Back in my original post about First USA, I mentioned where I kept getting preapprovals every week from Cap One--"Gold Card" this, that, and your mother. So I finally mailed one in. Got this hunky dorey Gold Card with a (*cough*) TWO HUNDRED DOLLAR LIMIT--with last ever late pay 1995, two Cap Ones for 24 -30 months in the late 90's, etc. and so on. Anyway, the new account I closed the day I received the card is on all the CA's as open (going on 3 months) with zeros (balance, limit, payment--whatever). Thru planetfeedback, I give them two options: DELETE the account, AND the inquiry it took to open it, or REOPEN it with a $1500 limit--I really didn't care which. So this Miller fella calls me at work; "I received your planet feedback, blaseh blaseh blaseh". After much ado about nothing, he asked what I wanted to do: I said EITHER, pick one. "Well, we can't remove an inquiry from your bureaus--its our policy to do one when we take an app..." (at which point I'm thinking: why oh why did I fall for that thing in the mail?). End of story--I told him that marketing a "Gold Card" with a $200 limit was misleading, and bordered on fraud. And if they're not going to LOOK at credit bureaus, they don't need to pull them when someone applies, and furthermore, the 6 times they've nosed up in my credit report in the last year, coupled with the solicitations I receive every week, should be ample scoring for their precious "Gold Card". Result: Account deleted, inquiry will stay, at which point I reminded Mr. Miller that if he wanted to waste resources to have a dispute show up from all the CA's on my behalf for the removal of the inquiry, then so be it. I've got the resources to waste everybody's time. I also informed him that sub-prime is as sub-prime does, and I should have known better. Have a nice day. Click.