I have mortgage with them since June 2005, was foreclosed 2011 after disharge in bankruptcy Chapter 7, website shows mtg in good standing go figure. I went to the Web page to see if there was old tax info and got a pop up that wantede to app for the cash wise visa, I was like yeah right and wth so I did it, shocked 3k approved limit 0% 1st yr, according to the mailer tu score was 624, they sp my locked ex also, that score was about 640. I could not believe it, card came quick and use it often, waiting for my 200 bonus hopefully this statement. Congrats on approval. I want to ask for cli but because of old mortgage, I'll just say thanx for what I got and see if it grows. Also because of the old mortgage, I will not charge allot and watch for them to shut me down, hope that don't happen, but ya never know.