So after the NFCU approval yesterday I decided to app for United Mileage plus as that is the airline I use, after first year the AF is $95 but that will pay for itself in first checked bag for me & hubbie free....APPROVED!!!! Didn't say for how much but approved none the less.
It has been such a long haul when because of a failing business we used personal credit to keep afloat and finally had to do BK in 2001....now I will take great delight in canceling rebuilder cards with account fees....the only one I'll keep and sd is Merrick as they have been good to me..no AF, started with a $950.00 cl in 2002 and now have a $5000K one.
People there is hope... and you get GREAT advise from this board 
Congrats!
