I've had an unsecured Visa account with FNANB since October 96. Never had any problems with them, but my limit stayed at $6K since it was opened. In April, I transferred my balance to MBNA for a lower APR. The next month, my limit was increased to $7K. My $25 annual fee comes due in October, but it's waived if I charge at least $2000 during the previous year (I'm OK for this year). My APR is still at 17.15%. Last Friday, I called to see if they could lower my rate, and the rep told me I already had the lowest rate they offer. I plan to close this account since I've got better deals with my newer cards, but it shouldn't hurt anything if there's no balance on it. Here's the question (finally!): If anyone else has this card, secured or not, what is your interest rate? Has anyone managed to get their APR lowered from a higher rate? Thanks for your responses.