If you'll indulge me, I need to vent! That confounded CapitalOne bank! Currently, I have two accounts with them, a classic and an alleged gold. My gold is pretty new and only has a $500 limit. I've had it since last September. My classic, on the other hand, is well established. It dates back to 96 and currently has a lame $1,500 limit. There are no derogs on the account. As some of you may remember, I recently was successful in asking CitiBank to combine my silver and gold AA cards. I canceled the silver, combined the two credit limits lowered my interest rate, and kept the gold. Keep in mind that I've only had these two cards since October. So, this morning, I got the bright idea to call Cap One and make a similar arrangement. "not possible," the customer service rep told me, "Your gold account must be at least six months old." What an attitude! Why wouldn't this crazy company combine these two accounts? My quasi gold account only has a limit of $500 and the current balance is zero. The annual fee has already been paid, so they would still be ahead financially. Yes, CapitalOne is great at extending credit to those of us who have had problems. But the interest rates are outrageous and credit increases are extremely slow in forthcoming. My credit reports are looking better. There are no derogs for the past two years and I'm making pretty good progress rebuilding. When I can tell CapitalOne good bye, I'll be happy! For now, however, I have to stay with them because they are the issuer of my oldest card.