I had just gotten my bed bath and beyond credit card and i called to get account assure and the representative who answered was a lady didn't get her name and she told me just to go online on my account and scroll down and apply there and I said ok and then I got the disclosure and signed it and sent back and then all of a sudden I'm declined for it because I did it online I mean that's what I was told so I don't work there and don't know what's supposed to be done and I'm getting punished and not getting my Giftcard I really need someone to help because this isn't right what I was told.