Around the end of Jan, I got a USAA Visa. The rate advertised was "as low as 9.9%". I wound up with 12.9%. Not impressive. Last month, I got an offer from USAA for a 10.9% rate Master Card. "Pre-approved". I called them and asked, "What's the deal with the lower rate now? I know the Prime did not drop that far." They said it was their new deal they had but could not lower my rate to match it. Federal law and such. They also cannot transfer the balance from one USAA account to another. So, I call them today and sign up for the Master Card at 10.9% and close the Visa account. I'll use one of the checks they send to write myself a check for cash, deposit it into checking and pay the Visa (12.9%) bill with that money. This becomes the Master Card balance at 0% until Sept. 2013. So is anything I write any of the checks for until the end of April. Now the old balance is at 0% interest and I have a card at 10.9% (2 points lower). What a stupid way to do something that could be done with a couple of keystrokes from a USAA enployee but, it's done.