I called and spoke with a 'customer satisfaction rep' and was told that because my credit file was only 3 1/2 years old, that that was the LOWEST rate that they would give me, but that in 6 months they would lower it... I paid off a $3200.00 loan in 6 months..actually I now have a credit coming from them...and now they're saying that the account has to be a YEAR old before they will consider a lower rate...even though it's PAID OFF!!! After 3 1/2 years of not a single late or missed payment, 3 Visa's,1 Mastercard , 3 UNSECURED LOANS from my bank, 4 revolving department store cards, a fully complied with 3 year auto lease, and a new lease for a $33,000. car....and they STILL want to be like VINNIE and GUIDO in little Italy and charge LOAN SHARK RATES!!!! NO incentive to ever use them again...EVER!!!!