Did you get an offer? We had a few even before our discharge. Hubby and I got ours within a month or two after discharge. They are pretty good though at giving post bk people a chance. I only got the $300 to start and now it's at 1k in about a year and a half. Hubby got one for $1500 right off the bat. I guess its just depends. I like them because the rate was reasonable, the annual fee was reasonable ($39 for us - we tried and tried to get it lowered or waived but they won't budge, they just tell you you can apply for another product blah blah blah) But I like being able to pay right online and I've never had any other problems with them in two years. Good luck. I know other people hate them, but I'm just glad they gave me a chance and are a tool right now for me to rebuild. Newstdt
