I found out tonight after being denied a lower apr that the "balance tranfer" in October was a cash advance and nothing had changed or cleared up. Moreover, this was the reason my internal score with the company was lower, and why I could not get a lower apr! I spoke tonight with a supervisor, who told me there was nothing she could do about the situation and the matter was closed. I don't want to take this crap from them! FCNB once reported a payment as a charge to my account and tied up my card for two days as an overlimit. FCNB also only posted a $125 payment as $15, and I had to fight like hell to get the late payment fee waived. And once FCNB reversed the high credit and high balance on TransUnion, which made it look like I was overlimit. Is there anything I can do, short of closing my account, which is 17 months old, perfect,and there to build my credit, to get this balance transfer as cash advance cleared up? These bastards have worked me over in the year and half that I have been with them!