As the result of the E-mail, I spoke to someone in the consumer advocate's office. My apr.was reduced to 13.9% variable rate. No negotiation was required. I was informed that Cap One would do a review of my credit limit and let me know within a couple of days if I am to be awarded an increase as it has been 6 months since my account was upgraded to gold and my limit increased from 1K to 3K. As I have not heard anything, I presume the answer is NO!! I am satisfied with the new apr. and really could not care less about the credit limit. My Chap 7 BK was filed in Nov. '98 the same month I was given the original Cap One classic card ($99 deposit, $29 annual fee, 20+% apr.). When I wrote the E-mail, I expected the opposite to happen. I thought Cap one would not budge on the apr. as they had reduced it to 17.9% in Jan 2001 from 19.8%. I also thought they would give me a credit limit increase as the last increase was 6 months ago. It would be amusing if sometime soon I open the mail and find that Cap One wants to sell me a limit increase. P.S. When I upgraded to gold and 3K, I was supposed to pay $99. I talked them out of it in September. The upgrade was free.