There are banks being closed on Friday evening by forces from the F.D.I.C.. I saw this on 60 minutes on March 8, 2009. I am not certain how this makes me feel about the bank my money is deposited in. I went from a 1% introductory rate on a credit card and now am at around 12 or 13%. There was a way of lowering the rate. My card is matched to my checking account, so they are offering me two separate rates, one being based on the prime rate. I believe the prime rate is going down, am I wrong?