I don't know the criteria to go prime because retention doesn't know or wouldn't say, but they did say that my account would qualify, because I have paid off my account every month in full - except two - and my internal behavior score was very high. So anyone who is in good standing would most likely qualify for the upgrades. BTW, I was advised NOT to take the lower apr retention offered to me last week, which was 15.9 - but take the $500 increase and wait a few months. This was not, in my opinion, the bank trying to make more money off of me, because I do pay the balance off almost every month. Rather, I was told that I would be an excellent candidate for what retention could offer to me in the way of upgrades, including retroactive fee waivers, an apr under 10 percent, and higher limits. Just thought the board would like to know If you do know, pardon the intrusion.