Thanks to the advice I've gotten from this board in the past year I've been trying to fix my credit, and what do you know, yesterday I received my first offer for a prime card, It's an American Express GOLD, with no credit limit although it has a $75 yearly membership fee, anyways, I still have the following in my reports... 2 30 day lates from Discover. 1 30 day late from First USA These are all negatives from 1998. My question is... Do you think I have a chance of qualifying for this card? Or should I not take a chance and risk an inquiry? Thanks for your input! Alan.