I have a $10,000 clean citibank card, and a nearly maxed out $1500 household bank card,and of course my old trusty $700 providian card that is the very first card i got. My credit is average( charge off for 500, 6 years ago) all other accounts are perfect. Two questions. Is there ever anything on the internet that is as legit as advertised(except for herbs offer). Second, does anyone know if lendingtree.com has stock? If so i recommend SHORTING their stock as this is just another X.com deal.