1. Classic -opened in 12/98 secured with $200 , $200 limit. $100 increase in 6/00(I had to call and ask). 2/01 $100 increase. I have a whoping $400 limit now. Is that how you spell whoping??? 2. Visa Gold-opened 10/22/00 unsecured with a $200 limit (I know you're all jealous of my high limit). 11/22/00 limit increased to $500 (I called and wanted to close). 2/01 interest rate was lowered from 19.8 to 15.9. They wouldn't give me an increase. The funny part is the rep said I have excellent payment history and this reduced interest rate will help when I carry a balance. Well, if she was looking at the history she would of known the one and only payment I've ever made was the yearly fee and the balance wasn't carried. BTW, they said you get reviewed every six months now not three like it used to be. They changed that late last year. It's embarassing when you have to call and they give you $100 increase. I cut the cards up back in Nov. and haven't used them since. I'm only keeping them until Citbank ages. $100 is insulting, I mean if the card was 3, 6, or even 9 months to a year old I would be happy but not after 2 years.