In July, I returned one of those "pre-selected" offers for Discover Platinum. They quickly turned me down, citing an Experian report as the reason/excuse. In September, I returned another such offer. My reasoning was that the first offer had a reply address in Wilmington DE, while the second would go to El Paso TX. I was hoping that a different state could mean a different CRA. (Experian sells a worse report about me than the other two agencies do.) In addition, Barry's list on CreditMania showed Discover using other CRA's. An address in Texas made this seem plausible in my case as well. No such luck. My second rejection letter came quickly as usual, and was identical to the first except for the date. "Identical" includes the use once again of a report from Experian. I think there are better cards than Discover, especially where interest rates are concerned. But it would have been much better than my subprime cards like Providian and Capital One. That's why I applied again. I don't believe I'll apply a third time, at least not for a year or two. The point of this story is that if you try again, you may get the same result you did the first time. It's better to use that inquiry to try something new.