Credit card application, and what Ive learned
If you make your payments on time and historically carry little balance, it is likely the bank will restore your old terms. You do not stand a good chance if your account is not in good standing or you carry a large balance regularly. It is always best to pay off your balances in full each month. If you currently carry debt on credit cards, however, read and understand the terms and rates for those cards. Pay attention to any new notices you receive regarding those credit cards.