This morning I called the application status line and found I was approved for the Amex Green card. Back when I had good credit, I had Amex Green, the blue Optima and a Corporate card. When I started having credit trouble back in 1994 I fell behind on my accounts, but I knew I'd want to have American Express accounts in the future, so I paid them every dime I owed within six months. Now I'm glad I did. So -- I wouldn't quite say that I'm prime yet. But the 12.49 rate I got on my Citi card sure is light years away from the 23.9% rate I had to pay for my first Providian card until I found this board. Thanks for all the help everyone!