I thought he finally agreed to 15.9.. but I'm not certain. Called today and got the Richmond retention office (I know from asking previously that I'd always gotten Tampa before) and I questioned him on my newly posted 17.9.. I'd thought it was going to 15.9 like my MC but I truthfully admitted I wasn't sure since we'd talked about both accounts... and I definitely didn't want to get the other rep in "trouble" since he was nice to me. We talked for a while and I admitted I was just going to combine them into one... to heck w/Gold my MC was better. He said since they'd just lowered my rate he didn't think he could do much else... so I asked him if he could ask a supervisor or something??? He came back and blew me over... 13.9%!!! NOw, I had previously kept my Visa balances at 700-800 as I was "working them up then down" but I'd truly gotten so fed up w/interest rates that I'd just paid the account if full 1 week ago... say goodbye to my interest Cap1... or so I thought. Guess they were trying to lure me with a now permanent, fixed rate. And yes they have! I'm balance transfering 2 accounts to my Visa (and part to my big mastercard) to show a different type of activity to Cap1. I'm guessing if I do that and "use" most of my available credit with transfers... my review next month may grant me higher limits... exp w/my recent pay history of being 300-500 at a time on both cards. By the way, I've always been on time and I've never gone over limits. Ever. but I always assume the Bk kills me. Good thing they judge you on how you do w/Cap1. I've heard that Cap1 is VERY payment sensitive and I now agree. Anyway, thought I'd let you all know... even a person w/bk7 only 2 years ago can work into fixed prime rates. If they'd just up my limit I'll keep Cap1 even when I can change. They've been good to me. Oh, and I have a bonus... He directly gave me the Cap1 retention line in Virginia... and his extension to call him. He was so nice. That way I can call him with my balance transfers. So, I'll post the main line for all of you to use Hope they treat you as well as they have me!