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I know, we know this is not an ideal card but I had one and it served its purpose........now my brother in law is starting over and actually is doing well he has a Cap 1 platinum and QS1...........he did a Credit One pre approval request a few weeks ago and said they preapproved him.......I talked him out of it but today he comes over with a mail offer. It really doesn't look too bad for rebuilding..........offer for a $45 AF with 19% APR ( he always carries a small balance) and CL up to 1500. He thinks this means a CL of $1500 guarantee but despite me telling him there was no guarantee he still want's to try. Anybody else had this offer and what was your starting CL. I think mine started off @ 3-400 and ended up @ 1275 when I closed it. D-I-V-O-R-C-E makes you pay through the nose in many ways