Just a comment I am watching CNN and they just announced that through a study there are more credit cards offered through the mail this year than any previous year. the average family gets 50/yr! Not only that, CC companies are giving away more and more credit (higher limits) than they were last year. Bring it on!! I was a little worried because I threw away some offers last week while I wait for my FICO to go up, but not to worry, I'll probably get some more next week.