I opened the account in March, and have used it quite a bit, making purchases and balance transfers, then have transferred balances of $1000 or so to other cards with lower rates. I transfer my Providian balance to NextCard, then to a teaser offer, and this shows as a lot of good activity on NextCard (and Providian). They also sent me a check last month, good for up to my credit limit at the Purchase rate, not the cash advance rate, with no fee for using the check. When I talked to them the other day, I asked about the interest rate being increased (as it was for George's wife) and they assured me my purchase rate had not been increased but I would receive a notice that my cash advance rate has. I don't do cash advances with them, anyway. I never got the famous 9.9% rate, nor a teaser. My account has always been a fixed 12.99% for purchases and BTs. I plan to call again in a couple of months and ask for a lower interest rate, no luck on that this time. So far, I don't have any gripes about NextCard, and would recommend it.