I was only asking if my acct was flagged, nothing more. A little history with me, Ive had my acct open since 1996, 1000.00 credit line. I had a bankruptcy two years ago, but I had a zero bal on my Target card at the timev so it wasnt included. They kept my acct open. My score is 609 Equifax. I hope my acct is upgraded to the visa, but from her tone, it looked like she was seeing my previous bankruptcy, so with her tone, I doubt I'll be getting it!