Just attempted to give C.O. the benefit of the doubt - asked for a CL increase after 3 years/ 1 30 late/ $3000/ default APR 29.24! Also asked about how one goes about reverting back to low rate after acceptable pay history. Sorry for the decline at this time.........Sending a letter to me in the mail. Did not want to do this since I am hoping to have our scores in a place to get CCCU or Delta within next 30 - 60 days. Trying to hold on so I can BT some of these awful cards.