I logged onto the HCS website and discovered that they have 4 types of cards available. GM card Household card Union card >and< ORCHARD When you mentioned "platinum" the other day, I guess that we can crudely consider the GM card as platinum compared to these other cards (especially ORCHARD). A couple of months ago, I got one of those $1500 and $89 annual fee offers from Orchard. I threw it away because of their rotten reputation and I don't pay annual fees on any of my credit cards. If HCS sends me an Orchard card after processing my GM app.; the card is going right in the trash. Anyway, I will keep you posted.