I have been lurking here for a while and appreciate all the info and help i've found here. Two things, I am looking for another sub prime CC(have 1 cap1 w 1800 limit with a $500 sec deposit on it, and a new cap1 "Gold" with a $200 limit, would like 1 more Visa or MC for Xmas which I will pay off after Jan. 1. My credit situation is this. I have about 13 chargeoffs from 1996, the cap1 card I've had since 5/99, the gold is just in the last month, no negs on these. I have 2 sub prime auto loans, one with Nicholas Finance since 10/97, no lates, no negs and Auto One acceptance since 7/99 no lates or neg. Both auto loans are jt w/the wife. I am looking at applying for the K-mart issued by cap1, the Aspire, DMB or Nextcard. Which one is easy to get? Also recently applied to Peoplefirst to try and get a new auto to replace my 94 Ford Aerostar financed with Nicholas, and was declined. Can anybody tell me What other sub prime aut lenders I could try with no $$ down to get a new minivan? Sorry this is so long but thanks for all your help.