Never got anything, so early this week, I PFB'ed them and asked them to re-consider. So I get a call from their offices today. They agreed to change my card to the 4.99%! Although they said cash was now 19.8%. But I never get cash advances so no big deal. I hope they keep the rate 'fixed'. I'll let you know if anything happens. My 2 best cards now: Cap One 4.99% and Amex Blue 7.99%.