With the market downturn, we decided to tighten our belts, pay off our small credit card debt and put more away in savings.  So after a few months we paid off our Capital One credit card that I have had for over 20 years.  My rate had been 7.9% for many, many years.  Once I paid it off, Capital One jumped my rate to 14.9% (almost double).  Well that made me mad.  I called them concerning this abuse and they said in this market that was the going rate.  At that point, I cancelled the credit card and went with a Wachovia Visa.  Well, within 2 weeks, I received a credit card application offering...