Can anyone tell em about this? Would I be signing my soul over to the devil? What are the pros/cons here? I have a good credit history since 2001, one missed (late) payment this month actually, and took out a home loan last August yet was rejected for a 500.00 credit app at Brook Mays about a month after the home loan. I'm looking for a 3K line of credit at a reasonable rate. Anything else I should know?