I got an interesting 'pre-approved' credit card offer in the mail yesterday from Capital One: Platinum MasterCard: Credit Limit: Up to $20K Interest Rate: Variable, 8.9% floor, or LIBOR +2.12%, whichever is greater. Grace Period: 25 Days Annual Fee: NONE, Ever Finance charge computation: Average daily balance, including new purchases. Late Fee: $29.00 Balance Transfer Fees: NONE, Ever Cash Advance Fees: NONE, Ever Overlimit Fee: NONE, Ever And most interesting: NO TELEMARKETING Gee, you think that Capital One is finally 'getting it'? I'm going to send it in, see how much of a line they give me and dump some of my MBNA cards, and the 9.9% FirstUSA that I have left. My first FICO reason code is "number of accounts", so dumping a couple of cards should bump it up some more.