I was making the rounds of my financial statements today and out of sheer curiosity, requested a credit increase on my USAA card.

Well.

They raised the limit from $1500 to $20,000.

WOW.

When I realized that was more than I owed on all of my other cards put together, I called up USAA and requested a lowered APR as well.

They dropped it 4%, which means it is now the lowest of all of my cards.

So I transferred my Discover ($6600) and my REI Visa ($4200) over to the USAA, and now have only ONE card I have to worry about paying - with a lower interest rate than ever before!

*cheers*