Hang in there metoo...

There are those who post often bere on FT who think
everyone should be as proficient as they are in "knowing the ropes"...
so to speak. However, their experiences are most helpful.

Their use of acronyms and abbreviations shows that...
and they often forget that there are many. many more who read FT
and do try to understand, but never ask the good questions as you do...Good for you!

RE the applying for the Chase Continental card...
What have you to lose? Go for it!
If you get turned down, call and ask for reconsideration.
All they can do is say no...and you tried.
If you do get approved, you have an added 50,000 miles.

HOWEVER...If you are going to buy a car or house soon...
it may be best to avoid "credit report pulls"...as too many pulls they
could hurt your chances of real credit when you need it most.

Good luck!

tj