If you shop there a lot www.cardpool.com get gift cards at a nice discount, and spend your HP's on something that'll let you travel the world for free imo. I've gotten over 300k in sign up bonuses in the last 6months, I only need 65k to travel 11,000 miles round trip.
Yes it is. And it doesn't take a HP to get one.
I have barely got my card in my mail and i see the report on my Equifax and Experian already. I can post a picture if you like.
They report around 6-10th of every month.