Thanks for the replies to my initial question. After dealing with a Bank One exec on this, they said that (emoneymail.com) they send out the approval to the credit card company then they score it after it comes back. Apparently they didn't like my score because I had a "name change" on my Visa account (adding a spouse recently) in the last six months. So I'm switching to Ecount...thank you for that info.... More miles, here I come!