[freddiekz]

Dear Mr. Credit Card,

Hi, I wanted to say I enjoy your site after stumbling across it. I had a question that I wanted to ask you in regard to credit; In December of 2006 I had a Chapter 7 BK discharged and am now 2 years out from my BK. I have done an excellent job rebuilding my credit. I have never missed a payment from 12/06 and took out an auto loan and 3 credit cards (Imagine, Rewards 660, now Metabank, and Continental Finance). My score is right under 700 which 2 years out I thnk is pretty good.

Anyway my direct question is that I want to get a credit card that does will not charge me the usual $250 up front and $10.00 a month to have the card like the ones I have now. Do you think it is too soon to apply for a better ccard and if not then which card(s) would you suggest that I apply for?

Thanks

Freddiekz