Have 4 cards since April....Getsmart,Provian Gold, FMCC,and Crooks country..Question is should does anyone know what the requirements such as Beacon score to qualify for the Orchard Classic Mastercard ??? Or should I just try for the Pay pal Visa by Providian since I am starting to develop some kinda history with them ? Trying to offset all of the negatives on my reports ....