My Cap One APR was increased to 23.15%. I am getting my payments together for the month for all of my bills and I also include the APR, how much it is and how much I was assessed because I dont PIF. So, as I am getting the info I see my APR is lower with the following remarks:
Good News: Because of your on-time payment history, some or all of your Annual Percentage Rates (APRs) have been returned to your Non-Introductory Rate.
My APR was reduced to 12.90%. Unfortunately, my credit limit is still $500. If only my good payment history would get me an unsolicited CLI 
Starting Score: EQ: 633 (12/31/09) TU: 651 (12/31/09)
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