I began to reapply for some cards... Here is what I got with a 730 EFX and NO DEROGS, no lates, no paid collections etc... Credit History of 12 years, 2 bank loans for less than $1500 and only 1 credit card on file, no auto loans, and a 3 unpaid student loans. (up to date though) Providian - even though I had a card with them with a CL of $4,500 for 2 years, I closed it, and then opened a new one. Unfortunately they didn't care and I only got a $1,000 limit GM Card - $1,000 Limit Corvette Card - $3,000 Limit ??????? Union Card - denied The 3 above were with Household, I wonder why there is no standard? How could I be denied for one and not the other?? Amex Blue - denied Home Depot - approved for $1,000 Citibank - denied Anyway, hope this helps someone....I think I'll lay off the inquiries for now!