I applied for the Shopnow.com card, because there medals look too plain (wouldn't mind the Platinum in a while, though) If you read the disclosures before applying, the card may be issued by Chase Manhattan Bank, or your app may be transferred to Merrick Bank. I'm assuming Merrick Bank is the resort for those applications Chase cannot approve? Maybe someone can comment on Merrick Bank (prime/subprime/what?) Anyway, mine was issued by Chase, so that makes me happy! My credit must be getting built. The interest rate is 3.99% til April 2001, thereafter 11.99% fixed. Not bad, huh?