To get the card, I have to balance transfer $3,000 or more from another card(s). No problem as the Nextcard website is so sophisticated that they brought up my existing card balances and I gave permission to balance transfer electronically. One thing that is unclear is whether I have to pay a one time $50 fee for the balance transfer. If I do - fine. I want this high limit card. I looked in the terms & conditions and simply could not find whether a fee is applicable here. After I completed my on-line application, I received an E-mail telling me that I had been provisionally approved and that a rep MAY contact me to confirm any details. This E-mail also explained how to monitor my application. Today, I checked on my application on the Nextcard website and it said "Approved. You will receive your new card in 10 - 14 days. By the way, I have substantially rebuilt my credit since my Chap 7 BK was discharged in Feb. 1999 but this is incredible. Next year I will try and get Nextcard retention to drop my apr. to 13.9 or lower to match my other credit cards. For the record, I started out the year officially on the "credit wagon", but with the help of the board I have received a lot of credit since Jan 1st: Jan - Providian $3K gold Feb - Nordstrom $2k dept. Mar - Cap One credit increase $300 Apr - Target $500 Apr - Nextcard $6500 I think Nextcard pulled TU ( my best report) and EX (my 2nd best report). I don't know what my FICO score is on these reports. My worst report is Equifax (FICO 633). Thanks again Eddie!