I have an MBNA master card with low APR for BTs. I use that card only for BTs since I know that if I use that card for any purchase and when I pay the bill, they will apply it to the BTed money and the purchase money will accrue interest until I pay the BT fully. Recently, when I asked for credit line increase, they denied and told me the account is too new (6 months old). I am just wondering, is there any effect of BTIng on denying the request? _________________ Ganesh