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Honestly I am gardening just because I have little else to do. There are no other cards I really want besides blisspay and I am undecided about an amex. What I like wiht amex is the ulitzation doesnt get calculated (charge card not looking at credit) and they have excellent rewards and services. Plus with no fees for a year that would be sweet. They also have an extended payment option shuld I actually need it, which would be nice too. I am not planning to need anything with super high fico anytime in the next at least 6 months but probably longer. No house plans are in the works for a minimum of a year or more, and unless my car needs replaced no car loans planned.. because I hate car loans. The issue I have is the annoyance I have with my bank may not end up being an isolated issue but I guess I can wait to see.