I have searched this and other sites on this bank, but info is scarce. Anybody have any information on them? If I have this card will I be able to get another from this bank later? Also, I have 4 credit cards (2 Providian, 1 NextCard, 1 DMB) and a Sears card. I am keeping my ratios in the 30% range. Will it help my score to have another store card? Thanks for you advice.