I have had a Washington Mutual Visa card since 2004 and most of the times I don't have any problems. They recently increased my credit limit and also my interest rate. I had to contact them to have it lowered or if they would I was going to transfer my balance elsewhere. They were able to negotiate with me and lowered to below 10%, which is much better than 24%. Sometimes you just have to make a call to get things to happen.