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Since their response to my initial problem with them was also "re-apply" (my huband's old driver's license number didn't match his new one . . .silly state of Minnesota with their new "security measures" and all . . .and yes, that is sarcasm . . . see prior post if you want the story) I'm a little concerned that's their responce to a lot of problems. If that's the case do they realize that 1) It's a real pain to re-apply 2) Customers have got to start wondering where all their "old" information went and whether or not it's secure. I'm sticking with ING, but really hoping they at least come close to catching up in APR.