"Dear Flyingifr, If the enclosed package looks like something you've seen before, it's because you have! We recently sent you one just like it. Because we value your relationship with us, we're reminding you to take advantage of this offer for an additional card. The first step toward enjoying the benefits of an additional credit card is reading the enclosed offer. We think you'll be glad you did." The enclosure was an envelope containing a credit card offer that I shredded a month ago. Now, other than generating another annual fee, why would they offer me a SECOND account but not give me a credit lineincrease onthe FIRST account instead? The big print says credit lines up to $5000 and the fine print says minimum credit line $300. OK, credit gurus, with my FICO scores, where do you think I will end up? My guess is in the wastepaper basket.