I know this is technically May now, but all my bureaus are now reporting 686. And that's pretty high for me, if not the highest credit score I've ever had. I think the lowest I ever had was like 430. I've worked hard and paid some collections off (and were thus removed from my reports), and have increased limits and added a line of credit, so I'm doing okay. Had a few expenses because mom passed away last month, and am now paying down my student loan, so all in all, I feel like I'm in a good place. I am thankful for this community and for myFico. While I now qualify for a lot of the better credit cards, I'm going to do the responsible thing and wait a good while before taking out any more credit. I hear the US Bank Altitude card is very good. What is your preferred card?