But I have something nice to say about a subject we usually ignore: Chase Manhattan Bank. Out of nowhere, they offered me a Platinum MasterCard at 9.9%, a variable rate linked to prime but not a teaser. With my credit, I only got $1000 on a Classic MasterCard, but my rate was still 9.9%. Of course, it's gone up to 10.4% because the prime rate went up twice, but I still can't believe what a deal it is. But there's more. I transferred a 21% balance to this card, to take advantage of the lower rate. And you know what they did? They gave me a grace period on the transferred balance. My entire first payment of $40 went to repay principal--not a penny in interest yet. I can't believe how decent these people are. One major social problem we cardholders face is that there are fewer banks like this around. Your ordinary megabank, looking for a profit without trying to loot your account, is almost extinct. First Chicago, Chemical Bank, First Interstate, and others have disappeared due to mergers in the name of efficiency. And their place has been taken by the rats and cockroaches of the credit slums. Thanks again to Chase. I wish there were more banks like this around.