Within the last two months, I've asked Citibank for limit increases on my Classic MasterCard and ClickCiti MasterCard. Today, they gave me an instant decline message based on "RECENT LOW PAYBAL" which sounds like they're worried that I make only minimum paymemnts most of the time. I got a better job recently and making my payments really isn't a problem, but I do have a lot of debt which interferes with obtaining new prime bank cards. I'm willing to pay 15 to 20 percent on a new bank card, although I'd prefer a low transfer rate so that I can get rid of my CapOne Visa or Providian MC in the process. Any suggestions about bank cards that are fairly easy to obtain?