2nd call. I called First National Credit Card bank, actually this is also First Premier. I have carried this card since January. Results: 100.00 line increase (whoopie) 14.9% interest rate(great) and waived the annual fee(which isn't due until Jan 2001. Good deal as far as i'm concerned, but why such a differance? 3rd call. Bankfirst Action card, I've only had this one 2 months so I wasnt to suprised that she just closed the account after about 1 minute of hold time(probably a short conversation with supervisor) I also paid this in full by direct withdrawal from m6y checking account. I have 2 questions. 1. Why the differance with 2 branches of the same bank, especially when they offered a much better deal on a card I've had for less time? Both have been paid well. 2. Will it hurt to close the Bankfirst account after such a short period? I dont like the card, they charge 8.95 a month "membership fee".