I received the gold card in January. The terms were $3,000 limit, no annual fee, 25 day grace period, rewards etc. All acceptable except for that 23.99 apr. I tried and failed to reduce it when I was accepting the card. My Planet Feedback complaint generated a response in early April. The rep who wrote to me said the reduction would take place in 1 or 2 billing cycles. Yesterday, I received the bill in the mail with the new apr. That bill represents the 4th billing cycle since I got the card. From what I have read here on the board the upcoming 5th and 6th billing cycles should be an opportunity to get a further apr. reduction and/or limit increase. Any comments?