I think I have Reed in your older posts that You have had an Optima Secured card that you had converted to a regular Card After talking to A rep in the Centerion bank . I've had that Card for 3 years And I'd love to just convert it to the Non secured Card, Talked to the Rep today he was real nice, I see why they are the best customer service But he told me that i had to reapply for a regular card and that my amex history would be counted in. The thing is I know if i Reaplly I will get denied because of to many lines open and recent inquires. How ever he said that If i Contacted Centerion bank that they might have a different set of rules .. So if you happen to have that number and the name of the supervisor you talk to could you post it . Thankx .. Sorry about the long post .