then offered me an upgraded "Classic" card. $300 limit (woohoo) $29.95 yearly fee. $89.95 setup fee (bleh). 21.9% interest. $None Security deposit. I guess their standards have lowered even more. I know i should have waited, but i've only got 3 cards, and theres not much more i can do with them. My capitalone card will not be un-securable for another 2 months, My gold is only 3 months old. Citibank will NOT give me an increase and my apr is already 11.4% with citi. So this will be my next project. To see if i can work nextcard. At least i'm starting out with a classic visa and not their secured product. Maybe they'll be willing to concess on APR or something. Didn't someone here say to call within 30 days and ask about something?