Okay, took the plunge for prime land. Called the 800 number for MBNA CS rep took the info and passed on my info to a credit specialist. Specialist said no go as with all bk applicants must have a positive cc tradeline for 7 years post bk. MBNA pulled two inquiries (TU and TRW). So sub-prime land I will stay for another 25 months. At least Providian offered $3000 cl increase for $49.00 Best regards, Sam