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    <title>topic Capital One - Good News (i guess) in Credit Cards</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606679#M194971</link>
    <description>&lt;P&gt;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:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;FONT face="Arial" size="1"&gt;&lt;FONT face="Arial" size="2"&gt;&lt;P align="left"&gt;&lt;STRONG&gt;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.&lt;/STRONG&gt;&lt;/P&gt;&lt;P align="left"&gt;&amp;nbsp;&lt;/P&gt;&lt;P align="left"&gt;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 &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;/FONT&gt;&lt;/FONT&gt;</description>
    <pubDate>Sat, 05 Dec 2009 04:57:25 GMT</pubDate>
    <dc:creator>Anonymous</dc:creator>
    <dc:date>2009-12-05T04:57:25Z</dc:date>
    <item>
      <title>Capital One - Good News (i guess)</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606679#M194971</link>
      <description>&lt;P&gt;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:&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;FONT face="Arial" size="1"&gt;&lt;FONT face="Arial" size="2"&gt;&lt;P align="left"&gt;&lt;STRONG&gt;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.&lt;/STRONG&gt;&lt;/P&gt;&lt;P align="left"&gt;&amp;nbsp;&lt;/P&gt;&lt;P align="left"&gt;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 &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;/FONT&gt;&lt;/FONT&gt;</description>
      <pubDate>Sat, 05 Dec 2009 04:57:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606679#M194971</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2009-12-05T04:57:25Z</dc:date>
    </item>
    <item>
      <title>Re: Capital One - Good News (i guess)</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606683#M194974</link>
      <description>&lt;P&gt;&lt;FONT face="Arial" size="1"&gt;&lt;FONT face="Arial" size="2"&gt;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 &lt;IMG alt=":smileyhappy:" border="0" title="Smiley Happy" src="http://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" /&gt;&lt;/FONT&gt;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif" size="4"&gt;Well every bit helps. You seem to be an exception to many of the recent APR increases.&amp;nbsp; &lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif" size="4"&gt;&amp;nbsp;&lt;/FONT&gt;&lt;/P&gt;&lt;P&gt;&lt;FONT face="comic sans ms,sans-serif" size="4"&gt;&lt;SPAN&gt;Congratulations. &lt;/SPAN&gt;&lt;/FONT&gt;&lt;/P&gt;</description>
      <pubDate>Sat, 05 Dec 2009 05:46:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606683#M194974</guid>
      <dc:creator>MarineVietVet</dc:creator>
      <dc:date>2009-12-05T05:46:30Z</dc:date>
    </item>
    <item>
      <title>Re: Capital One - Good News (i guess)</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606818#M195019</link>
      <description>very cool!&amp;nbsp; congrats.</description>
      <pubDate>Sat, 05 Dec 2009 19:08:22 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Good-News-i-guess/m-p/606818#M195019</guid>
      <dc:creator>laz98</dc:creator>
      <dc:date>2009-12-05T19:08:22Z</dc:date>
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