I applied for the FusionCard (smart-card) from Fleet. Turned me down because they managed to use my friggin' TU report (or maybe all three? and saw the 6.1 year old paid off repo. Funny thing is, I have a Fleet Platinum with a $10k limit ($400 charged on it) right now! Does anybody know which creditors use Experian or Equifax EXCLUSIVELY ?? I was really wanting to get a 'smart-card' (with the chip in it - I think Providian and FirstUSA offer them, but Providian is by invite only). Thanks!