I am extremely in hearing an insider's perspective on what will happen to cards like the MBNA Charles Schwab once BoA gets to consolidating offerings. I know for sure that the Charles Schwab charges 1% at this time, and have a strong hunch that the AAA/Merrill does the same for now. I am not so sure about Wachovia, Fidelity, and Suntrust. Most remaining MBNA cards have been bumped up to 3%.