Well, I pondered the thought over the weekend about applying for a new credit card. With all the talk about Amex and their F/R Account holds... and with me in the midst of a Home remodel... I would rather not take a chance of the lovely A** raping if my Amex account was to be held up on a potential FR. Anyway ... I decided to apply for a Hooters card... Applied over this past Saturday... I received the standard.. your approved based on review of some information... we will need up to 2 weeks ,, blah, blah, blah... I called them today and found out I was approved for a 5200.00 limit 14% IR and no annual fee. Funny thing, I get approved for this one and get this great news,,, then I get an update on my Credit score from Equifax that my score also went up 16 points !!! From 662 to 678 ... I'm loving it !!!