Welcome to our forum.
But Nada, they are going to charge me $120.00 year just to have that card sitting in my desk!And I am betting that is why they started that because they know that people don't want to damage their credit ratings by closing accounts. Seriously, if you can join a credit union, that is your best bet. I called for an equity line to pay off all my debt and the current variable rate is 2.5%...I am making more than that in CD's..right now, so that is really a bargain.