I applied for a card with them for one of my best clients on Sept. 5th over the internet. Came back decission pending further review. Called them 8 times to check status, and spoke 4 times to a live person and was allways told that the application was being worked on ("it takes up to 4 weeks")! Now my client gets a letter in the mail saying it's declined, dated Sept 5th, listing one of the reasons as "Insufficient Number of Accounts rated Satisfactory" and a ambiguous "Total Available Credit" So now get this, the man makes $85K, with a $30K available credit portfolio, has perfect R-1 credit, and these bunch of so and so's deny him because he's delinquent on a bunch of accounts, and either has too much or too little credit! Just so you know his report was pulled on 9-10-00 on worthnothing, and showed all R-1's and both First USA and worthnothing use Transunion, First USA pulled it's on 09-05-00. Also these idiots listed "number of inquiries in the last ONE YEAR"! BEWARE of customer service at this outfit! A very harsh letter is going out to them today! MY ADVISE DON'T APPLY WITH THEM THEY DON'T RESPECT PEOPLE WHEN THEY TREAT THEM LIKE THIS. By the Way same client just got a $5K U.S. Bank Plat. Visa!