Rick, In refrence to your question about G & L Internet Bank visa and mastercard. I have asked a few people I know who, have the card and the only negative was customer service not being 24 hours. You might want to consider the Rainbow Visa Card from Citibank USA. It has a 0% intro for 6 months and a 5.9% intro transfer on balances. You can apply at www.rainbowcard.com