Long version: My guess, it was late April when I applied online for a Cap One unsecured card. I called the next day to check the status of my app and was told I was declined (no big suprise). They offered me the secured card, $199 deposit for $200 card. I tried to weazle a better offer out of them, but no luck. So I asked them to send me my approval. On May 4th I wrote a polite but concerned letter via PFB asking if there was anything they could do to improve this offer, ie. unsecured (fat chance I thought, but always worth a try). Mr. M called me and after two conversations and 3 days, he offered me an UNSECURED card! Terms: Visa $300 Credit Line (more to come) 19.8% interest Made my day! This was made possible by reading all the great posts of the people on this board. Thank you all! Also, I wrote a comendation letter to Mr. M via PFB.