bobsqu, I can tell you're a newbie, so let me explain a few things: We're CreditNet - an online organization dedicated to giving you information regarding your creditors or others that you want to do business with. We are NOT customer service for any of your cards. I say that directly because I don't want you to inadvertantly share your account numbers online in the promise of service from your card issuers. DO: let us know WHO you have accounts with and we will let you know how you can upgrade your cards, etc. based on other's experiences.