However, he is a Jr, and all of his fathers's bad credit is showing on his report (we are trying to straighten that out). There are judgements/collections, etc that are his fathers. Part of the problem is his account with his mother - somehow the CRA thought she was his wife! Probably because of the joint cc account they have. He doesn't want to apply for the Citibank AAdvantage card because of the annual fee and the high APR (It's worse than his current card). What are his chances at the platinum select?