Providian Gold. This account is five years old. Refused to budge off of 19.8 despite good payment record. Maybe it's too good because I pay it off every month. Still wanted the APR reduction in case I ever did carry a balance. But, Providian did increase the credit line by $1500 to $10.5K. MBNA line of credit. This account is three months old. Refused to lower the APR from 17.9 even though they sent me an offer at 11.9 which I didn't respond to because I already had the account. Told me to wait three more billing cycles before requesting APR reduction. Doubled the credit line to $10,000 which was good since it reduces credit utilization on all accounts to less than 25%. Citibank Plat. Select. This account is six months old Lowered the APR from 15.4 to 11.9. AT&T Universal. This account is four months old. Refused to lower the 14.49 APR. I'll wait two more months and try again.