I got the interview through a referral (which is the only way because they don't advertise). It basically consisted of them asking me what I want to do and them doing all the talking. Not difficult at all...One thing I didn't too much care for was their butting into my personal financial situation (i.e. Bankruptcy) and asking why I was in that position; why someone had to file bankruptcy really isn't anyone's business in my opinion if you're not putting them in charge of having a credit card account.