I have had this card since 11/98 they wont lower the apr or wave the annual fee.They have made a lot of money off me in 2 years.I cut up my card and told them i am going to pay the balance off in one year.The rep said do what you think is best,I told her if i did what i thought was best i should of never got this card in the first place.
If you had no bal. on the card you could have got the APR lowered by threatening to close the account.