Hello all... I recently had a rather large increase to my interest rates on my WaMu card. It's been at a modest 10.5% for, well, since I got it in '05, but they just jacked it. So I called Cap1, haven't had a balance on that card for year or more and they transfered the balance, 0% for 6 months, 9.49% after that. Not bad, I can deal with that. I also called WaMu though to see what the story was. They just raised it to raise it. I asked if there was anything we could do to bring it down. There were no offers, no negotiating, etc. I've never really had to deal with WaMu; they've actually been really really good to me but does this sound right. What are your thoughts on a card company not doing *anything* without an offer for a lower rate. Is it really that set in stone until by the grace of WaMu they give me a break?