I'm really happy, ever since I could remember, back when I was in my 20's seeing my bosses and supervisors pull out their Citibank cards always impressed me, if I'm not mistaken there the #1 bank in the world. Know the question is, I have my providian classic with 4K limit, at 16.9 apr. Should I keep it or transfer the balance over to Citi, they have 2.9apr for 9 months on transfers. Also, can I transfer over Sears balance to any of these cards? Well didn't get the Amex, but I'am happy with this. So Lady I think you're home free, let us know how your's turns out. Thanks again Roni!