just a data point here --- my credit is very good with very low utilization just got a notice that rate on purchases for Diamond Preferred going to 20.99 they added a teaser that if I do an uncapped 3% BT of $3k+, I can have 9.99% on the BT and purchases for a year (yeh, right)
I called CSR regarding converting the card to something else --- he said to wait until last week in December --- because my request couldn't be processed right now
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