The credit cards companies are just going crazy and you really have to be careful these days. Always read the fine print of the applications as well as the statements that you get each and every month. The credit card processing is not like it use to be but if you are careful and do your research. My brother in law has terrible credit and it is all because he did not want to declare bankruptsy. When he and my sister were looking to buy a house the agent actually said to them that had he declared bankruptsy last year rather than doing the right thing and just paying off his debt that he would have been so much better off…that is just not right!