Today, I finally got up the nerve to call the retention dept. for my Aria account. (I've had the acct for 8 months) I explained that I didn't "really" want to close my account, however, I think 23.99APR is a little hard to swallow. She offered to lower my APR to 19.1% and also gave me a $1000 increase. I would not have known this could be possible if not for the helpful souls on this site. Again, I thank you.