2. They wouldnt budge on APR or grace period. 23.99% with no grace, is HIGHWAY robbery. I will not fall victim to such abuse. 3. The limit was lame $250. waste of my time. 4. I was recently approved for capitalone Gold card after having Cap 1 secured for 9 months. I have 2.5 years till all my poor credit drops off my reports (all 3). I have over $5000 from citibank and cap 1. That is more than enough to get me in serious trouble for the next 2.5 years. I'm quitting getting any more credit at this time. I realize if i ever get near $5k IN revolving debt, i will need to be severely slapped upside my head. If anyone catches me applying for anything on here, please remind me i'm stupid and don't need any more credit. sorry to rant. I feel better now.