I am soliciting feedback. I applied for a chase mastercard online. I received the dreaded message your application will take time to process. I thought for sure they pulled Experian. So I logged on to credit expert the next day. No inquiry, I figured they might have pulled Equifax or Trans Union. If they did I might finally leave subprimeville. I waited an additional day, and called just to see what was going on. The rep told me it looks like my application is in the approval process. He couldn't tell me any of the particulars but told me to call back in a few days and he could give me additional information. Is it possible that 2 L O N G years of fighting the bureaus and collection agencies is paying off? Could it be possible? If so, Household Bank, Orchard, and Providian will be paid off via balance transfer @ 2.99%. I am so psyched!!!!! It just goes to show in December of 1999 Equifax beacon 472, no one would touch me with a 10 foot pole, today 702. All collection accounts, and accounts with late pays are gone or changed to perfect status. Trans Union is about the same. Come on guys I could use some positive energy and encouragement here! Any and all would be helpful. Does anyone have the chase card and can provide a little feedback? thanks everyone for your support.