anyways. I was denied a spiegel. I think one of the credit bureaus said they would mail all the recent inquirers the updated reports. as a result, after getting a spiegel denial letter, now i got a card from them $400 limit. Whoopie. But i heard from others they are very generous at upping the limit, if i use it a little, and would be very good for my debt/balance ratio in the future. So these online disputes, have resulted in me actually getting a card. Word.