I looked at the Charity Charge application yesterday and filled it out to see how it went (though I didn't actually submit it). One interesting thing I noted is that they ask you up front if you've declared a bankruptcy anytime in the past ten years. I can't think of many other issuers off the top of my head that've done that, at least not any I've applied to in the past couple of years since starting my rebuild. Since Commerce is supposed to be BK-friendly, I note that as a point of interest.
Also, I seem to remember reading a post here while looking for information on the card yesterday where someone got approved for Charity Charge with a TU of 620. Something else to keep in mind, though I've also read that Commerce seems to draw EX in most of the country (good for me since EX is my best score). You may also want to keep in mind that Commerce seems to be a touch inquiry-sensitive if you have a lot of inquiries on your report - one person who applied via phone reported that the Commerce customer service rep sounded startled, and rather worried, when she saw 31 inquiries on the applicant's report. (I think that was 31 INQ's on the report they pulled, not across all CRA's; if they were to pull EX for me, I'd be in good shape because I only have 4 inquiries on that report and at least half of them are a year old or more.)
, less chance for us more mortals
