got citibank plat,aria, and cap 1 card. now i get a pre-approved up to $500 classic orchard bank card offer. $39 app fee. $99 yearly membership fee. Pretty stiff. Do they still suck? Im trying to weigh the benefits of $99 for 1 years worth of good trade line? Any opinions? They have online ACH payment? Thats a must. The question i have, will a fourth credit card line improve my score any? After getting the citibank, i have absolutely no reason to continue using the cap 1 and aria, except for pure credit rebuilding trade-lines. I did notice Household Bank holds the title on that card. Would it be wise to get the card in hopes it might sway the opinion of a household automotive loan in the future if necessary? Any tips.. muchly appreciated.. g'nite.