got "notify" in 7-10 days, upon receipt of a notice it states: Thank you, blah, blah, unfortunately, we can not open an account for you at this time.<<@ what time???>> The reason is that our records indicate that your previous card account was cancelled because payments were not made in accordance with it's terms. <<10 yr + old BK>> An important notice concerning your rights is included. <Federal disclosures> on reverse. New Accounts Dept. No mention of them pulling a credit check. So much for AMERICAN DISTRESS. NO LOSS, last month I received over 32k in new credit lines from Prime Visa, MC issuers.