DON'T use this site. I used it to apply for a few credit cards last year, and immediately afterward my once very private email address was either sold and/or left unsecured by them, and I now get endless SPAM (most of it financial-related spam of course.) They either sold my email address, or are very lacking in site security. Considering they want SS# on applications, that is very unacceptable and dangerous. Oh, and when I've emailed them about this issue, they NEVER reply/respond. read full review »