In my favor, I had the fact that Associates is a bit freer with its gas cards than are Monogram (Exxon/Mobil) or Chevron. I was declined for Exxon in November or December 2000, and know for a fact that they pulled Experian, my worst report. When I got my first Texaco preapproval in 2/2000, they also pulled Experian, so CITGO may have done the same. Experian is dominant here in Arizona, almost a monopoly it seems sometimes. The terms on my CITGO card are NOT identical to those on my Texaco and Shell cards. The minimum payment is 5% rather than 3%. Also, the limits were higher. For purchases, the limit is $500 versus $300 for my Texaco and Shell cards. For cash advances, the separate limit is $250, versus $150 for the others. Hope this helps anyone who wants a gas card. However, none of the Associates gas cards seem to get reported, so this isn't a way to build your credit history. The credit itself is the primary advantage, since it takes some of the load off of your bank cards. A minor advantage would be the feedback. If you get approved online for CITGO, you know you aren't in the basement anymore.