Hello, I am a newbie here. I have learned much and appreciated all the posts on this board. Gary and others have so graciously offered your expertise and knowledge. Thank you all. I had a perfect credit score 4 years ago. Then the financial crisis hit the commercial mortgage loans which I had personally guaranteed. To make the story short, I had to declare BK. So now my credit score has sunk to 683 for the last 3 years. I have talked with credit card issuing banks and they were not interested in the fact that my BK had absolutely nothing to do with personal debt or irresponsible spending. In their view, a BK is a BK is a BK. Before that, I had lost 400K miles with Aloha Airlines when it went out of business. Now the only travel reward card I have been able to obtain is US Bank for TACA airlines, which I have been using and accumulating points. I have also been able to get credit cards with smaller limits and diligently earn United Airlines (UA) points through their shopping portal. Aside from those, I am pretty much shut out of the miles/points credit card offers out there. I am going to look into the Blue Bird account to earn extra miles. Recently I earned 25K UA miles by opening an new account with Fidelity and was thrilled with such a windfall in a long while. The last time I enjoyed award travel was when I got lucky enough to get hold of a sweet angel at the Continental International desk who gave me a Business Class ticket to Nairobi, Kenya for the same points as a coach ticket, at the high-demand season of Christmas 2010. At that time, the worst snow storm in the preceding 50 years paralyzed Europe. Tens of thousands of flights were grounded across the continent. Unlike most of the award flights that connected in Heathrow or Frankfurt, my flight made it to Zurich just fine and I made it to the top of Mt. Kilimanjaro as part of my post-BK psyche rebuilding. When I got home, I sent to the Continental angel my profuse gratitude, certificates for chocolate candies and a picture of my summit. She replied saying she loved the chocolate and kept my picture on her desk. I treasure this memory much more so than my luxurious treat on Swiss Air that she got me on. So now I have been back, rebuilding everything including my credit score and my miles. If you have ideas for me to accumulate credit card miles, it will be much appreciated.