A friend of mine just opened a Wells Fargo checking PMA (Porfolio managment account). He has NO credit history, but as part of the account got a platinum visa card (only $5000 limit though). It also has a free rewards program. Only catch is you need to have $25,000 in your combined accounts (checking, savings, stocks, etc.). This is a pretty sweet deal if u have the $$$ (free everything, including interest checking, checks, bill pay etc.) Anyone have any experience with this type of account?