Thanks for previous responses regarding Cobalt Card and checking account. This is a great and kind group on this board. I've learned so much! This board is like taking a mini-seminar on credit and financial affairs. Primarily, that financial responsibility is a priority for any adult, but also you need to be savvy on all the facts when dealing with banks and CRAs. Again, my heartfelt thanks and gratitude. May you all be continually blessed!