Dgordon, are you sure it avoids the credit check? It's true you can switch and get the bonus--I did it from HHonors to DL last year when they offered a particularly good bonus. But I seem to recall it showing up on my credit report when I checked it a while back. I did not ask for a credit line increase when I did it. So, if it's important to someone not to have a credit check show up, then double check this info.