I went through a couple rounds of disputes with the CRA's and cleaned up my reports and received some "pre-approved" CC offers in Jan 01. I held on to them for a few weeks while I lowered my debt to income ratio (Christmas 00) on the cards I have now and got brave last Thursday night and applied for the Citibank Platinum Select. (One of the offers I received in the mail.) They offered online approval so I thought it would less painful if I applied online rather then wait for snail mail. My mail offer was for 1.9% on balance transfers and 14.99% on purchases. Online I was approved for $2000 credit limit (yeah!!) when I did my balance transfer I received $1500 more in my credit line. I transferred $2300 to pay off my Providian leaving me with $1200 open credit. I received my transfer check on March 1st, sent off my check to Providian and received my card last night. I printed off my approval from online outlining my terms. My online approval was for an APR of 20.9% by when I received my card my terms were changed to 22.9%. I called Citibank and pointed out the error and before I even made a single payment I got the APR lowered to 15.49%. Unbelievable. She could not offer me the 14.99% or the 1.9% that I received in the mail because I applied online had I mailed in the offer I could have had the 1.9% but I was very happy with she gave me. The difference between 1.9% and 2.9% on a $2300 is only $25. I can live with that. I plan to call in a month to see if I can get it lower more. Donâ??t wait to call to get that APR lowered. Trust me what do you have to lose.