Crap One is changing my 8.9 fix to 7.65 + Prime I called an they said they aren't singling any one person. say it across the board. All the talk you hear about negotiating a lower rate with your company doesn't apply Crap One. They flat out ask you if you want to close your account, they'd rather make no money on you rather than less. I explained to her I already have rewards card I PIF, the only other card I need is one with decent rate I wouldn't mind carrying a balance for a few month ( 6 months or less) This comes shortly after I pay off the card . obviously they didn't want to spook me, and have the balance transfer somewhere else. the card is 4 years old, 2K CL no AF so I'm keeping it