Thanks to everyone for their advice. I just called and had only one of my cards switched to the Citi Platinum select card. I kept my second citi card as a AAdvantage card for the miles (will be doing some travel soon). I was able to card switch to Platinum with a limit of 3500. So I did not see an immediate need to switch my other card. I was told my APR would drop by 1.9%. I am going to call when the card arrives to ask for an APR reduction on both of my cards. Mike G.