I have spent numerous hours trying to reach someone in the United States with Advanta to discuss reducing my APR. I have tried numerous phone numbers on the internet and all take me to INDIA. They advise that since my credit card account was one of those closed, that I am not entitled for the reduction of APR under the new Credit Card Act. I began with a 7.99 APR that was never to be increased and suddenly it went out of sight. I was never late with a payment and always tried to make a payment of more than the required monthly payment.Now that I am looking for some consideration I can't reach anyone with the company in the United States. All I can say to anyone with an account with Advanta, is close your accounts with them ASAP and run like *** in the opposite direction from Advanta.