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But its an instant $1500 TL without costing an inquiry. Get something cheap every few months and it helps the utilization numbers.

Just got the Sterling Silver cross I ordered for my DW. It's actually a nice piece of jewelry and to only have to spend $50 for the TL every 6 months or so is a bargain.

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you don't need to be concerned with it - never spend that much there anyhow.

Buy something small and pay it off the next month or something. That's all.

The down payment is so if you do F-up, they have some $$ now. They don't check credit first, so they have to have some way of protecting themselves.

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Yes it's very confusing.

My first purchase was about $55. including shipping. My down payment was $9 and the shipping $11 (for earrings!!!!! what a ripoff). They charged the $20. to my VISA (given as downpayment) and the rest to my CJ account.

QUESTION here -- do they send bills/account statements?

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