I applied online just now for an Orchard card from the pre-approval they mailed me. Since I'm disputing with Experian I did what you guys said and waited until I got my return receipt back and since I knew experian had them I just said heck with it and applied!! I just had to laugh!! I NEVER expected it to say "Congratulations, you've been approved!" Ha!!! I have a $60.00 annual fee, a 25 day grace period and there wasn't a processing fee. I went back to their website, I thought since I'm disputing my hubbys Experian too I should try to get him a card, but it's an $80 annual fee and a $19.00 processing fee. I can't decide if I should (or even could) add him to my account later, or should I just go ahead and try to get him a card????? Please help!! We're recently out of bankruptcy, but want to buy a house in about 2-3 years and I know re-establishing is going to make the difference. I only want this one card. I don't care if my limit is $100!! I'm still shocked!! Thanks again!! This forum is fantastic!!