First off, Why doesn't Costco take Visa or Discover Card? Thanks for any answer or 2. Another question I got... So, I've decided that I'm tired of being treated like a red-headed step-child by Chase since the acquired my checking and Discover credit card accounts with WAMU. I've been looking around at tome options where I could move my checking and also get into a decent Discover card as well, since the terms on my WaMu-turned-Chase card kind of suck, and they won't even consider a CLI (does Chase even.

Have.

A luv button?).

In narrowing down my options, I'm leaning heavily toward Alliant CU. The lack of a branch locally really doesn't bother me since I transact most of my business online anyway, and I've read that they allow scan-at-home deposits which would totally rock (or I could use a COOP CU branch local to me)..

My only hesitation is that if/when I move, I really would like to have all of the banking products I want available to me - checking, CC's, and eventually I'd like to refi my auto loan away from Chase as well..

This brings me back to Alliant. It takes an EQ hard to open the account. I know I can probably bump it off in a few months, but that might delay moving away from Chase for that much longer which I don't want. The upside, though, is that I may get offered one of their pre-approved products when I open the account, in which case it would totally be worth it to me. So, for those with some experience, I'd like to see what you think the chances are of getting an Alliant pre-approval with these credit details -.

EQ 697 (FICO).

3 INQ's in the last year.

1 new acct in the last year (auto loan, $41k).

Largest revolving TL is $11,800, open since '99.

7 Discover credit card TL's + 2 AU, credit limits from ranging $600 - $5800, + the one @ $11,800 above.

Oldest account is 11 years, AAoA is 6 years.

Had a couple of 30-day lates back in early 2006.

My only negative really is that my util is around 45%. It's only between 2 cards, a $4500 balance on the $11,800 limit Capital One card mentioned above, and a $5100 balance on a $5800 limit Sears/Citi Gold MC. I had been working on paying (with Discover card) off the Sears Gold MC, but got tired of Citi balance chasing me, especially considering that most of that balance is at a very low promo rate..

So, any guesses? Will Alliant give me a pre-approved offer? Or are they sensitive enough about util that I would be excluded?..