Recently I applied, with a cosigner, to ope a LOC with BoA. We were approved for 15k. not even 2 weeks later both of my Cap One cards had positive changes. I went from $300 CL to $500 on one, and from 29.99% to 8.9% on the other, originally my contract stated this was a variable interest card, but now they tell me that it is at 8.9% fixed. I borrowed against the line of credit, which is at 8.9% btw, and paid off all of my other CC's. I think it scared Cap One because I have, until recently, always been at 80-90% util... HA HA HA chalk one up for the little guy!