What kind of a credit history do you have? Also, what are the terms on your new platinum card? If you remember, I followed in your footsteps and got the Nextcard Platinum card when I read about your experience. MBNA somewhat irritated me in January. I was receiving these preselected offers every week from them advertising a 1.9% teaser rate. I applied and got rejected. The smart-alec rejection letter mentioned that I had an appropriate amount of credit in MBNA's view. Ha Ha. Since January, I have opened $13,800 in new credit limits. BTW, I am a Chap 7 BK discharged in Feb '99.