AND lowered my interest on both to 15.9 they were at 19.8. So it really does work. I figure I'll try again in a couple of months. Although, CCB has not responded not that I exspected them too. What is the best way to close this account?? I just wanted to say Thank You for all the great post and informative information I get off this site. I have also just joined Junum and am hoping for the best!! Thanks again!!