I applied for an AT&T Universal card a couple months ago and was denied due to too many inquiries, which after ordering my report looks like it was related to my new mortgage.Anyway, I went back to try again and they've upgraded their application process. I was approved online and then offered the option to have a check cut and mailed to me. It took all of about five minutes to get $5000 mailed to me with 0% interest for 6 months and no BT fee. Now if only I can convince Discover to go back to 0% interest for me, I'll be making out almost as well as joelcorley. ;-)Oh, and as an aside, so far so good with Presidential. I finally got my direct deposit set up and linked it to my Schwab account. The transfers from Schwab show up within 1 day so now I just need to test the transfer the other direction.- Melissa
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