Things are going well here. Moved into a new place that's much better than the old place and we're getting geared up for Pride here this weekend in Boston. Well, the moronic boobs at FirstUSA are at it again. I got yet another bill stuffer change of terms notice from them. This is the fifth time they have tried to change my last credit card with them from the 9.9% fixed rate that it was first offered to me at. Originally it was a 'Titanium' card, but then they unilaterally changed it to a 'Platinum' Card. They did this to wiggle out from under the fact that their promotional material about the Titanium card said "Your interest rate will remain a fixed 9.9% as long as you make you payments on time and comply with the other provisions of your cardholder agreement." Guess they learned their lesson from the Chevy Chase debacle. Now they want to change the fixed rate of 9.9% to a variable rate of Prime + 5.49% with a floor of 12.99% and no ceiling. Well, they can forget it. I just got a Cap One Platinum with a rate of LIBOR + 2.12%, with a floor of 8.9%, no cash advance or balance transfer fees, and (get this) no telemarketing, and a Chase Platinum with 1.99% balance transfers for one whole year. The reason they cited for that change was: "This change in terms is due to our determination that current pricing is uneconomical in conjunction with the other terms and conditions of the account." In other words, they weren't screwing me enough to make up their losses from settling all of the class action lawsuits they came out on the short end of the stick on. Gee, I guess they haven't been paying attention to the fact that interest rates have been going DOWN the past several months. I will be gleefully cutting up this crummy card from them and returning it post haste along with a letter closing the account. I'm all done with these idiots.