Thanks for the replies! To haulingthescoreup ... ironically I just got a credit card application in the mail yesterday from WAMU (Washington Mutual). Now, it's not a pre-approval ... and I'm not going to apply until I've got my husband to take me off of the one AU that's at high utilization right now, and my scores update (also with my Orchard Bank reporting at $0), but once my scores are back up ... would this be a good card to apply for? Is it considered subprime?Also, I'm just curious ... WHY did I suddenly get this in the mail 3 days after my Ch. 13 discharge. Do these CC companies buy lists of people with new discharges (figuring they won't default because they can't refile for awhile)? I haven't gotten a credit card appl in the mail in years ...Also I've "opted out" on my CRAs, so I thought I wouldn't get these things anyways?Your thoughts? Thanks again!