Jay..

When you say...

1% over prime !? Does it not say somewhere, Prime Rate is for the Bank's best customer ? Try it, it worked for me. ( almost, close, LoL).

You have to remember or understand,that this was established in '77 as a commercial account..and prime +1% was the best I could negotiate..and at that time was poor as a shit house rat..having invested in a commercial refrigeration and Air conditioning dealership and a new house,so didn't have a lot of cash around to use as a lever...and as I stated,I am not interested in a better rate ,because that would open the door to loosing the whole thing on a renegotiation,which is only in the banks interest ..not mine..

I only used it for a short time last year when I bought my new Toyota..(My daughter was with me when I bought it and said...jeez dad...I have never seen anyone buy a new car with a credit card...!!)

I then waited the 30 days for my credit card statement and then paid it off so I wouldn't have to pay the blood suckers any interest..

But the last time I checked which was a few years ago,the best over draft rate was 21 1/2% and $2500.00 limit..

I'll check what it is and get back on that..