I have a BK on my record from 1995. Both Citi and Universal were included in it. Now I have received offers from them (over 5 years have lapsed) for platinum mastercards. My question to the resident experts is, is it worth applying or not? I have maintained an immaculate record since 95 and have 3 open credit lines (plus 2 dept store lines). Any suggestions? I also have an offer from Providian for a Gold Card of upto 3000 limit? Thanks. BA.