I appreciate the feedback. Neither one of us qualifies for a NFCU or similar Credit Union card, and since reading this, maybe we were 'lucky' to get $1250 as a limit. Now we have inquiries from Capone and Juniper on our report and I hate to even try to ask for one from our Bank or anywhere else. We were VERY indebted when we had our BK and must have created 'ill-feelings' from BofA, Citibank,Discover, Sears, AMEX, coupled with the BK and foreclosure. Loosing both jobs and getting $400 a week unemployment caused us to empty our accounts, no prospects in sight: BK etc. Kept the Mortgage going (lawyer said we were foolish, kept hoping for local job) New job was in PA, and had to let it go. CapOne offered us one card first, raised the limit, then offered the larger limit card we have managed everything responsibly, perhaps I should have let them have the interest instead of paying in full: going to do that from now on so they won't cancel the cards. Guess we did the Wrong Thing by freaking out and canceling the Juniper card prior to getting it. At this point, it would just be a backup card. Live and Learn, here I thought that having decent scores (all 695 to 720 for both of us) was the key to re-establishing credit worthiness. We will be buying a house next year, plan on paying with 10% and staying at a loan under $230,000, which is sooo far below what we could do.. now I have worries about that!.