I have 2 accounts: Mc and Gold Visa. The MC is 3 months older than the visa. The have gone up at about the same increments until Sept 2000, with the Mc going first (of course b/c it's older). But here's where my purchase and payment patterns inadvertantly changed. I kept making bigger payments (200-300) on my MC b/c it had a higher interest rate. The Gold Visa, however, got a quick reduction to 15.9 and then 13.9 (prime! almost). so I've been making 50 or 75 payments to this one. Result: My last increase was in Sept to a grand total of 900. Wow, big money for Cap1. But it's stayed there. Stayed, stayed. I've done all I know how to do. I got the interest rate reduced (twice) I even got half my annual fee rebated. But no line increase (and I consider myself pretty good at getting line increases). The computer has thrown everything at me except line increases. So a month ago I got tired of Cap1, made 2 payments to my MC acct (500, 335) paid it in full. I also tried a new approach. I temporarily gave them incentive to increase my line. I took the payment protection bs. (yes, I hear your groans) but I did cancel it w/in the free 30 days. Here's what happened: I called in for a MC line increase (after the large payments had posted) and they gave me 300. On that call I took the payment protection (as an experiment). I called back 2 weeks later (YES 2 WEEKS) and they gave me another 300 line increase. I triggered something. Now, on the Gold Visa, I just did a 500 payment: what did I get? Nada. yet, but it hasn't been even a month since my last interest rate decrease. I'm waiting til a month passes, I'm adding the payment protection: and then I'm asking for more credit. We'll see. I think Cap1 is VERY sensitive to LARGE payments. Prov doesn't seem to be. Pay on time, get increases. But w/Cap1, pay a little on time: get nothing. Make big payments, trigger increases? Just curious to see if there's a pattern. What have you guys experienced? Want to try larger payments to Cap1 for a month or 2 and see if it triggers line increases? 2 increases in one month makes me now wonder about their internal computer program. and you all know how I love figuring out their systems so we can maximize our terms. Feedback?