Quote Originally Posted by Shooter45 View Post
I got mine done this morning and was impressed with how easy it was. Can't say I'm happy about the simple $3 application fee instead of the full amount but oh well.
I had the same surprisingly easy experience. I felt the same way about only paying for points up front, but the fact that you give a credit card number (wish they took AMEX!) and they immediately charge you if you drew might help to deter everyone in the world from putting in.