i have been with sov. bank since 2000 and you have never been able to help me with a loan or credit card even with a co-signer. i think i will change banks and go to a credit union instead. sov. bank is suppose to be there for the customer but you are never there for me. i pay my bills on time and my credit is fair. i filed for bankruptcy years ago and it has been discharged in 2002, thats the only reason why you won't approve me for a 300-500 dollar credit card. you need to start thinking about your customers or you will loss them.