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Hi Froolgal,

Glad to help a fellow foolguy/foolgal. :-) Check out the Next Card offered by Heritage Bank of Commerce in San Jose, CA. Web site is as follows:

http://www.cardtrak.com/ click on "low rate" card then click on NextCard.

This site also show you many other cards at low interest rate. First USA's 4.9% is hard to beat; however, it is not impossible to beat. If your credit is clean, your rate may be as low as 2.9% with the NextCard!! Of course, First USA only wanted proof that someone would offer you a lower rate. Well, here it is!!

Good luck,

Flatbroke

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