hmmm... I called the 888 number and gave up after being on hold for a long time (it's weekend). I also called the First USA number
and asked about the 5/stays,3/otherwise. The
agent insisted there was no such thing and got a little huffy when I rephrased the question. Soooo...It's worth a try again next
week. Or I need to find 1 of the applications. Thanks!