I was a little skeptical about that post because i am someone that dedicates a lot of time reading about credit, trying to raise my score and i thought i had tried everything already, every number to raise my credit cards accs limits. Well, i have a WorldPoints BOA Visa 1k limit and 18.24% APR and i tried in the past 4 months to raise the limit twice and twice i was denied. So i though, what the heck, i am going to try this back door numbers in here, all of them. Done deal, about 15, 20 minutes later i got a 5000 dollars increase and a APR reduction of 1.25%. Man, i love this forum. I have been reading it for lil over an year but was not very confident to post anything before, but now i am. Thanks you guys, we have a great thing going on here!!! Now my credit limit is 6k and 16.99% APR, and i am LOVING it !