With a little smooth talk to a local bank lender in my small town, I got a Visa with $1500.00 initial limit, 13.9 % APR, no annual or monthly fees, and $15.00 for OTL and late charges. Increases should come easy upon prompt payments as I only asked for the $1500.00 limit. Now, I need to pay off an old DMB card that I cancelled but owe a balance on and cancel at least one of my two Capital One cards. Check with your local banks, it might be worth it. You can actually talk to a real person and dispute credit accounts instead of a computer pulling your credit score. Good Luck! Mike
