I brought this up to inspire comments from the board over what I believe will be continued belt tightening by subprime lenders such as Providian. We are already seeing that with retention not allowed to give CL increases. In addition, FCNB now charges 27 percent APR on their "Fresh Start" bankruptcy cards. The old rate, just months ago, was 20.5 percent. I'm paying off my balances every month and steer clear of all of this economic crapstorm. Maybe doing that will help me squeeze out an CL increase or two.