After explaining to the man that I had 2 repos and credit cards in collections as well as a bunch of medical bills and other things from years ago, he said if it wasn't in the last 2 years then and there wasn't a bank ruptcy then it would be fine and he said we would qualify. I told him I didn't believe him and he assured me that they do this all the time and that they did the same for others just the other day with bad credit so I did it. After filling out their pack and sending it back I thought they would work with us to get something done. Instead they just gave us the 800 number to apply for a credit card that we already knew about. We thought this was ridiculous and called them back and they assured us that they would not give us the name of a bank that would not accept us. So against my better judgment we applied. Two weeks later the rejection came in the mail. I feel like I've been suckered.