I just wanted to say how happy I was that even though I went for a regular Cash Rewards card from BOA, I was given a counter offer for a secured card. I didn't even think I would get that. I had a regular BOA cc back in 2006 and included it in BK in 2010. Time sure does fly. I figure in another year or two I will have decent scores. I feel like I am almost seeing a light at the end of the tunnel. Yay me!!