I was talking to some friends at work the next day and we were debating on what to buy...new office chairs, horde up on office supplies etc. But then sanity returned as it often does and I called Discover to see if they would just "switch it to my name since I already have" their application in hand? LMAO Well the rep took my application over the phone and flagged the card--I'm sending over to their local operations center at lunch. It turns out the person named on the card actually lived here about 4 years ago when he owned this house!!!!