2. Got my gold card monthly reduced to $24/year annual fee, instead of monthly fee, in which they had to increase my line by $100 to put the pro-rata fee on (smells like aria). He said the computer makes these offers every 2 cycles (4-6 months), and i should call back in 4 months and ask for more items. The account manager said the computers make these offers to them, and they just press yes or no on them. The most pleasant "Retention" person i've ever talked to! They stated the specialty account (Secured) must be unsecured to get a interest rate reduction to less than 19.8%, and must be un-secured before they can merge the lines together. otherwise i'd have both credit lines put into the security deposit account which i don't want since i want both lines on the gold card.