Hello There, I just got of the phone with both US Bank and GM Card and got good feedbacks from both.. first of all the US Bank Platinum Card got an offer for 8.9% promo for six mons on purchases... and either a 0% until jan of 04 for bt's or a 7.9% for life... the second is GM Card got them to lower the apr to 13.74% from 15.49% for purchases and a 9.74% for life on bt's... so is a good feedback day today.... Thx, Kev