A little background....My story is much like the typical 'Got myself in over my head in debt in College' story.. Anyway, I had a Bank of America credit account with a 500c/l. The account went past due when I couldn't pay, and eventually got up to about an 800 balance. (300 over the line. They closed my account, but reaged it for me). After graduating, I payed the balance down to about 475... I got a letter about 8 months ago saying that Citibank was purchasing my credit account from B of A... The next month, I got my Citibank statement. It showed the same 500 limit (0 available), and same 18% interest rate. I payed about $50/month for the first 3 months, and got a letter from Citibank saying they were lowering my APR to 11.9% due to my positive payment performance with them!!! After 8 months, I am paid down to about $200. I plan on paying the remainder of the balance in full this month, and would like to see if I can get my credit privledges restored on this card. Any suggestions on the best way to do this? If I request this, will they do a hard inquiry? Do they have access to my past performance with B of A, or will they use my performance on this account to judge? I'd like to use this account to maintain a good history because it's the lowest APR card I currently have. Thanks for your help!