I already have received credit cards from 2 credit unions that I have belonged to for 20 years. The credit cards are 13.9% each. This sure beats Capital One at 20.5% or Providian at 23.9%. Therefore I went looking on the internet for more credit unions to join here in Southern CA where I live. I located 2 and just E-mailed applications to join. I will establish a business relationship with them and obtain credit from them at the earliest opportunity. All that was required to join them is that I live in Orange county ( I do ) or have been a student here ( I was long ago ) or teach ( I do ). Now I have been educated one more time about credit. Why did I apply to Chevron or Juniper? They don't know me. My prediction is that I will soon have more credit at a prime rate when my new memberships are activated. It's just an idea but I think seeking out a credit union to join has merit.