She hoped this would make her seem more profitable to MBNA -- and therefore help her get a limit increase. But her limit request was denied because of an insufficiant number of credit references (i.e., not enough credit cards). So last month, she paid in full, including the $100 balance from the month before. So this month's payment shows the balance was paid in full on time, but it has a $2 finance charge. My wife called, the the customer service rep told her this is the way it always worked if you carry over a balance. (Because this was the first time it happened, the rep reversed the finance charge.) Is this the infamous two-cycle billing? While she was on the phone, my wife asked why she was turned down for a credit limit increase and if she needed more credit cards in order to get a higher credit line. The rep say yes -- and then offered to open a MBNA MasterCard for my wife over the phone. So MBNA won't give my wife an extra $100 on her Visa credit line, but it will give her another credit card. I wish I had been talking to the rep. I would have said, "No, thanks. I want my next bankcard to be from a company that doesn't charge me interest when I paid my bill in full. In fact, how do I close this card?"