What is it? Do they have my credit information on the wall of a bathroom stall, or what? But, I keep getting these offers to apply for a credit card to be used "exclusively" as some make-shift department store. Why they choose to use the word "exclusive" I don't know, but I believe the words they were looking for is "only." This card is not available nowhere but here. This does not help your credit ratings. Only major credit cards help your credit ratings. And the least they could do is place their Term and... read full review »