I tell the retention lady the same thing. I she tells me that 23.99% is typical for someone trying to establish credit. I told her that my credit report had many mistakes when I got their card and it has been corrected and I have other cards with better rates etc. She asked what those rates were. I listed a few at 15.99% etc. She puts me on hold for a long time, comes back and says..."I dont know why it isnt letting me lower the rate. But that doesnt mean in a few months you can get a better rate". She then says, "You have a good record, I dont understand it".... I ask her again. She says no there is nothing I can do.. I said well then I am going to close the account then. She said "OK"................. I closed the account. WHAT THE FUNK?..... That goes against everything that I have ever heard on this board about providian and retention. Now I paid for increases and all those stupid programs that they have which I never used for THIS? Whatever! I am just really pissed off right now.