First question I have is What is the difference between Discover Card and visa card? Thanks for any response. 2nd question I got is.. I just got an offer for what I think is creditsteps. I'm coming up on six months since my latest bank card and I'm wondering if I should take this..

The offer says that I will receive a CLI in three months if I use the card within 90 days, pay on time, and don't go over the limit. It says nothing about increases after that. The AF is $3, there's a grace period, and 0% interest for a year..

I have a C1 chargeoff from 2005 which was sold; no CA is showing on my reports for the old C1 debt..

Currently, I have BofA (opened 5/08 with a $3K limit); HSBC (opened 12/08 with a $500 limit); and Barclays Virgin America (opened 7/09 with a $3,500 limit). I also have a student loan with a 24 year history (rehabbed a very very very old SL). All of the above are positive. I also have a paid car loan showing one or two 30 day lates (depending on which CR you ask), the latest late being in 2005 (it shows in the negative column, but I think it's helping my scores since the latest late is more than four years ago.) I also have one other Discover credit card CO from the same time as the Cap1, pluse a few collections on the reports, all being at least 4-1/2 years old, plus a tax lien that is my next biggie to deal with!!!!.

My FICOs are EQ 655 and TU 681. Who knows that EX is, but I'd say it's pretty close to EQ..

I'm torn on whether to get this card. Before I got this, my plan was to try to add Macys, Kay/Jared, and possibly Targt and Bloomies later this year, as well as a new bank card this summer (Hopefully the Chase Marriott card). I definitely want to dump the HSBC by next December to get rid of their God-awful AF, and possibly replace that with the BestBuy card if they'll give me a higher limit..

What is the highest starting limit they generally give out for this card?.

Does the credit steps program give infinite CLI's, or do they cap it at a certain number or amount before pushing you off to another card?.

Thanks everyone. Any advice would be appreciated...