I'm stuck between subprime and prime. Even though my scores are pretty high (680-715) I am only getting subprime offers because the CH13 hasn't dropped yet. Here's my latest one: Aspire Visa guaranteed $3250 CL 24.99%apr!!! What a joke! Get real! Believe it or not, I got turned down by them 2 years ago when my scores were at the 600 range. I also got one from FANB? upto $5k with 16%apr. And yet another C1 offer. I called a couple weeks ago to get an increase on my gold C1, but they said I had to wait 3 more months because I recently combined 2 accounts. So a week later, I got an offer for a "classic rock n' roll" platinum mc upto $7500cl 14.9%apr. I already have 2 C1 cards, so all those offers went through the shredder. I can't wait till that darn ch13 falls off so I can finally get some prime offers!!
