Two weeks ago, I decided to expand my open credit beyond: Ford auto loan $10,500 left out of 19,500. Macy's card $600 limit Robinsons-May card $1,000 Capital One Gold $3,000 limit / 20.5% apr abc credit union visa $2,000 limit / 13.9 apr xyz credit union visa $3,000 limit / 13.9 apr Yesterday, Providian gave me a $3,000 gold card at 23.9% apr, 25 day grace period and no annual fee. I took it because I was preaproved and many writers here on the board mentioned the apr is negotiable after 6 months. Now the bad news - I was rejected by both Juniper and Chevron. When I called back; each company rep. stated that the BK caused immediate denial. I had expected this from Juniper but what the heck one Equifax inquiry can't hurt me so I applied anyway. Chevron really surprised me. When I inquired about the "creditbuilder program", I was told that I am not eligible because of the BK. Next week, I am going to call Chevron back and ask to speak to a supervisor as there is always the chance the rep didn't have the authority to give me a creditbulider account. In my opinion, Juniper and Chevron are more difficult to obtain than is commonly believed here. If anyone has any advice for me, please let me know. I plan to expand my tradelines from 6 (last week), 7 (this week) to 10 (next month). I would be particularly interested in comments regarding Chevron. A $300 gas card should not have been big deal compared to some of the credit I have received after the BK. Thanks again to all of you guys who contribute to the board. I have learned a lot here.