Today, the rep told me I was approved for a 6K limit with 2.99 BT. Ladies and Gentleman I can't tell you what this means to me. I have all the sub-prime cards with high interest, horrible customer service, and high fees for everything. This is my first PRIME CARD!!!! I cannot express my happiness in receiving this card! I am still in a state of shock!!! I think I am dreaming. I know many others of you have broken out of sub-prime hell. Today, 10/15/2001, I broke out of sub prime hell!!!!! Further I would like to thank each and every one of you for your help and support. I can honestly say, when I post a problem here I get lots of feedback and help. It goes to show, 2 years ago, all of my credit reports were full of collections, charge off's, ect. Today, Eq, and TU are perfect, Exp still needs work. If your starting out, there is hope hang in there. Your day will come. I never thought I would see the day when I obtained a Prime Credit card. Even though I am happy now, I need help regarding the BT. I want to pay some of the sub primers off. I cannot get rid of Household bank and FCNB because they are my oldest tradelines 4 years old. I have another household, orchard, FNCC, and Providian I am going to do balance transfer and pay them off. If Providian doesn't decrease my interest rate, they will be paid off and closed. I want to take advantage of the BT offer. I don't want to use the card for new purchases just balance transfers. Does this sound like a good idea? I figure I can transfer everything and pay it off within a month or two. Does anyone know how to upgrade to gold ect with chase? Are they stingy with credit increases? What is their customer service like? Once again folks, I would not be in prime land today if it wasn't for all of your help and support, and for that thank you very much!!!!!!!!!!!!!