I just got word from a client who has not one trade line yet reporting that his AMEX FIDELITY GOLD CARD has been sent. Sent about 5 days after account was funded (that's service!). Amex told him that they have a special relationship with Fidelity and credit is not a factor in approval. They can monitor your U.S.A. account to verify balance, but above that they do go on past spending patterns, when approving charges! Dogman I know you will agree with me when I say WAY TO GO AMEX! I'm gonna get one myself! Also frankly I think this account with it's prestige as a high worth individual is 10 times better than the Secured Card, which carries a stigma of Deadbeat with it. With the Secured card there also is no reporting, but let's face it after 1 year with this card Amex is sure to approve you for a Blue card, with at least 5K in credit, what will you get with the secured card $250.00 in unsecured credit!