In my mailbox: Preselected offer from Capital One. It came in like a fake Fed Ex package with the senders and recipient's name hand written in. All I have to do is put my SSN, phone number and signature on it and mail it by November 9th to get the Gold Card. TERMS: APR: Fixed 0.0% through April 2002 with go to of 19.8% 25 day Grace Annual Fee: $39. Cash Advance fee: 3% or $5 whichever is less than the $5 Late Payment Fee: $29 Over Limit Fee: $29 Balance Transfer Fee: $0 Ok, I have been denied by them for the secured card and am afraid to apply for a non-secured product from them. Last time I had a buttload of inquiries on Experian and now I only have 1 (insurance) in the last 8 months. Are my odds pretty good for getting this card? I think my CE score is around 580.