2 weeks ago i recieved the certificate of approval for the 15k credit card...i have been trying to get a card for a while now to re-establish my credit. i (stupidly) mailed in my $43 and am still waiting for my "gold card". i wish i would have found this site prior to wasting my $, but live and learn i guess. i plan on contacting the better business bureau. seems to me that there has to be a way to stop this company from scamming more people. cheers to this site for allowing people to tell their stories. cheers to first national credit for this lesson at the bargain price of only $43!