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I was approved for a Credit One card. Just came out of a Ch 7 about a little over a yaar ago. I received the card in the mail and did not activate it. I saw that there was an annual fee, which I do not remember seeing when I signed up for the card. So, I called and talked to CS. they cannot waive the fee. I told them , no annual fee or I do not want the card. CS still could not waive the fee. I ask for surevisor. I tell supervisor that I do not the card if there is going to be an annual fee attached. He said, no problem we will waive the fee. Two days later, I activated the card. It's got a decent rate of 18.9% and the SL is $500.00. I am ok with that as I also have a Cap 1 with a $2,200 limit on it.