Unfortunately having good scores doesnt always translate into better apr rates. Just look at Chase lol. I wouldnt worry too much, just give a couple months and your Navy card can be at 25k. I understand USAA can also grow big. As UncleB alluded, keep paying down your balance and keep calling in to see if there are any offers. As sad as it seems, we truely are only $ signs to the banks, and even someone who spends hundreds of thousands can be expendable if you dont meet their needs or requirement. There will always be another who spends as much or more. Good luck