"Gee, I just filed bankruptcy 4 months ago, I have no job or income and no assets. Which is the best credit card to apply for?" Or ... "Gee, I am so pissed. I got denied (for the eighth time in 3 weeks) for Blah-blah-blah credit card. I've only got three unpaid collections, four charge-offs and a car repo that I paid off last week. Ooh, but I have a Cap 1 card with a $250 limit. Woo-hoo. Why did I get denied?" What the heck are these people looking for, miracles?