mastercard. I received an excellent pre-approval offer today. 0% APR and 0% for transfers for a year. It gave an address to apply online and you had to input your pre-approval numbers ect. I doubt I will get it, Equifax (680) and Transunion (702)perfect, experian (594) ouch!....a few issues. I would really like this card......transfer all of my balances from my other credit cards. I was rejected for citi and mbna (both pulled experian for me) I disputed the inquiries and had them removed. I can't seem to get a prime credit card. All the creditors seem to pull Experian for me. I checked out the board that specifies what bureau a company pulls from, every time I tried (even when it states a company pulls from Equifax or Trans Union in PA)......companies seem to pull from Experian. I don't get it. After applying I realized that Universal Bank is part of Citibank, so I can expect a rejection in a few weeks. :-( I am so frustrated!