THanks. i will wait until i get the balance down. also what was your scores when you got visa card. back in nov when my card was 3 mths old they only increase me 100 dollars saying that i need to get more history before getting a higher increase, i had a balance at the time of 100 dollars. i also ask for a visa because one of the csr was saying you only need a score of 630 so i ask for the visa and got denied. My eperian is now 671 should i ask again or wait a year before asking for the visa. Thanks for the information.