I am happy to say I was approved for ATT/Universal card 0% for 1 year, then go to rate of 7.99 fixed. Im getting ready to activate the card, but would like a higher limit. Cnetters, u have helped me in the past thanks, so here's another question for you: is there a specfic procedure i should follow in activating the card with a possibly of having the limit bumped a little more. I plan to pay off a balance in one year. Should i call retention before activating it?